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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
All1,550£14,172428,7252,792
Aberdeenshire12£16,393318,91619
Angus14£13,485431,51525
Ayrshire15£14,927331,61416
Bedfordshire26£14,254335,82739
Berkshire12£14,303325,40229
Blaenau Gwent5£14,339314,4298
Borders3£8,495863,3421
Bridgend11£14,886427,87713
Bristol8£11,090536,68614
Buckinghamshire7£12,857442,99732
Cambridgeshire38£13,687432,31085
Cardiff25£14,410319,28421
Carmarthenshire11£14,004425,60921
Cheshire39£14,661322,12676
Clackmannanshire2£12,248537,0051
Conwy3£14,493429,545-
Cornwall20£14,646424,76821
County Antrim14£13,362328,47528
County Armagh6£18,000233,7085
County Down9£14,487439,99610
County Durham25£13,237430,31440
County Londonderry9£14,592324,96918
Cumbria9£14,279324,8836
Derbyshire37£13,203425,45763
Devon38£14,820426,89185
Dorset14£15,580320,30124
Dumfries & Galloway1£18,99818,1392
Dunbartonshire1£12,998437,4072
East Riding of Yorkshire8£16,942213,94114
East Sussex17£13,295436,71236
Essex30£14,314426,11948
Falkirk8£14,097425,67213
Fife25£14,756323,42832
Flintshire1£8,295761,4082
Gloucestershire6£11,561549,5599
Greater London54£14,228426,435112
Greater Manchester71£13,123429,960129
Hampshire27£13,194430,46472
Herefordshire2£20,74518,5006
Hertfordshire29£13,297332,80596
Highland4£15,320529,41412
Inverclyde4£15,123419,7682
Isle of Wight5£15,358419,1177
Kent53£14,763328,65891
Lanarkshire38£13,562426,96452
Lancashire54£13,938427,94996
Leicestershire35£13,802428,15563
Lincolnshire34£13,400431,20668
Merseyside20£14,829427,92840
Midlothian16£13,644427,73730
Monmouthshire2£14,745415,6339
Neath Port Talbot3£9,828663,5481
Newport12£13,728425,28618
Norfolk29£14,763323,75560
North Yorkshire27£13,897425,45356
Northamptonshire11£9,632750,16219
Northumberland11£14,482326,0105
Nottinghamshire36£13,164430,36471
Oxfordshire16£14,595429,21420
Pembrokeshire8£14,158433,3417
Perth & Kinross5£13,491433,77919
Powys5£16,395311,4172
Renfrewshire6£16,248321,15916
Rhondda Cynon Taf10£13,477431,85313
Shropshire12£15,661329,07119
Somerset21£14,178431,45334
South Yorkshire43£14,680320,69281
Staffordshire33£14,943322,60079
Stirling8£14,197321,28915
Suffolk20£14,754327,65335
Surrey33£13,773429,53762
Swansea13£13,300433,59413
Tyne and Wear24£12,292538,02829
Vale of Glamorgan1£16,799111,462-
Warwickshire10£15,325325,26822
West Lothian20£13,712431,58112
West Midlands74£14,175428,997135
West Sussex22£16,781317,97240
West Yorkshire44£13,600424,541105
Wiltshire23£14,332430,12436
Worcestershire13£14,507430,19325
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