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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
All1,339£14,283429,4522,118
Aberdeen City3£13,331435,7248
Aberdeenshire2£16,688312,2813
Angus5£15,135327,55717
Antrim7£15,142323,63413
Ards4£18,141221,9513
Barnet - Greater London1£13,545335,013-
Bedfordshire17£12,467442,22230
Belfast5£16,902212,1205
Berkshire12£15,107328,79038
Blaenau Gwent2£17,84914,9713
Bristol8£10,088653,36115
Bromley - Greater London5£22,33324,5724
Buckinghamshire13£14,275434,83832
Cambridgeshire48£14,332430,17264
Carmarthenshire3£14,160527,6152
Ceredigion2-876,500-
Cheshire33£13,501427,45260
City of Edinburgh15£14,977320,84719
City of London - Greater London6£17,031312,64314
Clackmannanshire1£18,498310,917-
Coleraine1£13,995328,2136
Conwy1£17,995318,3621
Cornwall8£15,624320,8519
County Durham28£13,235431,09137
Craigavon2£17,240216,3263
Croydon - Greater London8£14,821424,09814
Cumbria9£14,956322,4764
Derbyshire35£12,955531,26157
Derry2£15,995415,7684
Devon44£14,799427,68869
Dorset12£17,258319,72517
Dundee City7£12,340537,09118
East Ayrshire5£14,551427,242-
East Riding of Yorkshire3£9,764555,6731
East Sussex18£15,368324,32031
Enfield - Greater London8£14,948427,0338
Essex28£15,988315,90655
Falkirk9£13,849431,5092
Fife14£15,355318,26632
Flintshire1£6,2908105,278-
Glasgow City34£15,294323,36539
Gloucestershire9£14,174431,36710
Greater Manchester78£14,211423,072127
Gwynedd1£11,995429,000-
Hampshire26£13,725426,90864
Harrow - Greater London1£11,795322,4331
Havering - Greater London8£14,924418,39420
Herefordshire7£16,566218,5068
Hertfordshire45£14,816325,51662
Highland7£14,111528,4806
Inverclyde1£18,69839,0961
Isle of Wight4£13,097632,9662
Kent42£14,157429,12466
Lancashire58£13,937426,76082
Larne1£10,990467,2001
Leicestershire38£15,683323,92040
Lincolnshire31£13,689427,51859
Lisburn5£12,255541,2383
Magherafelt3£12,617543,000-
Merseyside11£14,597430,63415
Moray2£13,747520,1341
Neath Port Talbot3£9,995663,5481
Newport1£8,295858,841-
Newry and Mourne3£17,575460,0424
Newtownabbey5£17,339221,0104
Norfolk29£14,657322,50640
North Ayrshire2£13,745419,5022
North Down3£16,262216,0904
North Lanarkshire5£14,433424,83211
North Yorkshire24£14,222426,48458
Northamptonshire8£11,896543,25619
Northumberland8£14,936323,5009
Nottinghamshire32£15,422321,28840
Oxfordshire10£16,124221,50826
Pembrokeshire1£16,495212,613-
Perth and Kinross9£13,784425,3099
Renfrewshire5£13,098533,51418
Rhondda Cynon Taf5£13,327438,21714
Scottish Borders4£9,771863,342-
Shropshire15£16,547219,76013
Somerset17£14,920424,09333
South Ayrshire6£12,948534,7169
South Yorkshire39£15,423319,57160
Staffordshire20£15,579322,90037
Stirling7£16,511313,55215
Suffolk16£14,861330,90521
Surrey21£16,806323,15245
Swansea1£7,995853,000-
Tyne and Wear17£13,823429,82531
Warwickshire1£9,500743,4943
West Dunbartonshire2£8,998857,2501
West Lothian11£14,787423,99612
West Midlands80£14,579424,716103
West Sussex10£18,422212,85518
West Yorkshire47£14,834325,94487
Wiltshire15£15,803423,97441
Worcestershire9£14,112432,47825
Wrexham1£15,995334,702-
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