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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
All1,524£25,300438,6342,833
Aberdeen City14£26,877327,50625
Aberdeenshire1£27,995529,0338
Angus1£15,995759,855-
Antrim3£21,396358,2558
Ards2£26,223435,5114
Argyll and Bute1£10,479882,000-
Armagh1£22,850679,5772
Ballymena10£23,844447,11012
Ballymoney2£13,825987,4871
Barnet - Greater London1£12,9958101,9172
Bedfordshire23£22,202456,81229
Belfast10£28,736333,43525
Berkshire34£29,967222,176100
Blaenau Gwent2£25,497430,489-
Bristol22£22,554447,04941
Bromley - Greater London5£22,958340,3345
Buckinghamshire13£27,038433,92333
Cambridgeshire49£21,756453,76485
Cardiff4£25,670323,30720
Carrickfergus2£20,475771,285-
Cheshire54£25,807432,52779
City of Edinburgh21£27,155324,07335
City of London - Greater London21£31,759213,47044
Coleraine3£17,198671,793-
Cookstown7£24,651341,5255
Cornwall5£26,395426,9854
County Durham19£26,700327,70558
Craigavon5£24,555440,1134
Croydon - Greater London12£30,60928,39028
Cumbria3£21,949549,5525
Derbyshire47£26,533326,59472
Derry4£25,147661,6404
Devon26£25,744435,69443
Dorset17£25,367332,83330
Down1£23,995756,0001
Dumfries and Galloway8£32,374216,5909
Dundee City5£28,593216,77331
Dungannon13£24,803447,48820
East Ayrshire1£25,998418,1301
East Riding of Yorkshire4£24,493542,3355
East Sussex5£25,673325,85312
Enfield - Greater London8£27,404318,7398
Essex31£27,084330,90149
Falkirk1£17,955558,9624
Fermanagh6£23,076558,6062
Fife7£24,385439,66114
Flintshire1£18,950759,678-
Glasgow City10£26,201339,15447
Gloucestershire19£27,754332,62235
Greater Manchester77£24,614434,439156
Hampshire72£26,632436,016128
Havering - Greater London12£17,692665,70314
Herefordshire2£30,840527,12810
Hertfordshire53£26,894328,49791
Highland8£29,270328,58316
Hillingdon - Greater London9£23,197546,50411
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent32£30,212219,50976
Lancashire45£24,916435,89485
Leicestershire29£22,489545,71449
Limavady2£24,243446,5003
Lincolnshire31£23,816440,99947
Lisburn11£21,855555,8866
Magherafelt3£24,162549,2472
Merseyside15£26,279327,97232
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport1£23,995561,4292
Newry and Mourne18£26,488341,33824
Newtownabbey10£30,870217,15415
Norfolk22£25,004440,21346
North Down2£24,998329,8113
North Lanarkshire1£25,495628,5056
North Yorkshire32£28,815325,51057
Northamptonshire19£27,388433,48060
Nottinghamshire37£26,589325,60955
Omagh7£26,649239,27621
Oxfordshire21£30,529223,43736
Perth and Kinross12£24,431438,31422
Renfrewshire6£27,148432,81311
Shropshire10£26,447334,48212
Somerset33£25,116437,03159
South Ayrshire4£28,986225,87317
South Lanarkshire5£28,155220,54219
South Yorkshire34£26,252332,64269
Staffordshire24£26,443327,05337
Stirling8£33,98014,16917
Strabane7£26,261345,5407
Suffolk17£25,440435,27418
Surrey32£26,690326,17168
Tyne and Wear21£26,584333,01848
Warwickshire1£16,699647,0005
West Lothian2£26,997441,2176
West Midlands73£25,668329,872106
West Sussex23£27,594324,73034
West Yorkshire51£24,783433,982124
Wiltshire11£25,616436,20425
Worcestershire10£25,309432,47927
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