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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
All1,329£14,259429,1761,956
Aberdeen City5£16,097321,45312
Aberdeenshire1£18,99519,5853
Angus7£16,438221,11215
Antrim6£14,055426,34012
Ards6£16,207427,211-
Bedfordshire19£11,737546,13530
Belfast5£17,038212,1196
Berkshire19£14,764427,49630
Blaenau Gwent2£13,249413,8702
Bristol7£11,103552,92016
Bromley - Greater London7£20,094312,1952
Buckinghamshire16£14,040434,48823
Cambridgeshire46£13,899432,62853
Cardiff1£16,400214,3002
Carmarthenshire3£14,827527,5522
Cheshire26£13,110535,77351
City of Edinburgh9£14,070328,98216
City of London - Greater London23£17,783312,03722
Coleraine3£14,095420,5025
Conwy1£17,995318,3621
Cornwall8£16,674320,1899
County Durham35£13,887427,97333
Craigavon2£17,340216,3263
Croydon - Greater London6£14,796424,78512
Cumbria8£16,073315,7782
Derbyshire29£13,710427,51356
Derry4£14,845419,6543
Devon44£14,780428,51159
Dorset14£14,548429,08814
Dundee City7£12,325537,07913
East Ayrshire3£13,729532,7471
East Riding of Yorkshire4£11,481456,2932
East Sussex19£16,009320,19927
Enfield - Greater London6£13,124536,2764
Essex37£15,667418,33646
Falkirk5£16,131319,7984
Fife12£16,230312,75834
Flintshire1£5,7908105,278-
Glasgow City16£14,861430,28728
Gloucestershire6£10,903547,60812
Greater Manchester76£14,550421,598121
Gwynedd1£11,995429,000-
Hampshire34£13,102531,98362
Harrow - Greater London1£11,795322,4331
Havering - Greater London8£15,142321,68212
Herefordshire7£18,46628,9936
Hertfordshire31£15,043324,11669
Highland7£13,183633,5887
Hounslow - Greater London3£15,783313,4293
Inverclyde2£14,748529,6281
Isle of Wight1£14,699334,8412
Kent40£14,586426,37369
Lancashire64£13,988426,65770
Larne1£10,990467,2001
Leicestershire40£14,993330,18333
Lincolnshire36£13,314431,38453
Lisburn2£11,995543,4102
Magherafelt1£8,950863,000-
Merseyside13£14,908427,82816
Monmouthshire2£14,495421,500-
Moray2£14,497520,1342
Neath Port Talbot4£10,670657,482-
Newport1£8,795858,841-
Newry and Mourne2£17,547211,5697
Newtownabbey5£15,199228,2144
Norfolk21£14,836322,08638
North Ayrshire2£13,745419,5024
North Down3£15,162325,3463
North Lanarkshire8£14,632424,53710
North Yorkshire25£15,513327,20549
Northamptonshire8£11,607545,06117
Northumberland9£13,721528,1736
Nottinghamshire22£15,832321,50932
Oxfordshire9£15,769325,84428
Pembrokeshire1£8,495940,439-
Perth and Kinross9£12,452534,4309
Renfrewshire6£14,331429,94218
Rhondda Cynon Taf10£13,140434,69510
Scottish Borders1£8,295862,000-
Shropshire12£17,440218,20817
Somerset18£14,017527,81025
South Ayrshire6£14,030429,7567
South Lanarkshire7£16,209213,1853
South Yorkshire39£14,357325,00249
Staffordshire22£15,392322,16131
Stirling9£15,686314,02313
Suffolk17£14,597333,59420
Surrey16£13,640530,58336
Sutton - Greater London1£10,490331,000-
Tyne and Wear17£14,694327,51546
Warwickshire9£13,926424,47613
West Dunbartonshire1£8,498867,5671
West Lothian11£14,518326,4079
West Midlands61£14,123423,948102
West Sussex8£15,410322,64818
West Yorkshire44£14,985324,43775
Wiltshire19£17,170319,43641
Worcestershire15£16,309324,57220
Wrexham1£16,250334,702-
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