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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
All1,581£24,738439,9762,869
Aberdeen City17£27,169328,53127
Aberdeenshire1£27,995528,0009
Angus1£16,495759,855-
Antrim5£20,904572,30120
Ards1£23,995449,7265
Argyll and Bute1£10,479882,0001
Armagh2£21,400787,7892
Ballymena12£25,943440,89411
Ballymoney2£19,000772,5191
Barnet - Greater London1£13,7958101,9172
Bedfordshire26£22,029555,98924
Belfast14£28,186229,58821
Berkshire37£30,373221,067104
Blaenau Gwent2£25,497429,989-
Bristol19£24,675440,91341
Bromley - Greater London5£22,962343,1695
Buckinghamshire15£26,861331,07135
Cambridgeshire65£22,290452,23071
Cardiff6£24,595431,25918
Carrickfergus1£20,999868,5231
Ceredigion1£21,993537,8641
Cheshire48£26,916430,28486
City of Edinburgh20£27,073325,90839
City of London - Greater London22£31,353215,11651
Coleraine3£17,231671,7932
Cookstown1£27,995125,0156
Cornwall7£26,652434,4183
County Durham19£25,911328,14666
Craigavon5£24,855440,1126
Croydon - Greater London12£31,60316,84833
Cumbria1£18,750550,9375
Derbyshire45£25,622430,33078
Derry7£22,034668,5083
Devon28£26,785330,73938
Dorset11£24,678334,91934
Dumfries and Galloway6£31,999210,3038
Dundee City11£27,713323,87926
Dungannon12£21,967454,40117
East Ayrshire1£25,998418,1304
East Riding of Yorkshire4£25,868441,5044
East Sussex3£26,566318,65815
Enfield - Greater London6£28,697218,3309
Essex26£28,415326,08153
Falkirk1£17,955558,9625
Fermanagh6£23,393558,6063
Fife9£23,796542,67615
Flintshire1£18,950759,678-
Glasgow City16£24,191339,42248
Gloucestershire19£29,578329,28141
Greater Manchester75£25,387432,966159
Hampshire84£26,492437,304127
Havering - Greater London14£17,859663,80210
Herefordshire4£24,050635,5858
Hertfordshire53£27,267327,70898
Highland8£29,620325,76318
Hillingdon - Greater London7£22,350547,55811
Hounslow - Greater London1£24,495768,9222
Isle of Wight1£19,495737,740-
Kent34£30,823215,11673
Lancashire43£25,888434,32385
Leicestershire30£21,227553,63951
Limavady1£23,495339,0003
Lincolnshire34£23,017447,14840
Lisburn10£22,780555,1607
Magherafelt3£24,162549,2472
Merseyside20£27,493323,96325
Merthyr Tydfil1£16,999564,8692
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport2£20,647758,6042
Newry and Mourne20£26,644339,65624
Newtownabbey10£28,716319,30418
Norfolk25£24,892440,00844
North Down2£25,473329,8113
North Lanarkshire1£26,999328,2719
North Yorkshire30£28,684328,32651
Northamptonshire17£28,736331,49161
Northumberland1£23,499240,0004
Nottinghamshire36£25,870431,21150
Omagh10£23,448353,28523
Oxfordshire21£29,042329,46937
Perth and Kinross13£25,306336,59919
Renfrewshire8£24,485539,81714
Rhondda Cynon Taf1£18,490763,459-
Richmond upon Thames - Greater London1£14,985857,691-
Shropshire8£26,037331,80117
Somerset31£25,848436,87160
South Ayrshire6£28,787326,07111
South Lanarkshire5£27,555228,53816
South Yorkshire43£25,801330,41664
Staffordshire20£25,173329,33734
Stirling7£29,613213,64319
Strabane7£26,404345,53910
Suffolk19£24,577442,36121
Surrey41£26,952324,42873
Tyne and Wear22£24,388435,72941
Warwickshire1£17,099647,0006
West Lothian1£20,991451,9936
West Midlands62£25,575332,764109
West Sussex23£28,744323,21433
West Yorkshire57£24,122436,319113
Wiltshire11£22,789552,66826
Worcestershire9£24,121533,74432
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