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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
All1,355£14,234430,2282,053
Aberdeen City4£13,497433,81312
Aberdeenshire1£18,99519,5853
Angus5£15,195327,55717
Antrim8£14,984323,01411
Ards3£19,090217,0383
Barnet - Greater London1£13,545335,013-
Bedfordshire18£12,775440,69634
Belfast5£16,960212,1205
Berkshire15£15,178326,82738
Blaenau Gwent1£18,49917,7394
Bristol8£10,867651,30114
Bromley - Greater London7£20,094312,1952
Buckinghamshire14£13,682434,89129
Cambridgeshire51£14,313432,77959
Carmarthenshire3£14,827527,6152
Ceredigion1-797,0001
Cheshire34£13,436429,01363
City of Edinburgh12£15,231322,27117
City of London - Greater London7£16,65629,44011
Coleraine3£11,327635,2564
Conwy1£17,995318,3621
Cornwall7£15,841322,4009
County Durham32£13,238431,04538
Craigavon2£17,290216,3263
Croydon - Greater London7£15,411415,30813
Cumbria10£15,412320,8822
Derbyshire34£13,376428,35059
Derry2£15,995415,7683
Devon43£14,751427,65562
Dorset8£14,824428,09117
Dundee City9£12,842534,22517
East Ayrshire5£14,635427,242-
East Riding of Yorkshire3£10,465649,4371
East Sussex20£15,836320,30026
Enfield - Greater London4£13,681536,0236
Essex31£16,004416,16252
Falkirk9£13,893431,5093
Fife13£16,040214,23034
Flintshire1£5,7908105,278-
Glasgow City33£15,459321,27433
Gloucestershire7£13,905430,57611
Greater Manchester79£14,332423,471124
Gwynedd1£11,995429,000-
Hampshire28£13,175430,68565
Harrow - Greater London1£11,795322,4331
Havering - Greater London10£14,937321,47520
Herefordshire8£17,308213,8846
Hertfordshire41£14,866323,97367
Highland8£13,597530,9548
Inverclyde2£14,598529,628-
Isle of Wight1£14,699334,8412
Kent47£14,136428,88062
Lancashire64£13,681427,47580
Larne1£10,990467,2001
Leicestershire40£14,965328,28439
Lincolnshire36£12,895431,32453
Lisburn5£12,355436,7322
Magherafelt1£8,950863,000-
Merseyside13£14,854433,58110
Moray2£13,997520,1342
Neath Port Talbot3£10,228663,5481
Newport1£8,295858,841-
Newry and Mourne3£17,575460,0426
Newtownabbey5£17,436221,0104
Norfolk28£14,637323,36240
North Ayrshire2£13,745419,5023
North Down3£16,513216,0904
North Lanarkshire6£14,855424,72511
North Yorkshire23£15,178327,13251
Northamptonshire6£11,162542,45919
Northumberland7£14,570426,7789
Nottinghamshire31£15,780321,49534
Oxfordshire11£17,195318,20624
Perth and Kinross8£12,158535,2399
Renfrewshire7£13,641429,40418
Rhondda Cynon Taf6£12,813533,84313
Scottish Borders3£8,495863,342-
Shropshire15£16,571219,76017
Somerset18£14,526424,31730
South Ayrshire7£12,740536,8538
South Yorkshire36£14,861322,19758
Staffordshire20£15,798320,93137
Stirling7£15,997313,77915
Suffolk16£15,381327,00519
Surrey23£16,488322,89344
Tyne and Wear17£13,055437,40732
West Dunbartonshire1£8,498867,5671
West Lothian11£15,051323,75711
West Midlands72£14,669421,991112
West Sussex13£17,481316,92417
West Yorkshire49£14,514426,18779
Wiltshire14£16,985322,55543
Worcestershire12£15,187425,06323
Wrexham1£15,995334,702-
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