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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
All1,375£14,201429,1832,146
Aberdeen City5£16,097321,45314
Aberdeenshire2£15,248525,7503
Angus7£16,438221,11214
Antrim3£13,649421,84415
Ards6£16,207427,2111
Bedfordshire20£12,192543,90733
Belfast4£16,360310,0076
Berkshire18£14,151429,30632
Bexley - Greater London1£13,999618,0002
Blaenau Gwent2£14,44738,6574
Bristol5£12,232545,71018
Bromley - Greater London7£20,094312,1953
Buckinghamshire18£14,642431,46823
Cambridgeshire46£13,922433,19961
Cardiff4£16,96935,7283
Carmarthenshire3£14,827527,5522
Ceredigion2£17,24539,9423
Cheshire19£13,247534,61156
City of Edinburgh10£13,067528,41415
City of London - Greater London34£15,909317,96636
Coleraine2£14,345516,6476
Conwy1£17,995318,3621
Cornwall9£16,376320,13117
County Durham32£13,901427,55433
Craigavon2£17,490216,3264
Croydon - Greater London8£13,845427,52610
Cumbria8£16,218315,7783
Derbyshire24£13,538426,69760
Derry4£14,845419,6543
Devon46£14,531430,58556
Dorset15£14,440429,01013
Dundee City5£10,556646,4079
East Ayrshire2£10,595647,7241
East Riding of Yorkshire6£11,487551,7909
East Sussex24£15,455324,30526
Enfield - Greater London6£13,252536,2765
Essex34£15,609419,11953
Falkirk6£15,809322,2713
Fermanagh1£11,995444,500-
Fife14£16,018314,70938
Flintshire1£5,7908105,278-
Glasgow City11£14,607435,03618
Gloucestershire8£10,601550,33215
Greater Manchester74£14,718421,995128
Gwynedd1£11,995429,000-
Hampshire36£13,363430,80968
Havering - Greater London4£17,88526,96210
Herefordshire7£18,681210,3796
Hertfordshire31£15,141324,36474
Highland10£13,327530,1047
Hounslow - Greater London2£14,850415,3584
Inverclyde2£14,748529,6281
Isle of Wight1£14,699334,8413
Kent46£14,370427,59979
Lancashire66£14,159424,98276
Larne1£10,990467,2001
Leicestershire41£15,396328,42637
Lincolnshire34£12,936432,40654
Lisburn2£12,145543,4102
Magherafelt1£8,950863,000-
Merseyside17£14,646428,66320
Monmouthshire2£14,495421,5001
Moray2£14,497520,1342
Neath Port Talbot4£10,670657,482-
Newport4£12,023641,3661
Newry and Mourne2£17,847211,5697
Newtownabbey4£16,202221,2114
Norfolk21£14,841321,75238
North Ayrshire2£13,745419,5024
North Down3£15,162325,3463
North Lanarkshire12£14,911322,84519
North Yorkshire26£15,607326,49949
Northamptonshire10£12,095548,24416
Northumberland8£13,436530,6997
Nottinghamshire23£15,091324,22044
Oxfordshire11£15,387425,36428
Pembrokeshire1£8,495940,439-
Perth and Kinross8£13,321429,6299
Powys3£15,328335,1191
Renfrewshire6£14,331429,94220
Rhondda Cynon Taf11£13,264432,89511
Scottish Borders1£8,295862,000-
Shropshire12£16,494323,34024
Somerset23£14,171428,28125
South Ayrshire6£13,580433,0956
South Lanarkshire11£15,251321,3745
South Yorkshire39£14,507324,57855
Staffordshire22£14,923323,67639
Stirling9£16,408310,18614
Suffolk18£14,537333,62421
Surrey14£13,453532,86340
Sutton - Greater London1£10,490331,000-
Swansea4£11,059641,0812
Tyne and Wear15£14,446328,78249
Warwickshire9£13,926424,47614
West Dunbartonshire1£8,498867,5671
West Lothian12£14,657428,2069
West Midlands65£13,986425,985113
West Sussex7£15,721321,06920
West Yorkshire42£15,011324,74084
Wiltshire22£16,681321,20541
Worcestershire16£17,218320,33522
Wrexham2£15,373423,4161
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