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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
All1,383£24,292440,9343,008
Aberdeen City12£28,181225,24826
Aberdeenshire2£26,745529,2175
Antrim1£20,249354,8486
Ards2£24,393435,5113
Armagh1£22,850679,5772
Ballymena9£28,758228,61915
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£12,9958101,9171
Bedfordshire26£23,410448,14730
Belfast16£27,733327,58622
Berkshire34£30,755216,380102
Blaenau Gwent1£20,995444,000-
Bristol20£24,369438,05853
Bromley - Greater London8£21,621444,6718
Buckinghamshire17£21,105564,60036
Cambridgeshire47£21,278554,58388
Cardiff7£27,395222,94915
Carrickfergus2£16,975881,7621
Ceredigion1£28,99528,9762
Cheshire51£25,326333,98796
City of Edinburgh13£29,710214,90237
City of London - Greater London17£30,962216,87542
Coleraine3£16,863671,7931
Cookstown6£25,345236,9944
Cornwall4£26,345425,9957
County Durham17£25,115330,88953
Craigavon2£21,580532,14410
Croydon - Greater London14£30,107212,00523
Cumbria6£22,262549,4789
Derbyshire29£24,774333,95285
Devon24£25,473439,00345
Dorset11£25,478324,82136
Down3£22,162448,8902
Dumfries and Galloway7£32,213219,91913
Dundee City7£29,023324,81624
Dungannon18£28,103443,07424
East Ayrshire1£24,998418,1302
East Riding of Yorkshire4£18,569662,7716
East Sussex4£24,002428,6059
Enfield - Greater London2£24,095425,31112
Essex34£27,878324,77549
Falkirk1£23,998439,4192
Fermanagh3£19,658685,5114
Fife6£20,497665,07415
Flintshire1£18,950759,678-
Glasgow City7£27,172332,89452
Gloucestershire17£27,167438,31434
Greater Manchester67£24,143439,825159
Gwynedd1£16,995652,000-
Hampshire60£27,292329,767139
Harrow - Greater London1£13,995990,154-
Havering - Greater London12£17,700668,67018
Herefordshire4£28,721631,2187
Hertfordshire48£24,259438,29695
Highland2£28,745423,51413
Hillingdon - Greater London6£23,381537,32411
Hounslow - Greater London1£24,495768,922-
Isle of Wight1£19,495737,740-
Kent29£29,966219,39274
Kingston upon Thames - Greater London1£15,750752,0001
Lancashire37£26,058334,646102
Leicestershire23£22,660445,38070
Limavady10£19,969656,6002
Lincolnshire27£26,617330,43452
Lisburn5£21,929557,96213
Magherafelt3£19,047794,3331
Merseyside9£23,525332,72631
Merthyr Tydfil1£16,999564,8691
Moray2£27,245550,5002
Newry and Mourne18£24,905450,99523
Newtownabbey5£26,318335,57518
Norfolk30£24,290443,48944
North Lanarkshire1£26,998320,5135
North Yorkshire26£28,821222,79458
Northamptonshire20£27,087337,43651
Northumberland2£18,492654,3124
Nottinghamshire30£26,688330,72164
Omagh7£26,899342,00118
Oxfordshire12£33,096110,39837
Perth and Kinross11£23,499436,96725
Renfrewshire7£28,534324,30818
Shropshire12£25,044436,79916
Somerset27£23,708436,92562
South Ayrshire3£28,254116,68614
South Lanarkshire4£27,095323,67416
South Yorkshire37£25,983330,46374
Staffordshire25£25,088330,71641
Stirling3£32,492219,08018
Strabane5£27,966334,1785
Suffolk20£26,178329,56325
Surrey22£28,769219,23175
Sutton - Greater London1£19,699367,000-
Tyne and Wear26£25,239440,14448
Warwickshire5£21,052635,1711
West Lothian5£20,837449,3835
West Midlands55£23,892437,852130
West Sussex22£26,806326,41437
West Yorkshire50£24,552433,768121
Wiltshire9£23,765541,13026
Worcestershire12£26,045335,35122
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