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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.

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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
All1,612£24,125439,3923,419
Aberdeenshire16£24,868439,59132
Angus8£25,606332,89918
Argyll & Bute1£20,979755,0001
Ayrshire6£25,793220,67319
Bedfordshire21£21,619448,56435
Berkshire36£28,623221,17482
Blaenau Gwent1£20,995444,0008
Borders1£13,149878,433-
Bristol8£21,793447,85657
Buckinghamshire12£25,822432,43441
Cambridgeshire44£21,297453,47883
Cardiff15£24,083428,77825
Carmarthenshire1£25,990233,000-
Ceredigion2£23,995533,488-
Cheshire50£26,972326,376102
Conwy7£30,250224,55415
Cornwall9£27,668326,64516
County Antrim33£26,298340,79664
County Armagh20£24,064453,82731
County Down16£20,998549,70125
County Durham23£25,562328,54746
County Fermanagh5£19,974672,5176
County Londonderry20£19,728669,27418
County Tyrone41£25,218449,67158
Cumbria5£24,352431,57813
Derbyshire34£23,773439,07693
Devon22£21,938452,94753
Dorset14£23,868424,67035
Dumfries & Galloway5£29,619326,12811
East Riding of Yorkshire12£23,986333,42227
East Sussex12£22,879439,99714
Essex46£25,235333,64176
Fife10£20,643567,03016
Flintshire1£20,495545,784-
Gloucestershire16£24,225449,40851
Greater London91£22,534442,008158
Greater Manchester61£23,696440,837153
Gwynedd1£16,495652,000-
Hampshire52£24,312440,427152
Herefordshire4£28,568631,2183
Hertfordshire42£26,226331,380116
Highland7£25,452331,71812
Isle of Wight1£19,495737,740-
Kent66£27,872226,947144
Lanarkshire27£26,474327,93952
Lancashire39£26,781329,640111
Leicestershire22£24,559335,66961
Lincolnshire29£25,470333,02765
Merseyside14£24,529328,95839
Merthyr Tydfil2£20,710443,9691
Midlothian13£28,903219,86544
Monmouthshire2£14,145877,500-
Moray2£27,245550,5003
Newport12£24,537327,30230
Norfolk24£23,814338,90654
North Yorkshire28£27,617330,16252
Northamptonshire19£25,052338,50637
Northumberland7£24,911329,96119
Nottinghamshire29£25,896331,33976
Oxfordshire24£26,640337,45834
Perth & Kinross15£25,546327,79825
Renfrewshire6£23,998544,01718
Shropshire5£27,591335,38919
Somerset23£27,057328,60262
South Yorkshire37£24,836431,05285
Staffordshire31£24,417328,91360
Stirling7£31,458212,33515
Suffolk28£27,681326,46940
Surrey34£28,710220,56695
Swansea6£26,333224,65714
Torfaen1£13,3959102,8313
Tyne and Wear30£22,236549,27254
Vale of Glamorgan2£18,698446,2162
Warwickshire13£22,180537,25815
West Lothian5£22,895543,1737
West Midlands60£24,490437,657125
West Sussex26£23,922436,48643
West Yorkshire62£24,893337,605101
Wiltshire10£25,283335,63524
Worcestershire19£24,188446,88423
Wrexham1£20,010668,0172
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