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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
All1,546£14,238428,4142,749
Aberdeenshire11£12,998430,76717
Angus14£14,210327,97427
Ayrshire18£15,498328,56414
Bedfordshire20£13,130437,39737
Berkshire16£14,083426,93134
Blaenau Gwent5£14,279419,99110
Borders3£8,495863,3421
Bridgend10£15,725325,65213
Bristol4£12,148420,14017
Buckinghamshire5£11,094651,06534
Cambridgeshire47£14,312330,76483
Cardiff15£14,651419,66121
Carmarthenshire9£14,617431,30518
Cheshire44£14,690321,40262
Clackmannanshire3£13,998428,309-
Conwy2£16,993317,227-
Cornwall19£15,534320,98921
County Antrim14£14,211326,21827
County Armagh6£18,232233,7085
County Down11£14,805434,76712
County Durham24£12,761534,54141
County Londonderry9£13,653430,29315
Cumbria8£15,040327,0305
Derbyshire45£13,037426,05453
Devon43£14,828426,38691
Dorset9£15,982317,88225
East Riding of Yorkshire7£15,530326,41615
East Sussex17£13,349435,12638
Essex29£15,152423,36549
Falkirk7£14,211423,60413
Fife31£15,339322,15926
Flintshire1£8,495761,4082
Gloucestershire7£12,227544,80711
Greater London58£14,398426,370110
Greater Manchester74£13,079430,252126
Hampshire25£12,752432,96173
Herefordshire2£20,74518,5007
Hertfordshire34£12,817434,26385
Highland5£15,557430,73512
Inverclyde3£14,331421,8252
Isle of Wight6£17,148313,6676
Kent57£14,417330,88786
Lanarkshire32£13,509426,33260
Lancashire59£13,935427,93693
Leicestershire37£13,833428,72362
Lincolnshire32£13,260432,91063
Merseyside18£15,278329,67836
Midlothian20£14,628322,43125
Monmouthshire3£15,162413,8949
Moray2£10,897642,1073
Neath Port Talbot3£9,828663,5481
Newport11£13,493427,06620
Norfolk22£14,240325,85059
North Yorkshire24£15,438320,55057
Northamptonshire12£11,352544,19419
Northumberland10£15,349322,1196
Nottinghamshire33£12,956431,77770
Oxfordshire17£14,766326,65818
Pembrokeshire8£14,496429,1549
Perth & Kinross5£12,495436,12619
Powys4£16,370311,8432
Renfrewshire5£17,398312,45817
Rhondda Cynon Taf9£13,914434,09616
Shropshire14£15,190328,66519
Somerset18£14,430429,91137
South Yorkshire43£14,896319,46081
Staffordshire36£15,196321,11278
Stirling6£13,864421,02617
Suffolk19£14,878327,87232
Surrey29£13,388528,67759
Swansea13£13,789431,85911
Tyne and Wear26£11,778540,48324
Vale of Glamorgan1£16,799111,462-
Warwickshire13£14,895327,20822
West Lothian14£13,904426,87717
West Midlands76£14,572428,212138
West Sussex21£17,394213,42637
West Yorkshire39£14,271423,012106
Wiltshire20£14,254428,99741
Worcestershire15£14,371430,69022
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