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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.

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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
All1,624£24,197439,0293,389
Aberdeenshire15£25,259437,79931
Angus8£25,569332,89914
Argyll & Bute1£20,979755,0001
Ayrshire7£25,870220,07618
Bedfordshire21£21,533447,37729
Berkshire36£28,257222,47880
Blaenau Gwent1£20,995444,0008
Borders1£13,149878,433-
Bristol7£21,746445,26457
Buckinghamshire10£24,252445,00540
Cambridgeshire49£21,405453,66279
Cardiff15£24,489427,52624
Carmarthenshire1£25,990233,000-
Ceredigion2£22,995533,488-
Cheshire50£26,804326,25399
Conwy7£29,893224,69613
Cornwall10£27,201326,86616
County Antrim33£26,306338,56261
County Armagh20£23,483457,42630
County Down14£19,763552,22428
County Durham21£25,366328,37548
County Fermanagh5£19,974672,5176
County Londonderry19£19,855669,07818
County Tyrone39£24,714451,83457
Cumbria6£24,677432,62413
Derbyshire40£24,218337,99992
Devon21£22,254452,30451
Dorset12£23,400423,30936
Dumfries & Galloway6£29,349325,15611
East Riding of Yorkshire11£24,354329,37730
East Sussex12£23,901333,94316
Essex47£25,146335,29574
Fife10£21,715566,09816
Flintshire1£20,495545,784-
Gloucestershire15£25,494441,56351
Greater London89£22,086442,445157
Greater Manchester69£23,416439,802146
Gwynedd1£16,495652,000-
Hampshire53£24,378439,200151
Herefordshire4£28,455631,2183
Hertfordshire38£26,650329,302116
Highland5£29,435224,04015
Isle of Wight1£19,495737,740-
Kent66£28,319225,138139
Lanarkshire25£26,402328,74552
Lancashire44£27,168329,859113
Leicestershire25£24,229435,56763
Lincolnshire33£24,773336,41066
Merseyside15£24,498330,80738
Merthyr Tydfil2£20,710443,969-
Midlothian12£29,936218,82644
Monmouthshire2£14,145877,500-
Moray1£32,995331,0004
Newport12£25,129223,27428
Norfolk23£24,051337,22653
North Yorkshire28£27,843329,27751
Northamptonshire17£25,731335,20535
Northumberland6£26,795324,30021
Nottinghamshire29£25,756432,95074
Oxfordshire22£26,279338,80739
Pembrokeshire1£13,495978,1031
Perth & Kinross13£24,976331,14227
Renfrewshire8£27,561328,19919
Shropshire5£27,591335,51319
Somerset23£27,084325,70561
South Yorkshire43£24,430432,49382
Staffordshire32£24,964326,47461
Stirling7£31,458212,33515
Suffolk25£27,513226,86844
Surrey39£28,139222,11092
Swansea8£26,181222,98714
Torfaen1£13,3959102,8313
Tyne and Wear31£22,128547,24352
Vale of Glamorgan1£20,497350,8853
Warwickshire11£23,358533,24018
West Lothian5£22,795543,1737
West Midlands60£24,410436,319128
West Sussex24£24,958432,83541
West Yorkshire62£24,917337,18797
Wiltshire9£24,538336,11525
Worcestershire20£23,799448,73823
Wrexham1£19,960668,0172
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