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Used Skoda Kodiaq 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.

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
All860£25,273437,0922,380
Aberdeen City7£26,379426,30615
Aberdeenshire2£30,995421,7254
Antrim1£18,495672,901-
Ards3£28,495316,3562
Ballymena2£20,973678,0001
Banbridge1£21,495547,0001
Bedfordshire24£27,072327,29841
Belfast5£24,894438,7199
Berkshire23£32,662211,58272
Bristol17£22,604546,03034
Bromley - Greater London2£19,745572,0841
Buckinghamshire10£29,648330,34322
Cambridgeshire27£22,443445,52762
Cardiff1£39,99511,69616
Cheshire27£27,275429,28893
City of Edinburgh13£28,990322,75119
City of London - Greater London38£28,140327,469123
Coleraine1£24,995258,0001
Conwy5£32,600217,3156
Cornwall3£35,327319,10910
County Durham6£25,952444,41127
Craigavon3£23,316547,3683
Croydon - Greater London5£23,595538,83732
Cumbria1£24,995325,1884
Derbyshire18£24,796434,67349
Devon9£26,313433,59833
Dorset6£23,594530,48511
Down1£18,995427,0005
Dundee City8£25,499323,32118
Dungannon2£23,493546,000-
Ealing - Greater London1£20,000589,2591
East Ayrshire2£24,498532,2739
East Dunbartonshire1£22,298550,608-
East Riding of Yorkshire5£26,579220,3719
East Sussex3£34,316112,15013
Enfield - Greater London2£20,575441,783-
Essex19£24,858427,55866
Falkirk1£24,498612,799-
Fermanagh1£15,9956108,0001
Fife6£27,246440,60814
Glasgow City3£34,329114,53045
Gloucestershire10£30,519217,78727
Greater Manchester32£28,540326,931119
Hampshire31£26,832327,658130
Harrow - Greater London1£18,990544,3446
Havering - Greater London1£21,975349,3692
Hertfordshire21£29,192319,63267
Highland5£27,996439,6618
Hillingdon - Greater London1£16,451670,833-
Inverclyde1£24,298516,5253
Kent42£27,774326,383119
Kingston upon Thames - Greater London1£18,590757,4001
Lancashire30£25,730432,19777
Leicestershire11£23,278442,64128
Lincolnshire6£21,706538,13022
Magherafelt5£22,926670,560-
Merseyside16£27,479326,73823
Merthyr Tydfil1£23,960584,827-
Newport8£27,444218,25016
Newry and Mourne1£21,888340,7404
Newtownabbey2£22,495431,40910
Norfolk11£29,343219,11432
North Lanarkshire1£24,498423,5806
North Yorkshire21£23,872430,70437
Northamptonshire11£26,813330,43841
Northumberland1£19,498629,7912
Nottinghamshire9£29,178328,44346
Omagh2£21,175672,8844
Oxfordshire11£25,681439,09943
Perth and Kinross5£29,000216,80219
Powys2£16,893691,258-
Renfrewshire9£32,976213,50713
Shropshire2£20,397541,8034
Somerset27£26,943327,71751
South Ayrshire4£23,471546,9987
South Yorkshire23£25,917432,86474
Staffordshire16£26,518425,64333
Stirling8£24,191438,77816
Suffolk16£26,133431,88436
Surrey14£23,665437,87734
Swansea9£26,967328,81720
Tyne and Wear12£25,096443,00747
Waltham Forest - Greater London3£21,573441,2061
Warwickshire2£31,079215,92515
West Dunbartonshire1£23,995661,0793
West Lothian1£20,498652,6642
West Midlands28£26,833330,79583
West Sussex25£23,971438,27947
West Yorkshire29£25,437424,28576
Wiltshire5£22,696444,37820
Worcestershire11£28,515223,46234
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