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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
All1,550£24,898439,5822,815
Aberdeen City16£26,174333,04825
Aberdeenshire1£27,995528,0009
Angus1£16,495759,855-
Antrim4£21,724356,8949
Ards2£26,242435,5114
Argyll and Bute1£10,479882,000-
Armagh2£21,400787,7892
Ballymena11£25,121442,63911
Ballymoney2£13,825987,4871
Barnet - Greater London1£12,9958101,9172
Bedfordshire21£20,852561,97928
Belfast13£28,147333,41322
Berkshire33£30,568219,236105
Blaenau Gwent2£25,497429,989-
Bristol21£23,490442,80839
Bromley - Greater London5£23,106340,3345
Buckinghamshire13£27,211332,80134
Cambridgeshire51£22,546452,00879
Cardiff5£25,215323,50320
Carrickfergus2£20,475771,2851
Cheshire50£25,717432,32783
City of Edinburgh19£27,171323,81038
City of London - Greater London25£32,249213,44951
Coleraine3£17,198671,793-
Cookstown2£22,493446,8656
Cornwall6£27,328424,2595
County Durham24£26,530330,01158
Craigavon5£24,780440,1125
Croydon - Greater London12£31,58416,41432
Cumbria2£18,624757,5715
Derbyshire46£26,087328,32270
Derry4£23,104563,3903
Devon26£27,306329,14042
Dorset14£25,211333,58531
Down1£23,995756,0001
Dumfries and Galloway10£30,199217,8158
Dundee City7£27,909323,69829
Dungannon14£22,846451,42718
East Ayrshire1£25,998418,1302
East Riding of Yorkshire4£23,868538,5323
East Sussex4£26,357322,11914
Enfield - Greater London8£28,428316,8179
Essex29£27,286330,41448
Falkirk1£17,955558,9625
Fermanagh6£23,393558,6063
Fife7£23,153544,02216
Flintshire1£18,950759,678-
Glasgow City16£24,594339,93744
Gloucestershire20£28,779329,39735
Greater Manchester74£24,140436,190154
Hampshire75£27,112334,441126
Havering - Greater London13£18,407659,80813
Herefordshire3£26,642529,5929
Hertfordshire47£27,466326,35994
Highland8£29,245327,32816
Hillingdon - Greater London9£22,255550,03111
Hounslow - Greater London1£24,495768,9222
Isle of Wight1£19,495737,740-
Kent26£31,009216,17578
Lancashire50£25,955435,20382
Leicestershire28£20,917550,39649
Limavady1£23,495339,0003
Lincolnshire34£22,736446,07043
Lisburn12£22,365553,0656
Magherafelt3£24,162549,2472
Merseyside18£26,089327,93228
Midlothian1£47,5000100-
Moray2£26,995550,0001
Newport1£23,995561,4292
Newry and Mourne20£26,277341,59526
Newtownabbey10£29,596318,43416
Norfolk26£24,632441,64241
North Down2£25,323329,8113
North Lanarkshire2£26,247528,3886
North Yorkshire34£28,179326,96755
Northamptonshire18£27,785330,09660
Northumberland1£15,000880,0002
Nottinghamshire35£26,570327,02756
Omagh9£24,599351,17520
Oxfordshire20£28,886328,80536
Perth and Kinross13£23,937440,96820
Renfrewshire8£24,360539,81711
Shropshire6£26,839334,49513
Somerset34£25,439436,35856
South Ayrshire7£28,515219,58513
South Lanarkshire6£27,212319,75318
South Yorkshire40£26,142328,19465
Staffordshire24£25,723328,21634
Stirling7£32,08026,81916
Strabane7£26,261345,5397
Suffolk19£24,620442,10119
Surrey38£26,461326,77963
Tyne and Wear19£25,761432,50148
Warwickshire1£16,699647,0006
West Lothian1£22,495767,0006
West Midlands75£25,658331,002105
West Sussex19£29,085325,07238
West Yorkshire49£25,457329,651120
Wiltshire10£25,805434,71228
Worcestershire9£25,080430,59329
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