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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
All1,530£14,188429,0232,745
Aberdeenshire10£13,223427,78417
Angus14£14,210327,97427
Ayrshire18£15,281328,82013
Bedfordshire22£13,226438,17535
Berkshire15£14,222326,39834
Blaenau Gwent5£14,279419,99110
Borders3£8,495863,3421
Bridgend8£14,808431,09713
Bristol4£12,160420,14018
Buckinghamshire6£12,533542,90836
Cambridgeshire44£13,982432,96485
Cardiff16£14,728418,86620
Carmarthenshire10£14,905428,67518
Cheshire42£14,635421,21461
Clackmannanshire3£13,998428,309-
Conwy2£16,993317,227-
Cornwall18£15,480321,74721
County Antrim14£14,211326,21828
County Armagh5£17,568340,2147
County Down11£14,805434,76712
County Durham24£12,772534,54141
County Londonderry9£13,653430,29315
County Tyrone1£9,150779,275-
Cumbria8£15,040327,0305
Derbyshire42£13,005426,86855
Devon41£14,565427,26290
Dorset8£15,795318,64525
East Riding of Yorkshire7£15,552326,41615
East Sussex17£13,349435,12638
Essex28£15,111422,82949
Falkirk7£14,283423,60413
Fife31£15,354322,15926
Flintshire1£8,495761,4082
Gloucestershire7£12,255544,80711
Greater London56£14,260427,187108
Greater Manchester74£13,126429,569125
Hampshire25£13,012429,74574
Herefordshire2£20,74518,5007
Hertfordshire35£12,876433,59384
Highland5£15,557430,73512
Inverclyde3£14,331421,8252
Isle of Wight6£17,148313,6676
Kent53£14,747328,91887
Lanarkshire32£13,263428,22960
Lancashire59£13,875428,11492
Leicestershire36£13,820429,13162
Lincolnshire33£13,214433,04262
Merseyside17£15,236329,14537
Midlothian21£14,262425,10124
Monmouthshire3£15,162413,8949
Moray2£10,897642,1073
Neath Port Talbot3£9,828663,5481
Newport11£13,470427,06620
Norfolk24£14,075326,93058
North Yorkshire24£15,448320,55059
Northamptonshire12£11,352544,19418
Northumberland10£15,349322,1196
Nottinghamshire32£13,132430,66971
Oxfordshire15£15,075325,96418
Pembrokeshire6£14,246430,7889
Perth & Kinross5£12,595436,12619
Powys4£16,495311,8432
Renfrewshire5£17,398312,45817
Rhondda Cynon Taf9£13,968434,09616
Shropshire14£15,190328,66519
Somerset18£14,431429,91139
South Yorkshire42£14,969319,50282
Staffordshire37£15,431320,16777
Stirling7£14,383318,72316
Suffolk20£14,924327,01831
Surrey30£13,613527,77658
Swansea15£13,973430,84511
Tyne and Wear25£11,741541,74924
Vale of Glamorgan1£16,799111,462-
Warwickshire12£14,903328,15922
West Lothian14£13,904426,87717
West Midlands76£14,389429,312136
West Sussex22£17,622212,96036
West Yorkshire39£14,427422,301106
Wiltshire20£14,079428,83140
Worcestershire15£14,371430,69022
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