Get a Carsnitch Report for Free Owner, price, MOT & dealer.

Used Kia Xceed 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 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
All1,036£16,258326,4461,759
Aberdeen City6£16,164431,8548
Aberdeenshire8£14,849424,8405
Angus3£18,162320,2049
Antrim4£17,737316,49713
Ards8£18,178216,7874
Ballymena2£15,448436,9591
Banbridge1£16,400215,000-
Bedfordshire12£12,755551,08621
Belfast2£14,745428,0602
Berkshire14£18,353211,93616
Blaenau Gwent3£16,966321,0281
Bristol8£14,234428,18116
Buckinghamshire12£16,276324,67726
Cambridgeshire37£15,888430,33661
Carmarthenshire1£12,995450,739-
Cheshire36£18,955212,78365
City of Edinburgh4£19,274314,33221
City of London - Greater London4£17,179315,7271
Coleraine2£15,572541,8264
Cornwall2£14,997531,4262
County Durham20£16,691325,18337
Croydon - Greater London3£20,325235,4456
Cumbria5£14,496449,0482
Derbyshire22£14,333431,67647
Derry2£17,495325,9151
Devon20£16,534426,27230
Dorset11£17,653215,4349
Dundee City9£16,709421,67211
Dungannon2£14,395446,7132
East Ayrshire3£13,331537,7153
East Riding of Yorkshire4£11,057652,6473
East Sussex5£20,359216,36814
Enfield - Greater London4£15,816431,3788
Essex29£20,240212,48045
Falkirk2£12,448549,4782
Fermanagh2£13,743556,609-
Fife11£16,235324,14632
Glasgow City22£16,534423,66052
Gloucestershire5£17,560210,7363
Greater Manchester84£16,807320,286116
Hampshire18£18,576212,76863
Havering - Greater London9£14,302425,64312
Herefordshire1£21,19512,1824
Hertfordshire32£16,054328,59154
Highland7£15,968432,69210
Hillingdon - Greater London2£12,499536,075-
Hounslow - Greater London1£19,150323,6258
Isle of Wight6£16,082426,8592
Kent27£17,004322,17835
Lancashire31£16,031425,83962
Larne1£10,450575,000-
Leicestershire26£19,366220,72730
Lincolnshire24£14,331433,81139
Merseyside16£16,594317,81221
Moray1£12,495633,9853
Newport1£15,950432,917-
Newry and Mourne7£16,978318,9356
Newtownabbey3£19,32825,2005
Norfolk31£16,857323,03943
North Ayrshire1£15,295433,8622
North Lanarkshire6£14,204541,15719
North Yorkshire24£16,382423,49656
Northamptonshire12£13,623436,19516
Northumberland1£20,99919,7558
Nottinghamshire21£16,132318,33741
Omagh1£13,795441,9981
Oxfordshire7£18,717316,48817
Perth and Kinross6£15,555426,51310
Renfrewshire11£15,925432,62120
Rhondda Cynon Taf1£14,971428,0008
Scottish Borders1£13,1994-2
Shropshire11£17,183220,70411
Somerset9£19,379214,01719
South Ayrshire2£17,848321,3247
South Lanarkshire6£18,245316,05415
South Yorkshire28£17,299317,45579
Staffordshire26£15,358427,53446
Stirling8£15,510423,22017
Strabane1£14,995443,585-
Suffolk4£14,655339,6827
Surrey24£17,470320,16321
Swansea1£11,499544,412-
Tyne and Wear13£15,991324,82034
Warwickshire7£17,492215,1108
West Lothian5£16,247319,31211
West Midlands60£15,789325,80887
West Sussex2£18,49029,3367
West Yorkshire38£16,553321,70667
Wiltshire13£18,135218,90919
Worcestershire8£19,145213,5268
Add postcode for better results.