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Used Kia Stonic on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

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
All976£14,714424,0332,001
Aberdeen City5£17,238211,67622
Aberdeenshire3£12,829532,5218
Angus4£11,245638,64210
Ards4£13,530433,8013
Ballymena3£10,797564,177-
Bedfordshire8£13,759434,21619
Belfast6£14,207424,93813
Berkshire11£14,899422,95618
Blaenau Gwent5£15,439315,5858
Brent - Greater London1£7,2996106,0001
Bristol3£15,450412,27411
Bromley - Greater London1£14,9954-12
Buckinghamshire4£13,560433,35230
Cambridgeshire26£14,086426,17527
Cardiff5£16,312315,20612
Carmarthenshire14£14,683424,80723
Carrickfergus2£12,323435,633-
Ceredigion9£16,817219,67712
Cheshire21£14,247422,46953
City of Edinburgh18£15,594317,08428
City of London - Greater London28£14,920428,12537
Clackmannanshire1£17,29828,1942
Coleraine6£14,127419,1622
Conwy3£16,662523,7781
Cornwall1£15,495312,98714
County Durham13£14,806425,15929
Craigavon2£12,397525,5951
Croydon - Greater London5£14,177429,38312
Cumbria9£14,001421,23417
Denbighshire1£12,995426,8001
Derbyshire17£14,750321,88136
Devon24£14,517425,70346
Dorset13£16,507319,49814
Dumfries and Galloway1£13,495635,1152
Dundee City3£16,249311,5678
Dungannon1£11,999622,3511
East Ayrshire1£9,999653,0043
East Lothian1£14,000421,5071
East Riding of Yorkshire6£12,848431,0936
East Sussex16£14,234421,69528
Enfield - Greater London5£15,575322,92510
Essex16£15,044420,05444
Falkirk2£12,799531,289-
Fermanagh1£12,995547,8201
Fife24£18,093423,23140
Glasgow City13£15,017420,90722
Gloucestershire4£12,107545,64316
Greater Manchester52£14,636421,61683
Hampshire20£15,798316,93365
Havering - Greater London7£15,585316,47811
Herefordshire5£18,51527,58513
Hertfordshire28£14,646427,30455
Highland7£14,054427,80218
Hounslow - Greater London1£16,50015,4446
Inverclyde2£16,79817,1317
Isle of Wight7£14,970424,0773
Kent33£15,017424,94268
Lancashire27£15,051417,93350
Leicestershire16£15,350319,74123
Limavady1£16,99511,0001
Lincolnshire23£13,204425,37389
Lisburn3£15,078431,0351
Merseyside21£14,380422,41041
Merthyr Tydfil1£14,995412,4391
Monmouthshire2£17,995314,1128
Moray1£13,698325,1675
Newport5£13,889427,93713
Newry and Mourne4£12,746525,3766
Newtownabbey3£14,166219,1079
Norfolk16£17,431315,11427
North Ayrshire1£10,995649,000-
North Lanarkshire10£15,818318,10124
North Yorkshire18£15,255423,54634
Northamptonshire12£13,164437,00818
Northumberland8£14,909322,3988
Nottinghamshire18£13,992425,79345
Omagh1£14,390329,198-
Oxfordshire3£15,830313,37515
Pembrokeshire2£18,445414,9398
Perth and Kinross4£14,976420,75312
Powys2£15,087320,9111
Renfrewshire9£15,298316,60022
Rhondda Cynon Taf1£16,000428,8556
Shropshire4£14,366314,35515
Somerset10£15,346421,14932
South Ayrshire7£15,741312,98110
South Lanarkshire3£13,831427,8447
South Yorkshire15£13,845425,65137
Staffordshire21£14,662430,68254
Stirling4£17,774323,4669
Strabane1£16,995313,5001
Suffolk12£15,707316,82313
Surrey8£15,154420,51124
Swansea6£15,280417,92215
Tyne and Wear16£13,893428,99834
Warwickshire13£15,449420,10917
West Dunbartonshire1£11,998624,7047
West Lothian3£16,165420,0475
West Midlands45£14,729424,56076
West Sussex9£15,786413,82511
West Yorkshire29£15,152319,84776
Wiltshire15£16,371318,53236
Worcestershire9£15,619321,15321
Wrexham1£14,295339,4001
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