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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
All1,320£14,367428,9792,075
Aberdeen City5£14,897327,96113
Aberdeenshire1£18,99519,5853
Angus5£15,255327,55717
Antrim6£15,597321,79213
Ards3£19,090217,0383
Barnet - Greater London1£13,550335,013-
Bedfordshire19£11,930543,05431
Belfast5£17,078212,1196
Berkshire13£14,472430,06436
Blaenau Gwent1£16,99911,1393
Bristol7£11,032553,02616
Bromley - Greater London7£20,094312,1952
Buckinghamshire13£13,401438,79329
Cambridgeshire49£14,510331,35157
Carmarthenshire3£14,827527,6152
Cheshire32£12,870533,16055
City of Edinburgh12£13,900430,64814
City of London - Greater London10£15,770313,70412
Coleraine3£14,095420,5025
Conwy1£17,995318,3621
Cornwall7£15,913322,40010
County Durham30£13,526429,84739
Craigavon2£17,290216,3263
Croydon - Greater London7£13,846521,92713
Cumbria9£15,831317,5142
Derbyshire37£13,632428,23057
Derry4£14,720419,6543
Devon38£14,823427,91167
Dorset13£15,144427,71315
Dundee City10£11,647541,38513
East Ayrshire5£14,637427,2421
East Riding of Yorkshire4£11,368456,2932
East Sussex20£15,856320,94327
Enfield - Greater London3£13,059546,2247
Essex30£16,249415,57151
Falkirk6£15,191422,8324
Fife13£16,212313,42335
Flintshire1£5,7908105,278-
Glasgow City27£15,856320,79734
Gloucestershire8£13,465432,43913
Greater Manchester76£14,582421,154123
Gwynedd1£11,995429,000-
Hampshire31£13,175530,53369
Harrow - Greater London1£11,795322,4331
Havering - Greater London9£14,562323,55120
Herefordshire5£18,05527,7257
Hertfordshire33£14,882321,90171
Highland8£13,535531,1677
Hounslow - Greater London2£16,350413,3594
Inverclyde2£14,598529,6281
Isle of Wight1£14,699334,8413
Kent41£14,148428,98068
Lancashire65£13,816427,10878
Larne1£10,990467,2001
Leicestershire36£15,261328,64937
Lincolnshire40£13,402430,56754
Lisburn3£13,525429,6482
Magherafelt1£8,950863,000-
Merseyside13£13,796431,40817
Monmouthshire2£13,995421,500-
Moray2£14,247520,1342
Neath Port Talbot4£10,670657,482-
Newport1£8,795858,841-
Newry and Mourne2£17,547211,5697
Newtownabbey6£16,884228,2144
Norfolk25£14,823322,95540
North Ayrshire2£13,745419,5024
North Down2£16,495322,9574
North Lanarkshire7£14,949422,84511
North Yorkshire28£15,174326,19651
Northamptonshire7£10,138651,01018
Northumberland6£13,248431,2329
Nottinghamshire27£15,847322,10235
Oxfordshire9£17,230318,96929
Perth and Kinross9£12,363534,4309
Renfrewshire6£14,498428,75420
Rhondda Cynon Taf7£12,460542,22313
Scottish Borders3£8,495863,342-
Shropshire11£16,921219,41719
Somerset16£15,074422,65427
South Ayrshire5£14,236429,6968
South Yorkshire39£14,241426,54956
Staffordshire21£15,332320,57635
Stirling8£15,385417,35015
Suffolk17£14,909331,41619
Surrey25£15,874423,01147
Sutton - Greater London1£10,699331,000-
Tyne and Wear15£13,567432,55134
West Dunbartonshire1£8,498867,5671
West Lothian11£15,173323,75711
West Midlands65£14,485421,907108
West Sussex9£16,808316,27217
West Yorkshire49£14,713325,38180
Wiltshire17£16,899321,22943
Worcestershire15£16,054322,20522
Wrexham1£16,250334,702-
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