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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
All1,543£24,749440,5312,737
Aberdeen City19£26,833331,66024
Aberdeenshire3£29,828435,4076
Angus1£16,795759,8554
Antrim3£20,143775,67522
Ards2£26,995434,8634
Argyll and Bute1£10,479882,0001
Armagh2£21,400787,7892
Ballymena12£27,084334,3456
Ballymoney3£20,163770,9406
Banbridge1£13,900976,0002
Barnet - Greater London1£13,9958101,9172
Bedfordshire21£21,154559,04723
Belfast17£26,524334,99015
Berkshire35£32,317216,564101
Blaenau Gwent2£25,497429,9891
Bristol19£25,185439,11839
Bromley - Greater London6£22,033448,1136
Buckinghamshire12£28,478228,58034
Cambridgeshire65£22,624448,95964
Cardiff8£25,320435,25015
Carrickfergus1£20,999868,5231
Ceredigion1£21,993537,8641
Cheshire45£26,964429,22280
City of Edinburgh19£28,130321,54836
City of London - Greater London29£24,944435,04959
Coleraine3£17,231671,7922
Cookstown4£25,973336,4614
Cornwall8£26,257436,2083
County Durham19£27,820324,98759
Craigavon4£22,840445,6976
Croydon - Greater London12£29,523220,16036
Cumbria1£18,750550,9374
Derbyshire37£26,371327,09571
Derry6£22,034665,5933
Devon26£26,907331,67436
Dorset13£24,457438,25438
Dumfries and Galloway5£33,29917,1238
Dundee City10£27,309325,47424
Dungannon10£22,706455,40915
East Ayrshire1£26,998418,1304
East Riding of Yorkshire6£24,610433,3293
East Sussex5£24,815423,86613
Enfield - Greater London5£30,528213,1699
Essex26£26,801332,01254
Falkirk1£17,955558,9625
Fermanagh6£23,409558,6063
Fife8£23,771543,83017
Flintshire2£18,223755,424-
Glasgow City17£23,319436,85742
Gloucestershire23£27,459336,11742
Greater Manchester70£25,959432,239148
Hampshire82£27,422436,174133
Havering - Greater London2£21,577768,3172
Herefordshire4£24,028635,5859
Hertfordshire35£26,533328,30692
Highland8£31,183221,02116
Hillingdon - Greater London9£23,048542,4779
Hounslow - Greater London1£24,495768,9222
Isle of Wight1£19,495737,740-
Kent46£29,933219,62585
Lancashire35£25,338538,55679
Leicestershire32£21,741549,52548
Lincolnshire29£22,252549,96939
Lisburn8£22,100563,1127
Magherafelt4£24,162660,1851
Merseyside19£27,996323,64326
Merthyr Tydfil1£17,499564,8692
Midlothian1£47,5000100-
Moray2£26,995550,0002
Newport3£22,703558,8172
Newry and Mourne20£27,294338,71122
Newtownabbey11£27,887322,33617
Norfolk22£24,964438,43840
North Down2£25,573329,8113
North Lanarkshire4£23,398440,6937
North Yorkshire29£27,138434,04145
Northamptonshire24£29,519329,78955
Northumberland1£23,499240,0004
Nottinghamshire33£25,782434,10350
Omagh7£21,797464,49321
Oxfordshire22£29,858326,07736
Pembrokeshire1£26,499316,123-
Perth and Kinross9£27,232328,97019
Renfrewshire7£26,255434,37313
Rhondda Cynon Taf1£18,490763,459-
Richmond upon Thames - Greater London1£14,985857,691-
Shropshire6£25,755332,99420
Somerset36£26,833334,81252
South Ayrshire6£28,787326,07111
South Lanarkshire6£28,445224,16715
South Yorkshire43£24,854435,52158
Staffordshire19£24,513432,01735
Stirling8£28,076319,11118
Strabane6£24,337452,68311
Suffolk18£27,276432,34119
Surrey36£25,026433,25966
Swansea4£33,87529,0577
Tyne and Wear23£24,477435,11336
Warwickshire1£17,099647,0006
West Lothian1£20,991451,9935
West Midlands54£25,483332,658105
West Sussex21£29,719322,57033
West Yorkshire64£24,234437,48693
Wiltshire10£23,127546,59727
Worcestershire9£24,470431,53731
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