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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
All1,537£24,658439,9532,883
Aberdeen City15£25,888333,33025
Aberdeenshire1£27,995529,0338
Angus1£15,995759,855-
Antrim2£22,195350,9378
Ards3£22,813448,4654
Argyll and Bute1£10,479882,000-
Armagh1£22,850679,5772
Ballymena11£23,793447,20012
Ballymoney1£15,750981,8372
Barnet - Greater London1£12,9958101,9172
Bedfordshire22£22,654455,47729
Belfast13£29,008231,84422
Berkshire40£30,828219,735102
Blaenau Gwent1£21,995444,0001
Bristol24£24,370438,94240
Bromley - Greater London5£20,460449,0925
Buckinghamshire19£24,474452,12229
Cambridgeshire51£22,595451,26985
Cardiff5£26,135323,75220
Carrickfergus2£20,475771,285-
Cheshire54£26,097430,66483
City of Edinburgh21£26,321428,25937
City of London - Greater London20£31,594212,95746
Coleraine3£17,198671,793-
Conwy1£15,995964,000-
Cookstown6£25,928236,9946
Cornwall5£26,395426,9854
County Durham20£25,492432,18660
Craigavon5£23,117440,2164
Croydon - Greater London11£30,46528,55729
Cumbria3£24,281334,2426
Derbyshire44£26,133325,82573
Derry4£25,147661,6404
Devon26£26,654433,56546
Dorset19£24,876331,59031
Dumfries and Galloway8£31,249221,03810
Dundee City6£27,159324,20631
Dungannon15£25,526444,54118
East Ayrshire1£25,498418,1301
East Lothian1£13,499764,676-
East Riding of Yorkshire5£23,354537,6255
East Sussex5£25,502325,85310
Enfield - Greater London7£27,141319,4939
Essex32£27,163328,31751
Fermanagh6£23,076558,6062
Fife5£21,704548,26816
Flintshire1£18,950759,678-
Glasgow City9£25,985337,36549
Gloucestershire18£28,232330,53334
Greater Manchester82£25,022433,156159
Hampshire70£27,166334,329126
Havering - Greater London11£18,647660,74616
Herefordshire4£22,991750,01310
Hertfordshire54£26,749328,26896
Highland8£29,270328,58316
Hillingdon - Greater London9£23,210546,50411
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent30£30,627218,39478
Kingston upon Thames - Greater London1£13,990790,000-
Lancashire42£24,881436,30392
Leicestershire30£23,153543,66552
Limavady3£21,143556,0002
Lincolnshire34£23,467441,32742
Lisburn9£21,234556,8488
Magherafelt3£24,162549,2472
Merseyside14£26,368326,77032
Moray2£26,995550,0001
Newport2£26,995338,0152
Newry and Mourne20£26,227343,29722
Newtownabbey7£30,448217,83218
Norfolk24£25,049437,71949
North Down2£24,998329,8113
North Lanarkshire1£26,299628,5056
North Yorkshire35£28,083328,28056
Northamptonshire16£27,838328,65760
Northumberland1£24,498441,6573
Nottinghamshire38£26,608326,45053
Omagh8£27,056241,74221
Oxfordshire19£30,085225,03738
Perth and Kinross13£25,552435,77021
Renfrewshire8£25,460437,86911
Shropshire13£26,551332,64511
Somerset34£24,849437,72558
South Ayrshire3£27,575229,62616
South Lanarkshire4£27,945221,74619
South Yorkshire34£25,684335,05170
Staffordshire26£25,799329,31337
Stirling8£33,98014,16917
Strabane6£26,806442,2538
Suffolk16£25,047436,87619
Surrey28£27,725321,23576
Tyne and Wear18£25,991335,35052
Warwickshire2£21,595537,9585
West Lothian2£26,997441,2176
West Midlands71£25,494330,683105
West Sussex23£27,577326,85934
West Yorkshire47£24,606434,503128
Wiltshire10£25,252436,55226
Worcestershire10£24,627434,64628
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