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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
All1,465£24,630440,2332,943
Aberdeen City13£27,972227,22928
Aberdeenshire1£27,495529,0338
Antrim3£20,799358,2557
Ards2£25,995435,5114
Argyll and Bute1£10,479882,000-
Armagh2£22,900667,0041
Ballymena11£26,965335,11714
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£13,3758101,9172
Bedfordshire21£24,418448,47331
Belfast14£27,950333,90122
Berkshire43£33,010111,947100
Blaenau Gwent1£20,995444,0001
Bristol25£23,715437,26143
Bromley - Greater London8£22,128442,6886
Buckinghamshire19£22,537558,19629
Cambridgeshire38£22,469453,29890
Cardiff7£27,095325,98915
Carrickfergus1£20,999868,5231
Ceredigion1£28,99528,9762
Cheshire48£25,077433,20394
City of Edinburgh21£26,937322,60435
City of London - Greater London17£32,023212,32642
Coleraine3£17,131671,793-
Conwy1£15,995964,000-
Cookstown6£25,928236,9946
Cornwall5£25,795431,9706
County Durham18£25,195332,90955
Craigavon3£21,882450,0875
Croydon - Greater London12£30,73229,35629
Cumbria3£25,663336,0676
Derbyshire42£27,178326,94777
Derry4£25,147661,6404
Devon25£27,683328,19944
Dorset16£26,628322,77436
Down1£25,495427,0001
Dumfries and Galloway9£30,332222,98110
Dundee City5£27,854329,24427
Dungannon10£26,596451,04724
East Ayrshire3£24,498431,9081
East Lothian1£13,499764,676-
East Riding of Yorkshire4£22,186551,0856
East Sussex6£26,650217,7939
Enfield - Greater London6£26,115323,7868
Essex31£26,771329,43250
Fermanagh6£21,659566,0322
Fife5£19,893665,05517
Flintshire1£18,950759,678-
Glasgow City10£25,738338,39852
Gloucestershire14£28,173336,55736
Greater Manchester74£25,050335,278166
Hampshire67£25,994433,785137
Havering - Greater London12£18,357661,43317
Herefordshire3£26,223639,1559
Hertfordshire49£25,993331,88690
Highland9£27,451327,11312
Hillingdon - Greater London8£22,537549,21712
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent36£29,070221,82972
Kingston upon Thames - Greater London2£14,870771,000-
Lancashire43£25,888334,277100
Leicestershire33£23,028547,10959
Limavady6£22,319446,8331
Lincolnshire32£25,449336,18048
Lisburn5£18,284672,86213
Magherafelt5£21,626670,3482
Merseyside8£25,248328,87732
Moray3£26,163443,5822
Newport1£29,995114,6003
Newry and Mourne18£25,395347,33122
Newtownabbey7£30,399217,83216
Norfolk24£24,642440,52445
North Lanarkshire4£23,496438,6635
North Yorkshire33£28,460323,74356
Northamptonshire18£29,270327,60953
Northumberland1£24,498441,6572
Nottinghamshire37£26,245328,25057
Omagh7£26,806246,76018
Oxfordshire17£30,386223,90640
Perth and Kinross7£27,841330,40328
Renfrewshire10£26,958433,46913
Shropshire13£26,209333,21413
Somerset26£26,170434,80358
South Ayrshire3£27,575229,62613
South Lanarkshire3£29,195113,92917
South Yorkshire36£26,670331,60874
Staffordshire24£25,427327,54243
Stirling5£31,84617,76319
Strabane6£26,471442,2534
Suffolk14£24,387440,08124
Surrey26£26,094324,72381
Tyne and Wear17£24,735443,98354
Warwickshire3£24,061428,9725
West Lothian1£15,995860,0008
West Midlands68£24,604436,009110
West Sussex22£27,564327,66036
West Yorkshire46£24,175433,832115
Wiltshire11£25,487435,91823
Worcestershire10£25,562436,30524
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