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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
All1,404£24,668440,6833,036
Aberdeen City13£28,121224,36425
Aberdeenshire1£27,495529,0338
Antrim2£19,924363,8695
Ards2£24,643435,5114
Armagh2£22,900667,0041
Ballymena9£26,769335,78216
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£12,9958101,9172
Bedfordshire21£25,513341,85334
Belfast16£26,990337,27423
Berkshire42£32,182113,90395
Blaenau Gwent1£20,995444,0001
Bristol25£24,382437,01849
Bromley - Greater London7£21,226546,3389
Buckinghamshire20£21,301566,92933
Cambridgeshire46£22,061453,45489
Cardiff6£26,862324,70916
Carrickfergus1£20,999868,5231
Ceredigion1£28,99528,9762
Cheshire54£24,848435,56196
City of Edinburgh14£28,333217,80239
City of London - Greater London18£31,007215,04244
Coleraine3£17,131671,793-
Cookstown6£25,512236,9944
Cornwall4£26,384425,9957
County Durham19£25,022333,09553
Craigavon2£20,095660,0277
Croydon - Greater London14£30,158211,28525
Cumbria3£25,663336,0676
Derbyshire37£26,272329,36179
Derry3£27,723563,3335
Devon24£25,830441,00047
Dorset12£27,097321,77638
Down3£23,662448,8901
Dumfries and Galloway7£32,999221,41112
Dundee City7£27,708327,55124
Dungannon15£28,913335,26924
East Ayrshire3£24,498431,9081
East Lothian1£13,499764,676-
East Riding of Yorkshire3£20,362660,4726
East Sussex2£25,629422,0979
Enfield - Greater London5£26,298324,2829
Essex28£27,164330,22551
Falkirk1£23,998439,4194
Fermanagh5£20,292675,9362
Fife7£17,994775,03915
Flintshire1£18,950759,678-
Glasgow City7£26,756333,16156
Gloucestershire15£28,354336,07136
Greater Manchester64£24,358440,485171
Hampshire63£26,123434,907134
Havering - Greater London13£18,194664,90017
Herefordshire3£26,223639,1559
Hertfordshire48£24,985434,25388
Highland6£29,412325,40014
Hillingdon - Greater London5£24,144539,41815
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent31£30,115218,74581
Kingston upon Thames - Greater London1£15,750752,0001
Lancashire42£26,238435,990105
Leicestershire28£22,610549,12566
Limavady5£22,084448,4002
Lincolnshire25£26,812331,30755
Lisburn3£19,258676,48714
Magherafelt5£21,626670,3482
Merseyside9£23,423335,23632
Moray2£27,245550,5003
Newport1£21,995754,4744
Newry and Mourne15£24,576452,90723
Newtownabbey5£26,316333,78116
Norfolk27£25,413437,36147
North Lanarkshire2£24,995434,3177
North Yorkshire33£28,411324,70255
Northamptonshire16£26,688438,10854
Northumberland2£20,510645,5992
Nottinghamshire33£26,123329,30160
Omagh8£27,518242,95217
Oxfordshire14£33,651110,09739
Perth and Kinross8£25,561435,44827
Renfrewshire10£26,858432,52716
Shropshire13£25,563333,18913
Somerset27£25,306434,10760
South Ayrshire5£27,904324,95213
South Lanarkshire2£29,295113,03217
South Yorkshire39£25,924332,65872
Staffordshire20£26,350324,85844
Stirling3£31,57817,04617
Strabane5£27,966334,1785
Suffolk14£25,605438,55027
Surrey25£27,460221,33780
Sutton - Greater London1£19,999367,000-
Tyne and Wear20£23,958444,05153
Warwickshire3£24,061428,9724
West Lothian2£19,597547,5147
West Midlands66£24,040437,342120
West Sussex24£27,611325,07238
West Yorkshire47£25,018431,146119
Wiltshire10£24,335440,15426
Worcestershire8£26,432334,89126
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