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Used Skoda 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.

Financing a Skoda

Thinking about getting a used Skoda on finance in the UK? Let's break it down in a clear and easy way.


Simple Guide: Used Skoda on Finance


Why Choose Skoda?

  • Reliable and known for offering great value.
  • Part of the Volkswagen Group, so you benefit from shared technology and engineering.
  • Ranges from economical city cars to spacious family SUVs.
  • Consistent awards for safety, value, and reliability.

Where to Shop:

  • Skoda's official 'Approved Used' programme.
  • Local Skoda dealerships.
  • Reputable online car sales platforms.
  • Private sellers, but ensure you're cautious.

Top Skoda Models in the UK:

  1. Skoda Octavia - Versatile family car, available as a sedan or estate.
  2. Skoda Superb - Upscale offering, known for spaciousness and comfort.
  3. Skoda Fabia - Compact but efficient, a solid choice for city drivers.
  4. Skoda Karoq - Mid-sized SUV with good tech and storage options.
  5. Skoda Kodiaq - Larger SUV, perfect for bigger families.

Financing Choices:

  1. PCP (Personal Contract Purchase): Deposit, then monthly instalments. End of term? Decide to keep, return, or exchange the car.
  2. HP (Hire Purchase): Pay a deposit, followed by fixed monthly payments. Once completed, you own the car.
  3. Leasing: Regular payments for using the car. Return it at the end of the contract.

Review Your Credit Score:

  • A better credit score can often secure you a better finance deal.

Budgeting Tips:

  • Calculate your deposit and monthly payment affordability.
  • Remember to consider other costs like insurance, maintenance, and tax.

Before Finalising Your Purchase:

  • Ensure a full service history is available.
  • Match up the car's mileage with its service records and MOT certificates.
  • Be aware of any fees if you plan to end a finance agreement early.

Negotiation Strategies:

  • Familiarise yourself with average prices for the Skoda model you're after.
  • Base your negotiation on factors like car age, mileage, and condition.
  • Always understand the full terms of your finance agreement before committing.

With this simple guide, you're equipped to navigate the UK used car market and find a Skoda that's perfect for you. Best of luck and enjoy the journey!

About Skoda

ŠKODA, originally hailing from the Czech Republic, has steadily established itself in the UK as a brand synonymous with reliability, practicality, and impressive value for money. As a member of the Volkswagen Group, it benefits from the shared technology and engineering expertise, ensuring that its vehicles are both contemporary and competitive.

Key Features and Specifications

  • Smart Design: ŠKODA models are often characterised by their clean lines, roomy interiors, and understated elegance.
  • Advanced Technology: ŠKODA vehicles come packed with modern tech features, including infotainment systems, connectivity options, and driver assistance systems.
  • Value for Money: Offering a competitive price point without compromising on quality or features is one of ŠKODA's defining characteristics.
  • Award-winning: The brand has consistently bagged awards in the UK for its models, particularly in areas like reliability and customer satisfaction.

Most Popular Models in the UK

ŠKODA's range offers a mix of hatchbacks, SUVs, and more:

  • ŠKODA Octavia: A versatile family car that's equally at home on city streets as it is on motorways. Known for its space and value, it remains a top choice for many.
  • ŠKODA Superb: As the name suggests, it's a more premium offering with ample space, luxury touches, and efficient engine options.
  • ŠKODA Karoq: A compact SUV that’s been widely praised for its blend of practicality, comfort, and modern technology.
  • ŠKODA Kodiaq: This larger SUV offers versatility with options for up to seven seats, making it ideal for bigger families.

In the UK market, ŠKODA continues to stand out as a brand that combines European sophistication with exceptional value, making it a go-to for a diverse range of drivers.

Skoda Data

Find out which Skoda vehicles are most popular, their average price, age and mileage and recent sales.

ModelStockAvg PriceAvg AgeAvg MileageRecent Sales
All Skoda10,177£14,664644,83918,533
Citigo317£6,591845,986535
ENYAQ391£33,14418,558388
Fabia2,027£10,594638,2123,368
Kamiq977£18,042215,7211,815
Karoq1,438£20,798324,2163,086
Kodiaq815£25,878432,2781,988
Octavia2,106£13,714653,7703,894
Rapid207£6,849867,160286
Rapid Spaceback7£6,291983,5861
Roomster91£4,7491274,19397
Scala526£16,742214,271780
Superb885£17,949555,6781,502
Yeti390£9,2931069,281793
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