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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
All1,377£24,800439,9543,026
Aberdeen City12£29,243223,38926
Aberdeenshire1£27,495529,0338
Ards2£24,643435,5114
Armagh2£22,900667,0041
Ballymena10£27,292334,37414
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£12,9958101,9172
Bedfordshire24£24,452345,69034
Belfast15£27,861332,79425
Berkshire40£31,948113,59894
Blaenau Gwent1£20,995444,0001
Bristol23£24,673435,85449
Bromley - Greater London7£21,116546,3389
Buckinghamshire20£21,290563,68833
Cambridgeshire47£22,158451,98889
Cardiff7£27,395222,94916
Carrickfergus2£16,975881,7621
Ceredigion1£28,99528,9762
Cheshire55£25,028433,93591
City of Edinburgh13£28,632218,05739
City of London - Greater London15£31,707214,75146
Coleraine3£16,863671,793-
Cookstown6£25,345236,9944
Cornwall4£26,345425,9957
County Durham18£24,735433,19152
Craigavon4£21,045549,7637
Croydon - Greater London12£30,226211,58626
Cumbria5£24,096541,8047
Derbyshire35£25,896332,28581
Derry3£27,723563,3335
Devon26£26,158437,38447
Dorset12£25,221325,07738
Down2£22,995449,3352
Dumfries and Galloway7£32,542221,41112
Dundee City7£29,166324,81624
Dungannon14£28,658336,49424
East Ayrshire3£24,498431,908-
East Riding of Yorkshire5£18,406664,6826
East Sussex3£24,936322,7729
Enfield - Greater London4£24,736429,64210
Essex31£26,965327,56550
Falkirk1£23,998439,4193
Fermanagh4£19,118785,8113
Fife6£18,497773,39816
Flintshire1£18,950759,678-
Glasgow City7£26,754333,18152
Gloucestershire16£27,502338,91736
Greater Manchester69£24,102440,446169
Hampshire56£27,786332,087142
Havering - Greater London12£18,520664,14017
Herefordshire4£29,155631,2189
Hertfordshire43£24,504436,89295
Highland6£29,412325,40012
Hillingdon - Greater London6£23,452537,32411
Hounslow - Greater London1£24,495768,922-
Isle of Wight1£19,495737,740-
Kent31£30,122217,81975
Kingston upon Thames - Greater London1£15,750752,0001
Lancashire39£27,215333,376105
Leicestershire24£22,892547,14570
Limavady6£22,402446,5002
Lincolnshire25£26,329332,30056
Lisburn4£20,690566,48914
Magherafelt5£21,626670,3482
Merseyside7£24,940327,59934
Moray2£27,245550,5002
Newry and Mourne16£25,049450,98923
Newtownabbey5£26,377335,57517
Norfolk29£25,372438,63946
North Yorkshire32£27,907325,96255
Northamptonshire16£26,992435,86152
Northumberland2£18,510654,3124
Nottinghamshire33£25,932331,31160
Omagh6£27,141243,51218
Oxfordshire14£33,702110,02437
Perth and Kinross9£23,665437,74325
Renfrewshire9£27,254429,86017
Shropshire13£25,563333,18912
Somerset28£24,026436,37961
South Ayrshire5£27,537324,95212
South Lanarkshire3£29,695112,08919
South Yorkshire39£25,356335,16872
Staffordshire19£26,341325,90543
Stirling2£32,37313,66518
Strabane5£27,966334,1785
Suffolk18£25,911434,73526
Surrey17£29,097219,38081
Sutton - Greater London1£19,699367,000-
Tyne and Wear22£24,830440,03553
Warwickshire4£22,171534,9791
West Lothian2£19,597547,5146
West Midlands56£24,814334,297126
West Sussex22£27,306326,27740
West Yorkshire47£25,398429,860121
Wiltshire11£23,498540,83025
Worcestershire11£27,428330,88125
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