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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
All1,563£24,893439,7172,599
Aberdeen City16£26,111333,04823
Aberdeenshire1£27,995528,0008
Angus1£16,495759,855-
Antrim4£21,724356,9027
Ards2£26,242435,5114
Argyll and Bute1£10,479882,000-
Armagh2£21,400787,7891
Ballymena12£25,659440,8949
Ballymoney2£13,825987,4871
Barnet - Greater London1£12,9958101,9172
Bedfordshire24£20,912560,41726
Belfast13£28,147333,41322
Berkshire33£30,304219,69796
Blaenau Gwent2£25,497429,989-
Bristol22£23,015444,04037
Bromley - Greater London5£23,086340,3345
Buckinghamshire17£25,953332,60628
Cambridgeshire54£22,393452,64674
Cardiff6£25,445324,23618
Carrickfergus2£20,475771,285-
Cheshire52£25,258434,91774
City of Edinburgh20£26,888324,87133
City of London - Greater London25£32,181213,47541
Coleraine3£17,198671,793-
Cookstown6£25,928233,1075
Cornwall5£26,795426,9854
County Durham23£26,302429,79653
Craigavon5£24,692440,1134
Croydon - Greater London12£31,58416,41427
Cumbria2£18,259757,5715
Derbyshire52£26,525327,74965
Derry5£23,104668,3123
Devon25£26,752431,74541
Dorset14£25,211333,58529
Down1£23,995756,0001
Dumfries and Galloway11£30,908216,3776
Dundee City8£28,856321,48529
Dungannon14£22,875449,09918
East Ayrshire1£25,998418,1301
East Riding of Yorkshire4£23,868538,5323
East Sussex5£25,897325,85312
Enfield - Greater London8£28,428316,8177
Essex30£27,179330,11647
Falkirk1£17,955558,9624
Fermanagh6£23,143558,6062
Fife9£23,965537,84012
Flintshire1£18,950759,678-
Glasgow City14£25,740338,73941
Gloucestershire21£27,719331,02932
Greater Manchester76£24,227436,266144
Hampshire73£26,944335,070118
Havering - Greater London11£18,293657,09713
Herefordshire4£24,105635,5858
Hertfordshire50£27,559326,36884
Highland9£28,851327,45515
Hillingdon - Greater London9£22,233550,0319
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent27£30,049221,38072
Lancashire50£25,103435,11677
Leicestershire29£20,864552,27845
Limavady1£23,495339,0003
Lincolnshire33£22,440446,72441
Lisburn12£22,324553,0655
Magherafelt3£24,162549,2472
Merseyside17£26,522328,67628
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport1£23,995561,4292
Newry and Mourne18£26,166343,39824
Newtownabbey9£29,996218,26015
Norfolk25£24,603441,85142
North Down2£25,323329,8113
North Yorkshire35£27,819328,50550
Northamptonshire17£29,037326,98058
Northumberland1£15,000880,0002
Nottinghamshire36£26,544326,81248
Omagh9£24,599351,17519
Oxfordshire21£29,425329,54133
Perth and Kinross12£24,186437,56820
Renfrewshire7£25,698436,89510
Shropshire5£26,295338,53912
Somerset32£25,019436,82856
South Ayrshire6£29,184217,60914
South Lanarkshire6£27,212319,78518
South Yorkshire38£25,889331,24961
Staffordshire23£25,693328,08035
Stirling8£31,00729,31514
Strabane7£26,261345,5397
Suffolk19£24,580442,10116
Surrey35£26,682326,55462
Tyne and Wear18£26,053432,49445
Warwickshire1£16,699647,0005
West Lothian1£22,495767,0006
West Midlands74£25,439331,60195
West Sussex18£29,223324,48933
West Yorkshire47£25,083330,743118
Wiltshire12£26,841331,84722
Worcestershire8£26,403329,07828
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