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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
All1,316£14,182429,8762,364
Aberdeen City9£13,970427,21610
Aberdeenshire4£13,517426,2864
Angus4£13,820434,82612
Antrim1£14,199324,35513
Ards6£17,425225,9113
Ballymoney1£14,450325,391-
Barnet - Greater London1£12,495335,013-
Bedfordshire20£13,432437,87233
Belfast6£14,521328,8637
Berkshire14£14,870324,34636
Bexley - Greater London1£14,800312,008-
Blaenau Gwent5£15,239317,0315
Bristol5£11,707428,30217
Bromley - Greater London5£21,97424,5884
Buckinghamshire7£12,837441,57134
Cambridgeshire40£14,216333,10587
Carmarthenshire2£13,995638,0482
Cheshire37£14,348424,21363
City of Edinburgh13£14,283326,51217
City of London - Greater London8£15,775422,7978
Clackmannanshire2£16,248315,627-
Coleraine1£17,99513,2595
Conwy1£17,995318,362-
Cookstown1£9,150779,275-
Cornwall8£14,186431,0734
County Durham27£13,044533,89638
Craigavon2£16,890216,3263
Croydon - Greater London4£11,430647,44321
Cumbria8£15,133327,0305
Derbyshire44£13,459424,88056
Devon42£14,412427,92093
Dorset7£16,152216,36322
Dundee City7£15,968317,88417
East Ayrshire3£15,398419,9793
East Riding of Yorkshire1£7,500785,0002
East Sussex15£15,658319,76635
Enfield - Greater London8£12,619536,61916
Essex31£15,185421,84248
Falkirk8£13,184429,97811
Fife23£15,296322,47027
Glasgow City23£13,626430,11046
Gloucestershire6£12,648537,41810
Greater Manchester63£13,320428,731124
Gwynedd1£11,995429,000-
Hampshire26£13,260431,14074
Harrow - Greater London1£11,495322,4331
Havering - Greater London12£12,768531,30922
Herefordshire1£25,49502,5007
Hertfordshire28£13,881328,02272
Highland4£16,198435,01412
Hounslow - Greater London4£19,088313,6845
Inverclyde3£14,331421,8252
Isle of Wight6£17,148313,6676
Kent40£14,498431,95459
Lancashire54£13,896426,53593
Larne1£9,990467,200-
Leicestershire35£14,338327,64859
Lincolnshire38£13,399435,22660
Lisburn4£12,605543,6294
Magherafelt3£12,783543,000-
Merseyside12£14,397436,75722
Moray1£13,298520,2673
Neath Port Talbot3£9,828663,5481
Newport1£8,295858,841-
Newry and Mourne3£18,245356,1395
Newtownabbey7£13,859328,4374
Norfolk26£14,360325,97056
North Ayrshire3£10,662646,6441
North Down1£15,695328,1394
North Lanarkshire5£10,909634,40413
North Yorkshire27£15,181321,71558
Northamptonshire10£10,306650,43419
Northumberland10£15,359322,1196
Nottinghamshire25£13,483429,33662
Oxfordshire14£15,224324,46118
Pembrokeshire1£10,699648,000-
Perth and Kinross6£12,928431,11819
Renfrewshire7£16,927312,46115
Rhondda Cynon Taf9£13,971434,09615
Scottish Borders3£8,495863,3421
Shropshire16£15,250327,48617
Somerset19£14,799426,01735
South Ayrshire8£16,597324,8339
South Lanarkshire1£16,99536,6411
South Yorkshire39£14,993319,41780
Staffordshire21£16,691217,02240
Stirling7£14,340321,28715
Suffolk16£14,892327,60114
Surrey27£14,607421,98653
Sutton - Greater London2£9,095638,5001
Tyne and Wear22£11,697542,88926
Warwickshire2£12,764530,3697
West Lothian10£15,237320,79616
West Midlands74£14,820326,639133
West Sussex16£17,307316,35719
West Yorkshire44£14,433422,141103
Wiltshire20£13,510433,85537
Worcestershire13£14,132434,46319
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