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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
All1,588£24,741440,4503,034
Aberdeen City17£27,152331,41028
Aberdeenshire3£29,828435,1276
Angus1£16,795759,8554
Antrim4£20,707670,44324
Ards2£24,745436,9974
Argyll and Bute1£10,479882,0001
Armagh2£21,400787,7892
Ballymena11£28,188333,0906
Ballymoney3£20,530770,9406
Banbridge2£15,948867,5005
Barking & Dagenham - Greater London1£14,507873,0123
Barnet - Greater London6£21,476550,76014
Bedfordshire20£22,152556,62728
Belfast14£27,427331,91721
Berkshire37£31,712219,438110
Blaenau Gwent2£25,497429,9891
Bristol21£26,084432,27042
Bromley - Greater London7£23,236443,8524
Buckinghamshire16£25,661336,31439
Cambridgeshire67£22,383450,50567
Cardiff9£25,728435,72118
Carrickfergus1£20,999868,5231
Ceredigion1£21,993537,8641
Cheshire45£26,784429,68293
City of Edinburgh20£28,359321,66142
City of London - Greater London38£24,256437,63270
Coleraine2£19,348569,8732
Cookstown4£27,965336,4614
Cornwall10£26,806435,3326
County Durham25£29,516319,74459
Craigavon4£23,532547,5185
Croydon - Greater London14£29,755220,00939
Cumbria2£21,773644,4693
Derbyshire30£25,457430,15482
Derry8£20,413770,6264
Devon28£27,190329,85140
Dorset13£24,011440,58844
Dumfries and Galloway8£32,041220,10911
Dundee City16£28,054427,41319
Dungannon11£23,660451,67814
East Ayrshire1£26,998418,1304
East Riding of Yorkshire15£26,855329,81314
East Sussex4£27,436317,86819
Enfield - Greater London4£31,334221,2268
Essex28£25,664434,27260
Falkirk1£17,955558,9626
Fermanagh6£23,576558,6063
Fife8£25,108431,25822
Flintshire2£18,223755,4241
Glasgow City22£24,800330,62158
Gloucestershire18£26,927436,89849
Greater Manchester74£25,682432,724161
Hampshire86£27,958335,411135
Havering - Greater London2£21,878768,3174
Herefordshire2£21,593845,23610
Hertfordshire38£26,559329,47497
Highland9£30,784226,40517
Hillingdon - Greater London7£25,277431,59811
Hounslow - Greater London1£24,495768,9222
Isle of Wight1£19,495737,7401
Kent49£29,828220,219102
Lancashire38£24,047437,60980
Leicestershire30£21,084555,43744
Lincolnshire25£22,206448,33948
Lisburn6£23,385452,6498
Magherafelt4£22,309655,1852
Merseyside19£25,226328,75132
Merthyr Tydfil1£17,499564,8692
Midlothian1£49,0000100-
Moray2£26,995550,0002
Newport4£20,570667,0212
Newry and Mourne15£27,378341,24722
Newtownabbey10£27,267324,06818
Norfolk25£23,964442,72144
North Down2£25,748329,8113
North Lanarkshire4£23,421440,6937
North Yorkshire27£27,675431,41146
Northamptonshire30£28,600330,32257
Nottinghamshire32£25,614434,99957
Omagh7£22,148467,92023
Oxfordshire21£29,797326,98142
Pembrokeshire1£26,499316,123-
Perth and Kinross12£26,191431,19116
Powys1£15,990966,9472
Renfrewshire8£27,544329,00213
Rhondda Cynon Taf1£18,490763,459-
Richmond upon Thames - Greater London1£14,985857,691-
Shropshire6£26,651327,12826
Somerset35£27,015334,77055
South Ayrshire5£27,464227,73812
South Yorkshire36£24,917435,01759
Staffordshire22£24,274433,73350
Stirling8£28,469319,11123
Strabane5£24,605450,16812
Suffolk27£27,362328,09235
Surrey30£25,069434,70569
Swansea6£32,433211,7527
Tyne and Wear21£23,838435,90639
Warwickshire1£17,099647,0009
West Midlands54£25,543332,607115
West Sussex21£28,987323,46839
West Yorkshire58£24,218435,678104
Wiltshire12£24,063442,19526
Worcestershire10£25,402429,34328
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