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Used Skoda Kodiaq on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

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
All839£42,573435,1962,324
Aberdeen City6£25,958427,70211
Aberdeenshire3£32,995320,7872
Antrim1£17,995672,9012
Ballymena2£17,463677,391-
Ballymoney3£19,528549,2042
Banbridge1£19,450562,000-
Bedfordshire13£28,132328,68451
Belfast1£18,499763,8002
Berkshire33£31,524214,36483
Bristol17£23,408440,82634
Buckinghamshire6£24,307341,71122
Cambridgeshire29£23,413444,20052
Cardiff6£26,162325,6429
Ceredigion2£25,993526,0301
Cheshire38£26,199428,79290
City of Edinburgh6£26,774326,91123
City of London - Greater London42£25,522332,983126
Cornwall3£30,628218,41811
County Durham9£23,989438,13827
Craigavon2£20,897441,4332
Croydon - Greater London10£28,580318,48530
Derbyshire16£23,060434,70851
Devon7£25,263442,61242
Dorset5£21,775544,59212
Down2£18,845441,0985
Dundee City5£25,950429,05716
Dungannon1£25,995430,3231
East Ayrshire2£27,498429,4377
East Riding of Yorkshire6£26,426318,44411
East Sussex7£27,871323,0209
Essex32£24,439434,68658
Falkirk1£24,4980--
Fermanagh1£15,9956108,0002
Fife8£28,024434,3548
Glasgow City5£20,596532,34838
Gloucestershire9£31,043318,97228
Greater Manchester42£27,207328,296102
Hammersmith & Fulham - Greater London1£23,250542,800-
Hampshire39£1,519,385432,434110
Harrow - Greater London1£19,490433,4824
Havering - Greater London1£22,332349,3692
Hertfordshire25£28,383219,54663
Highland5£28,797322,2058
Hillingdon - Greater London1£16,751670,8331
Inverclyde1£24,298516,5251
Isle of Anglesey1£17,999652,000-
Kent35£28,844322,022124
Lancashire22£24,512437,75680
Leicestershire11£27,880333,09929
Lincolnshire5£23,962429,16329
Lisburn1£20,74542183
Magherafelt5£22,926670,5601
Merseyside10£24,955431,42229
Newport4£23,775428,87918
Newry and Mourne3£27,929323,7942
Newtownabbey3£20,496550,6289
Norfolk3£27,890212,18244
North Lanarkshire1£25,498535,8462
North Yorkshire21£24,917430,03039
Northamptonshire6£33,083110,35539
Nottinghamshire17£29,400323,67244
Omagh3£28,267451,9784
Oxfordshire15£26,847331,47044
Perth and Kinross7£21,487536,65312
Powys2£16,893691,2581
Renfrewshire3£29,998416,50215
Richmond upon Thames - Greater London1£23,850530,3621
Shropshire1£16,999463,8065
Somerset18£26,597432,10355
South Yorkshire21£25,381435,55266
Staffordshire7£23,748435,27836
Stirling8£29,478325,36014
Strabane2£29,973336,4501
Suffolk16£28,046327,33738
Surrey21£23,999434,87537
Swansea10£23,479426,13622
Tyne and Wear13£27,111332,84744
Warwickshire4£29,254214,81117
West Dunbartonshire3£23,664541,5201
West Midlands23£23,648434,40989
West Sussex15£23,951438,50543
West Yorkshire25£23,351424,23072
Wiltshire7£23,910540,14119
Worcestershire10£26,809325,72537
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