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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
All1,473£24,624439,8692,969
Aberdeen City13£26,940327,77227
Aberdeenshire2£26,245418,5177
Antrim3£20,832358,2557
Ards3£22,662448,4653
Argyll and Bute1£10,479882,000-
Armagh2£22,900667,0041
Ballymena12£26,883334,54013
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5593
Barnet - Greater London1£13,3758101,9172
Bedfordshire22£24,090449,22230
Belfast14£28,680231,79222
Berkshire38£33,173111,284104
Blaenau Gwent1£21,995444,0001
Bristol24£23,945437,52843
Bromley - Greater London8£22,128442,6886
Buckinghamshire17£21,791562,91430
Cambridgeshire39£22,340452,70694
Cardiff7£27,095325,98917
Carrickfergus1£20,999868,5231
Ceredigion1£28,99528,9762
Cheshire50£24,776434,11392
City of Edinburgh21£26,595324,65637
City of London - Greater London16£32,187211,37843
Coleraine3£17,131671,793-
Conwy1£15,995964,000-
Cookstown6£25,928236,9946
Cornwall6£27,328427,0005
County Durham18£24,991332,36858
Craigavon4£22,660442,3404
Croydon - Greater London12£30,80229,30829
Cumbria4£23,633339,7845
Derbyshire41£26,024329,65477
Derry4£25,147661,6404
Devon25£27,683328,19947
Dorset16£26,647322,48236
Down1£25,495427,0001
Dumfries and Galloway9£30,332222,98110
Dundee City6£27,043327,70328
Dungannon10£27,036445,08423
East Ayrshire3£24,831431,9081
East Lothian1£13,499764,676-
East Riding of Yorkshire4£22,186551,0856
East Sussex5£26,804218,00510
Enfield - Greater London5£26,508318,7139
Essex32£26,677330,08351
Fermanagh6£21,659566,0323
Fife5£19,993665,05518
Flintshire1£18,950759,678-
Glasgow City10£25,940335,13351
Gloucestershire13£29,154333,55737
Greater Manchester74£25,225332,014166
Hampshire68£26,333332,125132
Havering - Greater London13£18,580658,90016
Herefordshire3£26,223639,15510
Hertfordshire49£25,621331,96289
Highland11£26,368333,68911
Hillingdon - Greater London8£22,607549,02912
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent37£29,450220,24473
Kingston upon Thames - Greater London2£14,870771,000-
Lancashire44£25,538434,833101
Leicestershire33£23,203546,03358
Limavady6£22,319446,8332
Lincolnshire32£25,765334,81149
Lisburn6£19,736664,41812
Magherafelt5£21,626670,3482
Merseyside8£25,378328,87733
Moray2£28,497330,3732
Newport2£29,995326,4722
Newry and Mourne18£25,395347,33124
Newtownabbey6£31,299215,18018
Norfolk23£24,673440,11247
North Lanarkshire4£23,496438,5555
North Yorkshire34£28,400323,90455
Northamptonshire17£29,551327,12957
Northumberland1£24,498441,6572
Nottinghamshire38£26,235328,04157
Omagh7£26,806246,76021
Oxfordshire15£30,465224,22042
Perth and Kinross8£25,611436,47627
Renfrewshire9£26,620434,66213
Shropshire13£26,163331,60512
Somerset30£26,189433,52757
South Ayrshire3£27,575229,62613
South Lanarkshire4£28,020214,90017
South Yorkshire33£25,901334,86973
Staffordshire22£25,470327,82743
Stirling4£32,93315,61720
Strabane6£26,806442,2534
Suffolk14£24,412440,08124
Surrey26£26,239323,66581
Tyne and Wear20£24,999444,25552
Warwickshire3£24,228428,9725
West Lothian1£15,995860,0008
West Midlands67£24,486436,417112
West Sussex23£28,108325,43138
West Yorkshire48£24,113434,183117
Wiltshire10£26,554431,57425
Worcestershire12£25,542435,31622
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