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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
All1,532£24,906439,2332,837
Aberdeen City17£27,169328,53124
Aberdeenshire1£27,995528,0009
Angus1£16,495759,855-
Antrim7£20,876569,61218
Ards2£26,242435,5114
Argyll and Bute1£10,479882,0001
Armagh2£21,400787,7892
Ballymena12£25,818440,89411
Ballymoney2£19,000772,519-
Barnet - Greater London1£13,4958101,9172
Bedfordshire25£21,429556,90824
Belfast15£28,367334,47722
Berkshire35£30,209221,284102
Blaenau Gwent2£25,497429,989-
Bristol20£23,864442,06737
Bromley - Greater London5£23,155340,3346
Buckinghamshire15£26,514332,30131
Cambridgeshire56£21,966454,40273
Cardiff7£24,195430,14118
Carrickfergus2£20,475771,2851
Cheshire46£27,137429,13785
City of Edinburgh21£27,080324,14138
City of London - Greater London19£31,481214,20853
Coleraine3£17,198671,7931
Cookstown1£27,995125,0156
Cornwall6£28,328325,3264
County Durham18£25,394430,37764
Craigavon5£24,780440,1125
Croydon - Greater London11£31,70116,19734
Cumbria2£18,624757,5715
Derbyshire43£26,245429,58677
Derry7£22,034668,5082
Devon27£27,338329,20340
Dorset13£25,358332,60031
Dumfries and Galloway8£32,436212,2708
Dundee City11£27,713323,87926
Dungannon12£21,933454,40116
East Ayrshire1£25,998418,1304
East Riding of Yorkshire3£27,058433,0704
East Sussex4£26,522322,11914
Enfield - Greater London6£28,697218,3308
Essex27£27,862326,23450
Falkirk1£17,955558,9625
Fermanagh6£23,393558,6063
Fife8£23,396544,75316
Flintshire1£18,950759,678-
Glasgow City18£23,933440,66349
Gloucestershire21£28,951330,25840
Greater Manchester78£24,867434,314153
Hampshire80£26,662436,479129
Havering - Greater London13£18,057662,33212
Herefordshire4£24,148635,5858
Hertfordshire52£27,473325,97493
Highland9£28,773327,45517
Hillingdon - Greater London7£22,350547,55811
Hounslow - Greater London1£24,495768,9222
Isle of Wight1£19,495737,740-
Kent34£30,723215,85870
Lancashire42£26,061432,65483
Leicestershire26£20,379552,06253
Limavady1£23,495339,0003
Lincolnshire34£22,700446,67342
Lisburn11£23,035452,1637
Magherafelt3£24,162549,2472
Merseyside16£26,583326,85228
Merthyr Tydfil1£16,999564,8692
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport2£20,623758,6042
Newry and Mourne20£26,644339,65624
Newtownabbey10£29,166318,95818
Norfolk24£24,182441,84042
North Down2£25,423329,8113
North Lanarkshire2£25,997528,3887
North Yorkshire30£29,217326,83053
Northamptonshire14£28,131332,46661
Northumberland1£23,499240,0004
Nottinghamshire32£26,018431,07454
Omagh9£24,599351,17522
Oxfordshire16£29,828227,08738
Perth and Kinross13£25,268336,59919
Renfrewshire8£24,360539,81712
Richmond upon Thames - Greater London1£14,985857,691-
Shropshire6£26,839334,49414
Somerset29£25,627435,97659
South Ayrshire7£25,830330,43912
South Lanarkshire6£27,712228,22416
South Yorkshire39£25,940329,89564
Staffordshire22£25,793328,44534
Stirling6£31,63217,01518
Strabane7£26,404345,5398
Suffolk19£24,785440,93821
Surrey39£26,650325,32568
Tyne and Wear21£24,475437,79345
Warwickshire1£16,699647,0006
West Midlands65£25,644332,205109
West Sussex20£28,805323,72536
West Yorkshire51£24,568434,639120
Wiltshire7£25,811437,94129
Worcestershire10£24,401432,95030
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