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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
All1,582£24,910439,5962,623
Aberdeen City16£26,080333,04823
Aberdeenshire1£27,995529,0338
Angus1£15,995759,855-
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£21,812458,25127
Belfast13£28,064333,41322
Berkshire36£30,198220,58396
Blaenau Gwent2£25,497429,989-
Bristol21£23,245443,93238
Bromley - Greater London5£23,086340,3345
Buckinghamshire16£26,490333,00829
Cambridgeshire54£22,418452,64375
Cardiff6£25,445324,23618
Carrickfergus2£20,475771,285-
Cheshire53£25,741433,52975
City of Edinburgh21£27,057323,97933
City of London - Greater London25£32,181213,47541
Coleraine3£17,198671,793-
Cookstown6£25,928233,1075
Cornwall5£26,795426,9854
County Durham23£26,029429,79653
Craigavon4£24,616445,3675
Croydon - Greater London13£30,70418,58327
Cumbria2£18,259757,5715
Derbyshire50£26,448327,91266
Derry5£23,104668,3123
Devon26£26,347433,37740
Dorset14£24,782434,62230
Down1£23,995756,0001
Dumfries and Galloway11£30,908216,3776
Dundee City7£27,479323,64930
Dungannon13£24,592450,86019
East Ayrshire1£25,998418,1301
East Riding of Yorkshire3£22,394643,7354
East Sussex5£25,897325,85312
Enfield - Greater London8£28,428316,8177
Essex29£26,686330,92548
Falkirk1£17,955558,9624
Fermanagh6£23,143558,6062
Fife9£23,965537,84012
Flintshire1£18,950759,678-
Glasgow City14£25,740338,73941
Gloucestershire22£27,483331,94432
Greater Manchester76£23,896436,830145
Hampshire73£26,941335,070118
Havering - Greater London11£18,293657,09713
Herefordshire4£24,105635,5858
Hertfordshire48£27,704325,60886
Highland9£28,851327,45515
Hillingdon - Greater London10£23,708545,2289
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent29£29,812222,31274
Lancashire50£25,463433,70379
Leicestershire30£20,811552,36945
Limavady1£23,495339,0003
Lincolnshire34£23,031443,72841
Lisburn12£22,282553,0655
Magherafelt3£24,162549,2472
Merseyside16£26,008330,46229
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport1£23,995561,4292
Newry and Mourne18£26,166343,39824
Newtownabbey9£29,996218,26015
Norfolk25£24,567441,85142
North Down2£24,998329,8113
North Yorkshire33£27,987328,55052
Northamptonshire19£28,280330,65658
Northumberland1£15,000880,0002
Nottinghamshire36£25,941328,35549
Omagh8£25,068346,04020
Oxfordshire22£29,199330,43133
Perth and Kinross13£24,618436,74320
Renfrewshire7£25,698436,89510
Shropshire7£26,283335,81112
Somerset33£24,747437,58656
South Ayrshire6£29,184217,60914
South Lanarkshire6£27,212319,78518
South Yorkshire39£26,040331,02761
Staffordshire23£25,687328,08035
Stirling11£32,14017,09214
Strabane7£26,261345,5397
Suffolk19£24,580442,10116
Surrey35£26,682326,55462
Tyne and Wear20£25,185435,69945
Warwickshire1£16,699647,0005
West Lothian2£26,997441,2176
West Midlands78£25,324332,27695
West Sussex20£28,536325,32933
West Yorkshire49£24,786433,020118
Wiltshire11£26,873330,65323
Worcestershire8£26,403329,07828
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