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Used Kia Stonic on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Getting a Kia Stonic on finance

  1. Research the Vehicle:

    • The Kia Stonic is a compact SUV, combining style, versatility, and a suite of modern features.
    • Familiarise yourself with the various trim levels and specifications. Look for elements that matter to you, such as infotainment options, safety features, and engine variants.
    • If you're considering a used model, pay attention to the year and any subsequent model updates or changes.
  2. Searching for a Used Model:

    • If you're in the market for a used Kia Stonic on finance, start with Kia's approved-used dealerships. These vehicles often come with extended warranties and have undergone manufacturer-standard checks.
    • Also, explore online platforms, local dealerships, and car supermarkets for availability and pricing.
  3. Finance Options:

    • Personal Contract Purchase (PCP): Start with an upfront deposit, followed by monthly instalments. At the end of the term, you can choose to pay a balloon payment to own the car, hand it back, or begin a new agreement.
    • Hire Purchase (HP): After a deposit, you repay the car's value through monthly instalments. Once all payments are made, the car is yours.
    • Leasing: Rent the Kia Stonic for a set period and then return it once the contract ends.
    • Personal Loan: Obtain a loan from a bank or lender to buy the car outright, then repay the loan in monthly instalments.
  4. Acquire and Compare Quotes:

    • Get finance quotes from Kia dealerships and independent finance institutions. Some providers may offer competitive rates for a used Kia Stonic on finance.
    • When comparing offers, consider the APR (Annual Percentage Rate) as a true reflection of the cost of borrowing.
  5. Your Credit Score:

    • Your credit score can influence the terms of your finance and the interest rate offered.
    • Before applying, check your credit standing with UK agencies like Experian, Equifax, or TransUnion. Correct any inaccuracies promptly.
  6. Budgeting:

    • Decide on a comfortable monthly payment based on your financial capabilities.
    • Remember, a larger deposit typically means lower monthly repayments.
  7. Review the Agreement:

    • If considering a PCP or lease deal, be aware of any mileage limitations.
    • Understand any fees or penalties related to early contract termination or surpassing the agreed mileage.
  8. Negotiate the Deal:

    • With the information you've gathered, try negotiating both the vehicle's price and the terms of finance. This might provide some leeway, even when seeking a used Kia Stonic on finance.
    • Remember to focus on the total cost over the term, not just the monthly payments.
  9. Complete the Purchase:

    • After settling on terms, complete the required paperwork.
    • Before signing, ensure you fully understand all terms and conditions.
    • Always keep a copy of the agreement and any related documentation.
  10. Insurance:

  • Before taking ownership of the Stonic, ensure you have adequate car insurance.
  • It's always beneficial to shop around for the best deal.
  1. End-of-Agreement Choices:
  • If on PCP: At the end, decide if you'll make the balloon payment, return the car, or initiate a new agreement.
  • With HP: After completing all payments, the car is yours.
  • For leases, be prepared to return the car in a condition that aligns with the agreement's stipulations.
  1. Other Costs to Consider:
  • Always budget for potential additional costs like road tax, maintenance, and fuel.

When looking to finance a vehicle, it's essential to ensure the chosen terms align with your financial situation and anticipated future changes. If ever uncertain, seek guidance from financial experts or trusted professionals.

About the Kia Stonic

The compact crossover segment is a fierce battleground, with a multitude of options vying for the urban driver's attention. Into this competitive mix, Kia introduced its contender – the Kia Stonic, aiming to capture the imagination of those seeking a blend of style, functionality, and value.

From Korea to the UK Streets: Unveiled in 2017, the Kia Stonic is a compact SUV that exudes youthful energy. With a name derived from combining 'Speedy' and 'Tonic', this car has been designed to appeal to a dynamic audience seeking agility and freshness in their rides. As it made its journey from Korea to the roads of the UK, it was clear that the Stonic aimed to cater to the unique tastes of the British market.

Design Meets Functionality: One of the standout aspects of the Stonic is its bold design. The car’s sporty silhouette is complemented by a range of vibrant two-tone colour options, giving owners a chance to personalise their vehicle to reflect their personality. But the Stonic isn’t just about looks. With ample boot space, advanced driver assistance systems, and a spacious interior, it ensures practicality isn't sacrificed.

Facing the Competition: In the UK, the Stonic competes with the likes of the Nissan Juke, Renault Captur, and SEAT Arona. However, Kia’s offering stands out with its balance of design aesthetics, features, and the brand's renowned 7-year warranty.

Final Thoughts: The Kia Stonic represents the brand's ambitious endeavour to capture a significant slice of the urban crossover pie. With its design-forward approach, balanced with practicality and complemented by finance-friendly options, it's poised as a compelling choice for the British driver.

Kia Stonic Data by County

Kia Stonic data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,335£14,205429,9782,089
Aberdeen City3£13,331435,7248
Aberdeenshire2£16,688312,2813
Angus6£14,278432,20816
Antrim7£15,178323,63413
Ards4£18,141221,9513
Barnet - Greater London1£13,545335,013-
Bedfordshire16£12,746440,58332
Belfast5£16,902212,1205
Berkshire13£15,891326,74937
Blaenau Gwent2£17,84914,9713
Bristol9£11,275547,65214
Bromley - Greater London5£22,33324,5724
Buckinghamshire13£14,334434,78732
Cambridgeshire51£14,121430,62762
Carmarthenshire3£14,160527,6152
Ceredigion2-876,500-
Cheshire33£13,485427,86659
City of Edinburgh15£14,984320,84719
City of London - Greater London5£16,895313,16514
Clackmannanshire1£18,498310,917-
Coleraine2£10,993641,6105
Conwy1£17,995318,3621
Cornwall8£15,624320,8519
County Durham30£13,109532,34735
Craigavon2£17,240216,3263
Croydon - Greater London7£14,804422,76814
Cumbria9£14,956322,4764
Derbyshire33£12,791531,63758
Derry3£18,328210,7293
Devon41£14,677427,96769
Dorset11£16,341322,01616
Dundee City7£12,483537,09118
East Ayrshire5£14,579427,242-
East Riding of Yorkshire3£9,764555,6731
East Sussex17£15,742322,06630
Enfield - Greater London6£14,895427,8279
Essex30£15,863316,04052
Falkirk9£13,849431,5092
Fife14£15,355318,26632
Flintshire1£6,2908105,278-
Glasgow City35£15,257323,20938
Gloucestershire8£13,253434,81910
Greater Manchester77£14,079423,821126
Gwynedd1£11,995429,000-
Hampshire25£13,858425,85364
Harrow - Greater London1£11,795322,4331
Havering - Greater London7£14,391420,27220
Herefordshire7£17,238215,3927
Hertfordshire44£14,904324,52062
Highland7£14,111528,4806
Inverclyde2£14,348529,628-
Isle of Wight4£13,097632,9662
Kent42£14,179428,71066
Lancashire59£13,856427,46081
Larne1£10,990467,2001
Leicestershire36£15,670324,69440
Lincolnshire30£13,442428,53258
Lisburn5£12,255541,2383
Magherafelt3£12,617543,000-
Merseyside10£15,007433,55214
Moray2£13,747520,1341
Neath Port Talbot3£9,995663,5481
Newport1£8,295858,841-
Newry and Mourne3£17,575460,0424
Newtownabbey5£17,387221,0104
Norfolk29£14,645322,31639
North Ayrshire2£13,745419,5022
North Down3£16,262216,0904
North Lanarkshire5£14,465424,83211
North Yorkshire22£14,282426,62258
Northamptonshire8£11,909543,25619
Northumberland8£14,936323,5009
Nottinghamshire32£15,457321,28840
Oxfordshire10£16,209221,50826
Pembrokeshire1£16,495212,613-
Perth and Kinross9£13,784425,3099
Renfrewshire6£13,581535,36217
Rhondda Cynon Taf5£13,327438,21714
Scottish Borders3£8,495863,342-
Shropshire15£16,547219,76013
Somerset18£14,969423,83332
South Ayrshire7£12,668536,8538
South Yorkshire40£15,393321,21457
Staffordshire21£15,619322,16037
Stirling7£16,511313,55215
Suffolk16£14,861330,90521
Surrey21£16,806323,20245
Swansea1£7,995853,000-
Tyne and Wear16£13,562431,42531
Warwickshire1£9,500743,4943
West Dunbartonshire1£8,498867,5671
West Lothian11£14,787423,99612
West Midlands78£14,638423,545101
West Sussex12£17,308317,43416
West Yorkshire48£14,854325,67586
Wiltshire15£15,803423,97443
Worcestershire10£14,501431,54724
Wrexham1£15,995334,702-
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