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Used Skoda Kodiaq 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 Skoda Kodiaq on finance

  1. Research the Vehicle:

    • Learn about the Skoda Kodiaq's specifications, trim levels, and optional features.
    • Read reviews and user feedback.
    • Identify the variant and additional features you are interested in.
  2. Types of Finance Options:

    • Personal Contract Purchase (PCP): Pay a deposit, then monthly instalments. At the end, you can pay a balloon payment to own the car, return it, or trade it in for a new deal.
    • Hire Purchase (HP): After paying a deposit, you'll pay off the value of the car in monthly instalments. Once all payments are made, you own the car outright.
    • Personal Loan: Secure a loan from a bank or lender, purchase the car outright, and then repay the loan in instalments.
    • Leasing: You rent the car for a fixed period (usually 2-4 years) and then return it at the end.
  3. Shop Around:

    • Get multiple quotes from Skoda dealerships and independent finance providers.
    • Check the APR (Annual Percentage Rate) which includes all the costs of borrowing.
    • Consider any promotional deals from Skoda or specific dealerships.
  4. Credit Score Check:

    • Your credit rating can influence the interest rate offered.
    • Check your score using UK credit reference agencies like Experian, Equifax, or TransUnion.
    • Address any discrepancies before applying for finance.
  5. Set a Budget:

    • Decide on a comfortable monthly payment.
    • Remember: A larger deposit typically means lower monthly payments.
  6. Examine the Terms:

    • Understand any mileage limits, especially relevant for PCP or leasing deals.
    • Ensure you're aware of any fees or penalties for early repayment or exceeding agreed mileage.
  7. Negotiate:

    • Use your research to negotiate the price of the car and the terms of the finance deal.
    • It's not just about the monthly payment; consider the total amount repayable.
  8. Close the Deal:

    • Once satisfied, complete the required paperwork.
    • Make sure you understand all terms and conditions before signing.
    • Retain a copy of the agreement.
  9. Insurance:

    • Ensure you have car insurance in place before taking the vehicle.
    • Consider GAP insurance, which covers the difference between the outstanding finance and the car’s insurance valuation if it gets written off or stolen.
  10. End of Agreement Choices:

  • For PCP: Decide to make the balloon payment, return the vehicle, or enter a new agreement.
  • For HP: The vehicle is yours once you've made the final payment.
  • For leases: Ensure the car meets the return conditions to avoid penalties.
  1. Remember Additional Costs:
  • Consider road tax, maintenance, MOT (after the third year), and fuel.
  • For lease or PCP deals, be aware of potential charges for wear and tear that exceeds the agreed-upon limits.

Always ensure that any finance agreement aligns with your financial situation and long-term plans. If uncertain, seek advice from independent financial advisors or professionals before committing.

About the Skoda Kodiaq

When one thinks of an SUV that harmoniously combines style, practicality, and value, the Škoda Kodiaq often comes to mind. A relatively new entrant to the car scene, the Kodiaq has already made substantial inroads in the UK's SUV landscape.

Origins and Evolution: The Kodiaq's journey began in 2016, marking Škoda's ambitious foray into the large SUV domain. Named after the Kodiak bear from Alaska, this vehicle mirrored its namesake's strength and presence. From its initial unveiling, it was clear: Škoda was not just introducing an SUV; they were setting a new benchmark for what's expected in this segment.

Tailored for the British Climate and Roads: Designed with adaptability in mind, the Kodiaq navigates the diverse British terrains with ease. Whether it’s the rain-soaked streets of Manchester or the snowy roads of the North, the Kodiaq’s dynamic chassis control ensures stability. Its spacious interiors, capable of seating up to seven, makes it an ideal choice for families across Britain.

Facing the Competition: In a segment teeming with contenders like the Kia Sorento, Nissan X-Trail, and Peugeot 5008, the Kodiaq holds its own, thanks largely to its blend of functionality, premium feel, and competitive pricing. The signature Škoda 'Simply Clever' features further differentiate it, offering practical solutions that everyday drivers appreciate.

Final Thoughts: The Škoda Kodiaq is a testament to the brand's capability to craft a vehicle that resonates with the needs and desires of the modern UK driver. With its perfect blend of luxury, performance, and affordability, especially when considered with finance options, the Kodiaq stands as a compelling choice for those venturing into the SUV segment.

Skoda Kodiaq Data by County

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

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,511£24,663439,4472,726
Aberdeen City14£25,056332,97823
Aberdeenshire2£26,495418,5177
Angus1£15,995759,855-
Antrim2£21,874350,9378
Ards3£22,813448,4653
Argyll and Bute1£10,479882,000-
Armagh1£22,850679,5771
Ballymena13£27,533337,13812
Ballymoney2£16,750876,8032
Barnet - Greater London1£13,3758101,9172
Bedfordshire20£22,910456,05927
Belfast14£29,160230,25221
Berkshire40£32,603113,38796
Blaenau Gwent1£21,995444,0001
Bristol24£23,883440,05539
Bromley - Greater London6£21,634544,6666
Buckinghamshire22£23,369453,41724
Cambridgeshire47£21,684555,36781
Cardiff6£27,228325,24617
Carrickfergus1£20,999868,5231
Cheshire54£25,887431,00579
City of Edinburgh24£26,802326,96632
City of London - Greater London21£31,322213,30939
Coleraine3£17,131671,793-
Conwy1£15,995964,000-
Cookstown6£25,928236,9946
Cornwall5£27,635428,9885
County Durham18£25,018434,91353
Craigavon5£23,059440,2163
Croydon - Greater London14£29,844212,37227
Cumbria3£24,227334,2426
Derbyshire43£26,142325,12264
Derry4£25,147661,6404
Devon24£27,400331,48445
Dorset21£24,982330,94427
Dumfries and Galloway9£30,332222,98110
Dundee City6£27,160327,70328
Dungannon13£25,938441,34919
East Ayrshire1£25,498418,1301
East Lothian1£13,499764,676-
East Riding of Yorkshire3£20,365647,8616
East Sussex5£25,328325,8539
Enfield - Greater London5£25,259424,73610
Essex30£26,943328,66849
Fermanagh7£22,207562,6212
Fife6£21,003557,55616
Flintshire1£18,950759,678-
Glasgow City10£25,952335,60849
Gloucestershire13£29,580329,44435
Greater Manchester72£25,705330,266160
Hampshire67£26,073434,269122
Havering - Greater London6£17,011775,45419
Herefordshire4£22,991750,0139
Hertfordshire51£26,666327,53781
Highland10£27,235333,47513
Hillingdon - Greater London8£22,725549,02912
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent33£29,359221,57668
Kingston upon Thames - Greater London2£14,870771,000-
Lancashire42£25,013438,45293
Leicestershire32£23,233546,52751
Limavady5£22,084448,8001
Lincolnshire34£24,578437,83044
Lisburn8£21,264553,2049
Magherafelt3£24,162549,2472
Merseyside11£25,312327,13429
Moray2£28,497330,3732
Newport3£27,995338,1241
Newry and Mourne18£25,553348,27824
Newtownabbey8£31,011217,60317
Norfolk20£25,961332,57245
North Down1£23,495336,8503
North Lanarkshire4£23,496438,5555
North Yorkshire35£28,332325,57150
Northamptonshire17£28,176327,03954
Northumberland1£24,498441,6572
Nottinghamshire36£26,304327,97050
Omagh9£24,454454,72419
Oxfordshire18£30,729223,14038
Perth and Kinross12£26,465434,44922
Renfrewshire8£26,098431,85313
Shropshire13£26,131334,06210
Somerset33£25,305435,28855
South Ayrshire3£27,575229,62613
South Lanarkshire3£27,928214,62618
South Yorkshire36£26,406332,72765
Staffordshire27£26,286327,12233
Stirling6£34,74212,38517
Strabane6£26,806442,2535
Suffolk14£24,048439,43722
Surrey31£27,363220,99472
Tyne and Wear16£26,533332,10850
Warwickshire2£21,595537,9585
West Lothian1£30,498115,4337
West Midlands69£25,082333,938102
West Sussex23£27,837327,36238
West Yorkshire48£24,486433,831115
Wiltshire11£25,305436,66221
Worcestershire10£25,841429,65024
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