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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
All1,526£25,046439,2482,884
Aberdeen City13£26,756329,21626
Aberdeenshire1£27,995529,0338
Angus1£15,995759,855-
Antrim2£22,195350,9379
Ards3£22,813448,4654
Argyll and Bute1£10,479882,000-
Armagh1£22,850679,5772
Ballymena12£24,643443,56911
Ballymoney1£15,750981,8372
Barnet - Greater London1£12,9958101,9172
Bedfordshire22£22,657455,47429
Belfast13£29,008231,84423
Berkshire37£29,836222,115101
Blaenau Gwent1£21,995444,0001
Bristol21£23,919441,94642
Bromley - Greater London6£21,605443,7935
Buckinghamshire18£25,279446,81630
Cambridgeshire52£22,674450,79186
Cardiff5£26,135323,75220
Carrickfergus2£20,475771,285-
Cheshire55£26,131430,42482
City of Edinburgh22£26,261428,43336
City of London - Greater London19£31,611213,99946
Coleraine3£17,198671,793-
Conwy1£15,995964,000-
Cookstown6£25,928236,9946
Cornwall5£26,395426,9854
County Durham19£26,275429,28360
Craigavon4£22,558445,7564
Croydon - Greater London10£30,54228,40130
Cumbria3£24,281334,2426
Derbyshire45£26,564326,72771
Derry4£25,147661,6404
Devon27£26,891331,40244
Dorset19£24,923331,59031
Dumfries and Galloway8£31,249221,03810
Dundee City6£27,159324,20631
Dungannon14£25,531444,09919
East Ayrshire1£25,998418,1301
East Riding of Yorkshire4£23,818538,5325
East Sussex5£25,502325,85311
Enfield - Greater London7£27,141319,4939
Essex31£26,163434,27249
Fermanagh6£23,076558,6062
Fife5£21,804548,26816
Flintshire1£18,950759,678-
Glasgow City9£25,985337,36549
Gloucestershire17£28,625330,08936
Greater Manchester80£25,193433,084159
Hampshire71£27,378333,641127
Havering - Greater London11£18,731660,74616
Herefordshire4£22,991750,01310
Hertfordshire53£27,238326,85995
Highland8£29,270328,58316
Hillingdon - Greater London9£23,210546,50411
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent33£30,115219,94475
Kingston upon Thames - Greater London1£13,990790,000-
Lancashire43£24,511437,93490
Leicestershire30£23,270543,46550
Limavady3£21,143556,0002
Lincolnshire32£23,585441,45746
Lisburn10£21,111557,1537
Magherafelt3£24,162549,2472
Merseyside13£26,951226,67633
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport2£26,995338,0152
Newry and Mourne19£26,081343,11023
Newtownabbey7£30,448217,83218
Norfolk23£25,200436,75049
North Down2£24,998329,8113
North Lanarkshire1£26,299628,5056
North Yorkshire35£28,165328,28056
Northamptonshire17£27,790329,70761
Northumberland1£24,498441,6573
Nottinghamshire38£26,714326,45055
Omagh8£27,056241,74221
Oxfordshire21£29,947224,82337
Perth and Kinross13£25,629435,77021
Renfrewshire7£26,526435,13011
Shropshire11£26,270333,55611
Somerset34£24,615438,67557
South Ayrshire3£27,575229,62616
South Lanarkshire4£27,945221,74620
South Yorkshire35£25,893334,40770
Staffordshire24£25,678330,32937
Stirling8£33,98014,16917
Strabane6£26,806442,2538
Suffolk15£24,299438,27119
Surrey26£27,603322,47175
Tyne and Wear18£26,158333,78451
Warwickshire2£21,595537,9585
West Lothian2£26,997441,2176
West Midlands72£25,630330,547107
West Sussex26£26,620329,32634
West Yorkshire49£24,517434,876126
Wiltshire9£26,337431,79427
Worcestershire10£24,627434,64628
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