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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£25,314438,6122,873
Aberdeen City13£26,795329,21626
Aberdeenshire1£27,995529,0338
Angus1£15,995759,855-
Antrim2£22,195350,9379
Ards2£26,223435,5114
Argyll and Bute1£10,479882,000-
Armagh1£22,850679,5772
Ballymena11£24,428444,80011
Ballymoney2£13,825987,4871
Barnet - Greater London1£12,9958101,9172
Bedfordshire23£22,202456,81229
Belfast12£28,328334,24824
Berkshire35£29,966221,929100
Blaenau Gwent1£21,995444,0001
Bristol22£23,644442,67043
Bromley - Greater London5£22,958340,3345
Buckinghamshire14£27,025331,96733
Cambridgeshire45£21,891454,07487
Cardiff4£25,670323,30720
Carrickfergus2£20,475771,285-
Cheshire53£26,216430,53782
City of Edinburgh23£26,558427,28735
City of London - Greater London20£31,799213,56845
Coleraine3£17,198671,793-
Cookstown7£24,651341,5255
Cornwall5£26,395426,9854
County Durham19£26,037429,22259
Craigavon5£24,498440,1134
Croydon - Greater London11£30,73817,95329
Cumbria4£22,836541,7335
Derbyshire46£26,568326,60873
Derry4£25,147661,6404
Devon28£26,596433,14543
Dorset17£25,279332,83330
Down1£23,995756,0001
Dumfries and Galloway7£31,713218,31410
Dundee City4£29,492213,53632
Dungannon13£24,803447,48820
East Ayrshire1£25,998418,1301
East Riding of Yorkshire5£22,593544,8514
East Sussex5£25,673325,85312
Enfield - Greater London8£27,404318,7398
Essex32£25,999434,48550
Fermanagh6£23,076558,6062
Fife6£24,336440,69815
Flintshire1£18,950759,678-
Glasgow City11£26,319337,50447
Gloucestershire19£27,754332,62235
Greater Manchester78£24,617435,236157
Hampshire71£27,127333,994131
Havering - Greater London13£17,926667,64914
Herefordshire3£26,223639,15510
Hertfordshire55£27,030327,53592
Highland8£29,270328,58316
Hillingdon - Greater London9£23,197546,50411
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent33£30,418219,09476
Lancashire43£24,589437,46688
Leicestershire30£22,837545,63050
Limavady2£24,243446,5003
Lincolnshire33£23,725440,76247
Lisburn11£21,855555,8236
Magherafelt3£24,162549,2472
Merseyside16£26,136328,73332
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport1£23,995561,4292
Newry and Mourne18£26,477341,33824
Newtownabbey9£30,758218,87916
Norfolk23£25,251439,12046
North Down2£24,998329,8113
North Lanarkshire1£25,495628,5056
North Yorkshire31£28,763325,97058
Northamptonshire18£27,512432,27060
Northumberland1£24,498441,6573
Nottinghamshire35£26,583326,22357
Omagh7£26,649239,27621
Oxfordshire19£30,380224,86438
Perth and Kinross12£24,431438,31422
Renfrewshire6£27,148432,81311
Shropshire10£26,428334,48212
Somerset33£25,115437,03159
South Ayrshire3£27,822229,62618
South Lanarkshire5£28,155220,54219
South Yorkshire35£26,048334,52270
Staffordshire24£26,416327,05337
Stirling8£33,98014,16917
Strabane7£26,261345,5407
Suffolk16£25,402436,08019
Surrey30£27,762322,32172
Tyne and Wear18£26,230333,78451
Warwickshire2£21,595537,9585
West Lothian2£26,997441,2176
West Midlands73£25,807329,643107
West Sussex25£26,681329,65034
West Yorkshire53£24,511434,928124
Wiltshire11£25,616436,22425
Worcestershire11£23,962436,25427
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