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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
All1,616£24,050440,0533,404
Aberdeenshire17£25,628437,89030
Angus6£27,628329,23819
Argyll & Bute1£20,979755,0001
Ayrshire7£25,795219,77719
Bedfordshire20£22,037447,16737
Berkshire32£29,359218,48984
Blaenau Gwent2£20,945655,9277
Borders1£13,149878,433-
Bristol10£24,514336,47357
Buckinghamshire11£25,028434,15639
Cambridgeshire41£21,483453,84395
Cardiff15£23,289431,83823
Carmarthenshire1£25,990233,000-
Ceredigion2£23,995533,4881
Cheshire48£26,504330,538100
Conwy8£29,250225,73615
Cornwall9£27,668326,64517
County Antrim34£26,342339,32662
County Armagh21£23,880455,28230
County Down18£21,463549,58323
County Durham24£26,336327,58744
County Fermanagh5£22,992459,8765
County Londonderry22£18,761672,55115
County Tyrone43£25,086450,46856
Cumbria5£24,087541,00913
Derbyshire31£24,394334,88393
Devon21£22,606450,31253
Dorset18£24,230429,68932
Dumfries & Galloway5£29,619326,12811
East Riding of Yorkshire12£25,196329,67626
East Sussex8£19,388549,63313
Essex47£24,504337,34472
Fife10£19,652566,04815
Flintshire1£20,495545,784-
Gloucestershire16£22,535451,76051
Greater London92£22,663441,973159
Greater Manchester69£23,668439,248147
Gwynedd1£16,495652,000-
Hampshire58£25,114439,034148
Herefordshire4£28,564631,2183
Hertfordshire44£26,628330,125116
Highland6£25,895328,81512
Isle of Wight1£19,495737,740-
Kent67£27,483327,587138
Lanarkshire26£27,288226,80951
Lancashire38£27,454326,470108
Leicestershire23£24,109335,97863
Lincolnshire28£25,602332,33666
Merseyside15£23,901331,14738
Merthyr Tydfil2£20,780443,9691
Midlothian14£28,430218,71243
Monmouthshire1£11,2959100,000-
Moray2£27,245550,5003
Newport13£24,664326,46725
Norfolk28£24,904336,45650
North Yorkshire27£27,529331,81654
Northamptonshire22£25,594440,02941
Northumberland5£23,197331,68420
Nottinghamshire29£25,737330,30076
Oxfordshire23£26,140341,00336
Perth & Kinross14£24,513332,25725
Renfrewshire4£26,748439,16318
Shropshire5£27,591335,38920
Somerset25£25,683330,40063
South Yorkshire36£24,432433,99987
Staffordshire34£24,781328,26057
Stirling6£30,869214,39016
Suffolk27£27,242329,14339
Surrey34£28,487222,52293
Swansea7£27,071225,44813
Torfaen1£13,3959102,8313
Tyne and Wear28£23,143545,55857
Vale of Glamorgan2£18,698446,2162
Warwickshire13£21,434537,56115
West Lothian5£22,995543,1738
West Midlands56£24,592437,380130
West Sussex25£23,268439,54745
West Yorkshire56£24,814337,436108
Wiltshire10£24,894337,24726
Worcestershire17£23,740447,67522
Wrexham1£14,995982,7181
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