Get a Carsnitch Report for Free Owner, price, MOT & dealer.

Used Kia Stonic on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

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
All970£14,683424,3182,002
Aberdeen City5£17,238211,67623
Aberdeenshire3£12,829532,5218
Angus4£11,245638,64210
Ards4£13,530433,8013
Ballymena3£10,797564,177-
Bedfordshire9£13,258438,11218
Belfast6£14,207424,93813
Berkshire12£14,632423,94018
Blaenau Gwent5£15,439315,5858
Brent - Greater London1£7,2996106,0001
Bristol3£15,450412,27411
Bromley - Greater London1£14,9954-12
Buckinghamshire3£12,921436,97230
Cambridgeshire26£14,038426,97027
Cardiff6£15,669315,45612
Carmarthenshire14£14,683424,80723
Carrickfergus2£12,323435,633-
Ceredigion10£16,635319,18112
Cheshire21£14,177322,83155
City of Edinburgh18£15,744317,85727
City of London - Greater London29£14,828428,69137
Clackmannanshire1£17,29828,1942
Coleraine6£14,127419,1622
Conwy3£16,662523,7781
Cornwall1£15,495312,98714
County Durham13£14,806425,15929
Craigavon2£12,397525,5951
Croydon - Greater London4£14,859427,87913
Cumbria9£14,001421,23418
Denbighshire1£12,995426,8001
Derbyshire18£14,597322,77235
Derry1£14,395547,0001
Devon23£14,532425,86946
Dorset12£15,995421,05814
Dumfries and Galloway1£13,495635,1152
Dundee City4£16,361315,3419
Dungannon1£11,999622,3511
East Ayrshire1£9,999653,0043
East Lothian1£14,000421,5071
East Riding of Yorkshire5£12,638532,9956
East Sussex16£14,234421,69529
Enfield - Greater London5£15,575322,92510
Essex15£14,930420,27744
Falkirk2£12,799531,289-
Fermanagh1£12,995547,8201
Fife26£17,974422,30039
Glasgow City13£15,017420,90722
Gloucestershire4£12,107545,64316
Greater Manchester52£14,651421,41082
Hampshire17£15,506316,28565
Havering - Greater London7£15,571316,45011
Herefordshire5£18,51527,58513
Hertfordshire29£15,026326,24953
Highland7£14,054427,80218
Hounslow - Greater London1£16,50015,4446
Inverclyde2£16,79812,4627
Isle of Wight7£14,970424,0773
Kent35£14,930424,34865
Lancashire28£14,884418,95449
Leicestershire11£14,305423,31323
Limavady1£16,99511,0001
Lincolnshire17£13,384425,30291
Lisburn3£15,078431,0351
Merseyside23£14,601422,05039
Merthyr Tydfil1£14,995412,4391
Monmouthshire2£17,995314,1128
Moray1£13,698325,1675
Newport5£13,889427,93713
Newry and Mourne4£12,746525,3767
Newtownabbey3£14,166219,1079
Norfolk14£17,244316,34427
North Ayrshire1£10,995649,000-
North Lanarkshire9£16,198314,29424
North Yorkshire18£15,255423,54636
Northamptonshire12£13,164437,00819
Northumberland8£14,909322,3988
Nottinghamshire18£13,991425,79345
Omagh1£14,390329,198-
Oxfordshire2£15,373412,84315
Pembrokeshire2£18,445414,9398
Perth and Kinross4£14,976420,75312
Powys2£15,087320,9111
Renfrewshire10£15,818314,94121
Rhondda Cynon Taf1£16,000428,8556
Shropshire4£14,366314,35516
Somerset10£15,346421,14932
South Ayrshire7£15,741312,98110
South Lanarkshire3£13,831427,8447
South Yorkshire14£13,370427,48338
Staffordshire21£14,662430,68254
Stirling4£17,774323,4669
Strabane1£16,995313,5001
Suffolk12£15,707316,82313
Surrey8£15,154420,51124
Swansea5£15,336418,60016
Tyne and Wear17£14,402427,47534
Waltham Forest - Greater London1£15,099417,2291
Warwickshire14£15,257421,91316
West Dunbartonshire1£11,998624,7047
West Lothian3£16,165420,0475
West Midlands45£14,807424,34675
West Sussex10£15,557416,15310
West Yorkshire29£14,923420,27175
Wiltshire14£16,622318,13737
Worcestershire9£15,619321,15321
Wrexham1£14,295339,4001
Add postcode for better results.