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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
All1,579£24,043440,0343,410
Aberdeenshire17£25,628437,89035
Angus6£27,628329,23819
Argyll & Bute1£20,979755,0001
Ayrshire6£25,983221,06118
Bedfordshire21£21,797448,56436
Berkshire27£29,501219,63487
Blaenau Gwent2£20,945655,9277
Borders1£13,149878,433-
Bristol10£23,930436,90856
Buckinghamshire10£24,453435,87840
Cambridgeshire41£21,546452,76596
Cardiff16£23,158433,56224
Carmarthenshire1£25,990233,000-
Ceredigion2£23,995533,4881
Cheshire50£26,272329,62697
Conwy5£25,750334,70817
Cornwall9£28,556223,48816
County Antrim33£26,698336,78565
County Armagh21£23,918455,28232
County Down16£21,866447,92423
County Durham20£26,365328,16749
County Fermanagh6£21,977562,0544
County Londonderry20£18,647672,70616
County Tyrone44£25,851448,55152
Cumbria3£26,328324,93814
Derbyshire28£23,582437,78391
Devon22£22,487449,12151
Dorset21£24,446429,25430
Dumfries & Galloway4£31,649220,65312
East Riding of Yorkshire13£25,918328,60326
East Sussex7£20,108546,77215
Essex46£25,098335,72670
Fife9£19,786567,38715
Flintshire1£20,495545,8001
Gloucestershire13£24,347452,96153
Greater London91£22,505443,050159
Greater Manchester71£24,070436,845146
Gwynedd1£16,495652,000-
Hampshire57£25,930335,805136
Herefordshire4£28,674631,2183
Hertfordshire41£24,050440,753110
Highland6£25,978328,81513
Isle of Wight1£19,495737,740-
Kent63£27,098328,340139
Lanarkshire25£27,251227,47655
Lancashire33£29,052325,732108
Leicestershire25£24,568334,96363
Lincolnshire32£25,627430,41759
Merseyside16£23,553334,65138
Merthyr Tydfil2£20,825443,9691
Midlothian15£29,208215,00241
Monmouthshire1£11,4959101,000-
Moray2£27,245550,5003
Newport12£24,832326,68525
Norfolk32£24,209438,53848
North Yorkshire28£27,855330,26455
Northamptonshire20£26,369337,48744
Northumberland3£22,664437,04420
Nottinghamshire29£24,743432,25676
Oxfordshire18£25,052342,79836
Perth & Kinross17£23,723335,93523
Renfrewshire6£25,248437,99517
Shropshire6£26,658337,60319
Somerset28£25,528329,47065
South Yorkshire36£25,587431,16183
Staffordshire31£24,433328,70158
Stirling4£29,495218,80516
Suffolk25£27,674327,36643
Surrey27£27,800327,33998
Swansea7£27,156225,44814
Torfaen1£13,3959102,8313
Tyne and Wear31£22,854545,38554
Vale of Glamorgan2£18,698446,2162
Warwickshire15£21,255537,07911
West Lothian5£22,995543,1739
West Midlands56£25,183334,560132
West Sussex24£23,680436,82246
West Yorkshire52£25,490335,148119
Wiltshire9£24,077439,34027
Worcestershire16£23,906446,65223
Wrexham1£14,995982,7181
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