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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
All1,351£14,227429,3322,174
Aberdeen City4£16,247423,55110
Aberdeenshire2£16,488312,2812
Angus5£15,395331,47616
Antrim6£15,174330,18212
Ards4£18,141221,9513
Barnet - Greater London1£12,995335,013-
Bedfordshire17£13,719436,56931
Belfast6£16,175219,1845
Berkshire12£15,479321,73234
Blaenau Gwent3£13,799321,5723
Bristol5£10,321640,55617
Bromley - Greater London5£22,33324,5724
Buckinghamshire11£13,652437,50535
Cambridgeshire58£13,912431,31465
Carmarthenshire2£16,495419,5943
Cheshire40£13,389428,14456
City of Edinburgh15£14,694325,38220
City of London - Greater London7£16,500313,07212
Clackmannanshire1£18,498310,917-
Coleraine1£13,795328,2136
Conwy1£17,995318,3621
Cornwall9£15,165325,5344
County Durham28£12,888532,31140
Craigavon2£16,990216,3263
Croydon - Greater London4£17,008315,68915
Cumbria8£14,934421,3614
Derbyshire33£13,898427,30268
Devon42£14,918424,35877
Dorset13£16,310321,81817
Dundee City6£12,080541,50717
East Ayrshire4£13,114533,6841
East Riding of Yorkshire2£8,700764,6551
East Sussex14£16,588317,81433
Enfield - Greater London8£14,127428,07911
Essex29£16,377315,93149
Falkirk7£14,736427,8077
Fife20£15,138321,06224
Flintshire1£6,2908105,278-
Glasgow City34£14,706325,95837
Gloucestershire7£13,331436,36114
Greater Manchester77£13,828425,651124
Gwynedd1£11,995429,000-
Hampshire33£13,321429,11266
Harrow - Greater London1£11,795322,4331
Havering - Greater London11£14,284420,68320
Herefordshire4£16,070327,4928
Hertfordshire44£14,396326,54967
Highland5£15,217420,2739
Hillingdon - Greater London1£9,499933,8651
Isle of Wight5£16,298319,0924
Kent41£14,078431,74868
Lancashire61£14,618323,02083
Larne1£9,990467,2001
Leicestershire36£14,914326,83744
Lincolnshire26£14,370424,12662
Lisburn5£12,226541,2383
Magherafelt3£12,783543,000-
Merseyside10£15,611327,76218
Moray3£14,430418,6341
Neath Port Talbot3£9,995663,5481
Newport1£8,295858,841-
Newry and Mourne6£17,987233,7393
Newtownabbey4£14,964332,0665
Norfolk32£14,519324,48443
North Ayrshire1£12,495623,0003
North Down3£16,128216,0903
North Lanarkshire4£15,990419,09612
North Yorkshire24£15,061320,90461
Northamptonshire9£12,774541,56020
Northumberland9£14,932324,7577
Nottinghamshire33£15,052323,39741
Oxfordshire8£16,085218,40524
Pembrokeshire1£16,495212,613-
Perth and Kinross10£14,566420,98712
Renfrewshire4£12,498531,27716
Rhondda Cynon Taf6£13,857531,73413
Scottish Borders3£8,495863,3421
Shropshire13£16,575220,23615
Somerset13£14,465427,37832
South Ayrshire6£12,748534,7168
South Yorkshire44£14,937321,38959
Staffordshire24£14,522329,18235
Stirling9£16,464212,56914
Suffolk15£14,899329,44423
Surrey16£14,489428,63946
Swansea1£7,995853,000-
Tyne and Wear18£14,005428,79935
Warwickshire2£8,950748,9323
West Dunbartonshire2£8,998857,2501
West Lothian11£14,455427,32810
West Midlands79£14,486426,387120
West Sussex12£17,219318,12217
West Yorkshire56£14,405423,96391
Wiltshire13£13,971533,46939
Worcestershire10£14,087428,87624
Wrexham1£15,695334,702-
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