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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
All1,349£24,789439,5803,034
Aberdeen City12£28,988222,64827
Aberdeenshire1£27,495529,0336
Antrim1£20,449354,8486
Ards2£24,643435,5114
Armagh2£22,900667,0041
Ballymena9£28,758228,61915
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£12,9958101,9172
Bedfordshire24£24,187445,50332
Belfast16£27,770332,81724
Berkshire41£31,698114,25893
Blaenau Gwent1£20,995444,0001
Bristol20£24,590439,25952
Bromley - Greater London7£20,870546,3389
Buckinghamshire19£20,933565,83434
Cambridgeshire47£21,621453,80588
Cardiff7£27,395222,94915
Carrickfergus2£16,975881,7621
Ceredigion1£28,99528,9762
Cheshire51£25,057434,50694
City of Edinburgh12£28,723215,15940
City of London - Greater London15£30,572217,18544
Coleraine3£16,863671,793-
Cookstown6£25,345236,9944
Cornwall4£26,345425,9957
County Durham17£25,305330,37852
Craigavon3£23,052432,4489
Croydon - Greater London14£30,109211,28523
Cumbria5£23,996541,9087
Derbyshire33£25,387332,18084
Derry3£27,723563,3335
Devon25£25,792437,68846
Dorset12£25,479324,04138
Down2£22,995449,3352
Dumfries and Galloway6£33,999115,32213
Dundee City7£29,166324,81624
Dungannon15£28,480335,89024
East Ayrshire1£24,998418,1302
East Riding of Yorkshire5£18,346664,6826
East Sussex3£24,936322,7729
Enfield - Greater London4£24,736429,64210
Essex31£26,964328,03251
Falkirk1£23,998439,4193
Fermanagh4£19,118785,8113
Fife6£18,497773,39815
Flintshire1£18,950759,678-
Glasgow City6£27,547330,38451
Gloucestershire15£28,209336,37536
Greater Manchester67£23,894440,833165
Hampshire56£28,418329,999141
Havering - Greater London12£17,701668,67018
Herefordshire4£29,155631,2189
Hertfordshire43£24,918436,29195
Highland5£29,495328,42710
Hillingdon - Greater London6£23,452537,32411
Hounslow - Greater London1£24,495768,922-
Isle of Wight1£19,495737,740-
Kent27£30,333217,09277
Kingston upon Thames - Greater London1£15,750752,0001
Lancashire37£26,059334,723103
Leicestershire21£23,067547,92671
Limavady6£22,152446,5002
Lincolnshire27£26,560331,48354
Lisburn5£21,929557,96214
Magherafelt5£21,626670,3482
Merseyside8£24,316328,72531
Moray2£27,245550,5002
Newry and Mourne16£24,946450,98923
Newtownabbey6£26,447336,72117
Norfolk29£24,692442,49848
North Lanarkshire1£26,998320,5135
North Yorkshire28£28,620323,56458
Northamptonshire15£27,525335,02451
Northumberland2£18,495654,3124
Nottinghamshire31£25,377433,46961
Omagh7£27,542238,28018
Oxfordshire13£33,449110,25137
Perth and Kinross10£23,399437,76126
Renfrewshire9£27,559328,09417
Shropshire12£26,059330,10913
Somerset25£23,404438,36461
South Ayrshire3£28,254116,68614
South Lanarkshire4£27,145323,67417
South Yorkshire38£25,986330,82975
Staffordshire20£25,801328,55143
Stirling4£32,306215,28118
Strabane5£27,966334,1785
Suffolk19£26,495330,21325
Surrey19£28,720220,34278
Sutton - Greater London1£19,699367,000-
Tyne and Wear23£25,536438,29552
Warwickshire4£22,171534,9791
West Lothian3£18,564553,0475
West Midlands52£24,878334,675127
West Sussex21£27,372325,71839
West Yorkshire50£24,741434,112121
Wiltshire9£23,765541,13227
Worcestershire11£27,428331,13523
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