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Used Kia Xceed on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

Getting a Kia Xceed on finance

  1. Research the Vehicle:

    • The Kia XCeed is a stylish compact crossover, offering a combination of design, practicality, and modern features.
    • Familiarise yourself with its various trim levels, engine variants, and key features.
    • If you're interested in a used model, explore the specific year you're eyeing and any updates or changes made in subsequent years.
  2. Searching for a Used Model:

    • For the best deal on a used Kia XCeed on finance, start with Kia's approved-used dealerships. Vehicles here usually come with a warranty and are inspected to meet the brand's standards.
    • Additionally, explore online marketplaces, local dealerships, and car supermarkets for a wider range of options and pricing.
  3. Finance Options:

    • Personal Contract Purchase (PCP): Typically begins with a deposit, followed by monthly instalments. At the end, you can choose to make a final payment to own the car, hand it back, or renew the contract with a new vehicle.
    • Hire Purchase (HP): After a deposit, you'll clear the car's value in monthly instalments. Once all payments are made, the vehicle is yours.
    • Leasing: Essentially a rental, you'll have the Kia XCeed for a specific period, returning it at the end.
    • Personal Loan: Obtain a loan from a bank or lender to buy the car, then repay in monthly instalments.
  4. Collect and Compare Quotes:

    • Secure finance quotes from Kia dealerships and third-party finance companies. Some might offer attractive rates, especially if you're looking for a used Kia XCeed on finance.
    • Pay special attention to the APR (Annual Percentage Rate) to get a clearer view of the total borrowing cost.
  5. Impact of Credit Score:

    • Your credit rating can influence the finance terms and rates you're offered.
    • It's a good idea to review your credit score with UK agencies like Experian, Equifax, or TransUnion before applying and address any discrepancies you find.
  6. Budgeting:

    • Determine a monthly payment amount that's within your budget.
    • Remember, a bigger deposit can lead to reduced monthly payments.
  7. Understanding the Agreement:

    • If considering a PCP or lease deal, be mindful of any mileage restrictions.
    • Ensure you're clear on any charges for early contract termination or surpassing the set mileage.
  8. Negotiation:

    • Use your research as leverage to negotiate both the vehicle price and finance terms. Even if you're getting a used Kia XCeed on finance, there's usually some wiggle room.
    • Always consider the overall repayment amount over the contract period, not just monthly figures.
  9. Finalise the Deal:

    • Once you're happy with the terms, you'll need to fill out the necessary paperwork.
    • Carefully read through all terms before signing and keep copies of every agreement.
  10. Insurance:

  • Ensure you have the right car insurance in place before taking ownership of the XCeed. Compare different providers to secure a competitive rate.
  1. End-of-Agreement Decisions:
  • For PCP agreements: At the end, you can opt to make the balloon payment, return the car, or start a new finance agreement.
  • With HP: The car is yours after all payments.
  • If leasing, ensure the car is ready for return, adhering to the contract's specified conditions.
  1. Other Costs:
  • Factor in other potential expenses, including road tax, maintenance, and fuel.

When considering financing a vehicle, always ensure the selected terms fit both your present and projected financial conditions. If ever uncertain, seeking guidance from financial experts or professionals can be beneficial.

About the Kia Xceed

Striding confidently into the burgeoning world of crossover SUVs, the Kia XCeed presents itself as a harmonious blend of style, functionality, and innovation. Specifically engineered with the UK's diverse roads and discerning drivers in mind, the XCeed demonstrates Kia's ambition in expanding its modern vehicle repertoire.

Carving a Distinct Niche:

Launched in 2019, the Kia XCeed emerged from the shadows of the esteemed Ceed hatchback, forging its own identity. While it borrows the core underpinnings, the XCeed's elevated stance, sleek profile, and dynamic design cues distinctly set it apart, catering to those desiring SUV virtues with coupe-like elegance.

Design Excellence and Ingenuity:

Embodying a sporty aesthetic, the XCeed showcases a bold front fascia, accompanied by intricately designed LED headlights. Inside, the cabin marries ergonomic design with advanced tech features, including a state-of-the-art infotainment system and a suite of safety amenities. Whether cruising through city lanes or embarking on rural adventures, the XCeed ensures a ride that's both engaging and comfortable.

Meeting Its Market Match:

In the UK's competitive automotive market, the XCeed squares off against rivals like the Ford Focus Active, Volkswagen T-Roc, and Peugeot 3008. But with its compelling price point, generous equipment list, and the allure of Kia's unmatched 7-year warranty, the XCeed carves out a strong position for itself.

Summing It Up:

For those in the UK looking for a vehicle that melds the practicality of an SUV with the flair of a coupe, the Kia XCeed stands out as a persuasive choice. With tailored finance options augmenting its appeal, the dream of driving this dynamic crossover is within reach for many.

Kia Xceed Data by County

Kia Xceed data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,079£18,056220,7302,279
Aberdeen City3£15,215339,43213
Aberdeenshire3£23,16701,6188
Angus2£18,745222,9171
Ards3£19,723213,8933
Bedfordshire7£18,587218,17410
Belfast8£16,771220,45619
Berkshire7£19,663223,35512
Bristol9£18,728222,4915
Buckinghamshire15£16,837325,18829
Cambridgeshire35£17,104221,92355
Cardiff8£17,423219,78115
Carmarthenshire20£20,335111,0452
Ceredigion8£18,447222,03416
Cheshire60£17,181215,90593
City of Edinburgh8£17,698217,68424
City of London - Greater London23£16,055222,44839
Coleraine3£15,497235,5284
Conwy1£20,995112,0793
County Durham21£17,782218,46248
Craigavon1£15,999316,241-
Croydon - Greater London6£20,963110,7906
Cumbria1£17,853246,6009
Derbyshire13£18,257222,99744
Derry1£12,990335,9341
Devon19£20,681110,83436
Dorset6£19,34129,10220
Dundee City2£15,994320,58514
Dungannon1£10,790454,8093
East Ayrshire1£11,999346,1405
East Riding of Yorkshire17£16,209224,95329
East Sussex10£18,932219,37316
Enfield - Greater London2£17,745125,9543
Essex38£17,744217,64437
Fife13£19,342213,52243
Glasgow City9£18,943220,15847
Gloucestershire7£21,51406,0705
Greater Manchester63£18,066218,688172
Hampshire26£19,397212,79249
Havering - Greater London3£11,758326,3797
Herefordshire7£20,009121,1285
Hertfordshire24£16,912223,11646
Highland6£19,914316,91410
Hounslow - Greater London4£18,263220,6537
Isle of Wight4£19,149213,4616
Kent35£16,542320,83770
Lancashire30£19,429218,60364
Leicestershire22£20,866113,01537
Lincolnshire30£17,959220,217134
Merseyside31£17,921218,66747
Merthyr Tydfil2£14,055325,661-
Monmouthshire4£20,520219,5001
Newport6£16,579224,52232
Newry and Mourne4£20,12419,72113
Newtownabbey2£19,019220,0926
Norfolk28£19,110221,78944
North Ayrshire1£13,499328,4111
North Lanarkshire4£16,550324,30927
North Yorkshire12£19,438215,63235
Northamptonshire9£17,744228,17521
Northumberland5£31,19919,6997
Nottinghamshire20£16,921224,38458
Oxfordshire6£18,870210,48712
Pembrokeshire9£20,773111,6568
Perth and Kinross5£19,49319,5588
Powys4£22,62016,1601
Redbridge - Greater London1£16,000241,0001
Renfrewshire4£15,198230,01929
Rhondda Cynon Taf7£17,880221,84713
Shropshire12£17,698218,10421
Somerset7£17,273235,14216
South Ayrshire4£16,134318,67916
South Lanarkshire3£14,165341,58316
South Yorkshire33£19,024112,21985
Staffordshire33£17,366222,04483
Stirling7£20,006215,72921
Strabane2£18,195223,996-
Suffolk10£17,792323,42412
Surrey10£18,575221,65328
Swansea8£19,572211,62713
Tyne and Wear19£16,110227,35740
Warwickshire4£16,262216,87817
West Midlands46£17,117221,85399
West Sussex5£20,620113,74811
West Yorkshire33£18,403217,48370
Wiltshire17£19,100114,86919
Worcestershire16£19,127216,56523
Wrexham1£15,295317,3801
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