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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
All1,405£14,053430,0232,238
Aberdeen City6£15,298319,77811
Aberdeenshire3£16,192312,4852
Angus5£15,395331,47613
Antrim6£15,149330,18211
Ards4£18,141221,9513
Barnet - Greater London1£12,995335,013-
Bedfordshire18£13,706436,13933
Belfast8£15,476220,8095
Berkshire16£15,014322,95430
Blaenau Gwent3£13,799321,5724
Bristol2£9,001853,63618
Bromley - Greater London5£21,97424,5884
Buckinghamshire14£13,607435,74438
Cambridgeshire55£14,065432,32968
Carmarthenshire3£14,328529,7613
Cheshire39£13,605426,86861
City of Edinburgh13£14,224326,83119
City of London - Greater London6£17,283311,26113
Clackmannanshire2£16,998315,627-
Coleraine1£20,99513,3067
Conwy1£17,995318,3621
Cornwall9£14,687428,4263
County Durham21£12,687533,07746
Craigavon3£13,992429,5533
Croydon - Greater London8£16,671317,06915
Cumbria10£14,863325,1253
Derbyshire35£14,090426,71469
Devon42£14,864425,70580
Dorset13£16,213321,40218
Dundee City5£11,896543,58715
East Ayrshire4£12,891533,6841
East Riding of Yorkshire2£8,600764,6551
East Sussex15£16,016318,54936
Enfield - Greater London8£14,693425,19213
Essex32£16,229316,77048
Falkirk5£12,550540,66610
Fife25£15,268320,04023
Flintshire1£6,0008105,278-
Glasgow City35£14,612325,64038
Gloucestershire9£13,333436,17914
Greater Manchester78£13,908423,603132
Gwynedd1£11,995429,000-
Hampshire37£13,418428,30562
Harrow - Greater London1£11,495322,4331
Havering - Greater London10£13,604422,88021
Herefordshire3£17,895217,9267
Hertfordshire46£14,682325,10067
Highland5£15,717422,17310
Hillingdon - Greater London1£9,499933,8651
Isle of Wight6£17,165316,2104
Kent39£14,540428,58571
Lancashire63£14,573322,79390
Larne1£9,990467,200-
Leicestershire38£15,073327,05148
Lincolnshire27£14,836322,00060
Lisburn4£11,409545,5694
Magherafelt3£12,783543,000-
Merseyside12£14,165439,10619
Moray3£12,430635,1902
Neath Port Talbot3£9,995663,5481
Newport1£8,295858,841-
Newry and Mourne6£17,616233,7393
Newtownabbey4£14,673336,5845
Norfolk32£14,929322,58446
North Ayrshire1£12,495623,0002
North Down2£16,045215,2484
North Lanarkshire7£15,563318,14111
North Yorkshire28£15,394319,53556
Northamptonshire9£11,299643,18522
Northumberland9£14,932324,7576
Nottinghamshire33£14,706423,88248
Oxfordshire10£16,326214,34525
Perth and Kinross6£14,413423,64316
Renfrewshire6£13,081427,56015
Rhondda Cynon Taf6£13,583531,73413
Scottish Borders3£8,495863,3421
Shropshire14£16,189322,95219
Somerset19£14,616428,57932
South Ayrshire6£12,748534,5289
South Lanarkshire1£9,995832,671-
South Yorkshire53£14,805323,15165
Staffordshire19£13,690433,66039
Stirling7£16,126314,71716
Suffolk13£15,625325,98124
Surrey19£14,023428,58246
Swansea1£7,995853,000-
Tyne and Wear19£13,355431,64732
Warwickshire2£10,475644,9284
West Dunbartonshire2£8,748857,2501
West Lothian14£14,550425,3729
West Midlands85£14,357426,379121
West Sussex11£16,849319,19116
West Yorkshire57£14,760422,42493
Wiltshire15£14,044529,97636
Worcestershire10£14,031428,87623
Wrexham1£15,695334,702-
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