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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
All1,565£23,999440,0613,410
Aberdeenshire17£25,628437,89034
Angus6£27,628329,23819
Argyll & Bute1£20,979755,0001
Ayrshire6£25,983221,06118
Bedfordshire21£21,797448,56436
Berkshire26£29,521219,45785
Blaenau Gwent2£20,945655,9277
Borders1£13,149878,433-
Bristol10£23,930436,90855
Buckinghamshire11£23,791437,59839
Cambridgeshire42£21,523551,76595
Cardiff15£23,035434,64423
Carmarthenshire1£25,990233,000-
Ceredigion2£23,995533,4881
Cheshire49£26,190329,85299
Conwy5£25,750334,70817
Cornwall9£28,556223,48816
County Antrim32£26,407337,84166
County Armagh21£23,918455,28232
County Down16£21,866447,92423
County Durham20£26,288328,16748
County Fermanagh6£21,977562,0544
County Londonderry20£18,647672,70616
County Tyrone43£25,670449,67953
Cumbria3£26,328324,93814
Derbyshire28£23,553437,78391
Devon22£22,487449,12151
Dorset20£24,219426,40531
Dumfries & Galloway5£29,619326,12811
East Riding of Yorkshire12£25,783328,58527
East Sussex7£20,108546,77215
Essex46£25,058335,72670
Fife9£19,786567,38715
Flintshire1£20,495545,8001
Gloucestershire15£23,824453,03851
Greater London90£22,316443,488159
Greater Manchester70£23,844437,862145
Gwynedd1£16,495652,000-
Hampshire55£26,325335,092138
Herefordshire4£28,674631,2183
Hertfordshire42£24,071440,163110
Highland6£25,978328,81512
Isle of Wight1£19,495737,740-
Kent62£27,159328,029140
Lanarkshire23£27,805225,62456
Lancashire33£28,447327,162109
Leicestershire23£24,854334,70763
Lincolnshire32£25,642430,34560
Merseyside16£23,553334,65138
Merthyr Tydfil2£20,825443,9691
Midlothian15£29,208215,00241
Monmouthshire1£11,4959101,000-
Moray2£27,245550,5003
Newport10£24,689325,87727
Norfolk31£24,361438,93648
North Yorkshire28£27,853330,26454
Northamptonshire21£26,216337,40644
Northumberland3£22,664437,04420
Nottinghamshire29£24,707432,25675
Oxfordshire17£25,303341,89437
Perth & Kinross17£23,723335,93523
Renfrewshire6£25,248437,99517
Shropshire6£26,658337,60319
Somerset27£25,900328,72964
South Yorkshire35£25,794331,22384
Staffordshire29£24,478328,44859
Stirling4£29,495218,80516
Suffolk26£27,430328,08442
Surrey26£27,847326,79799
Swansea7£27,156225,44814
Torfaen1£13,3959102,8313
Tyne and Wear31£22,854545,38554
Vale of Glamorgan2£18,698446,2162
Warwickshire15£21,167537,07911
West Lothian5£22,995543,1739
West Midlands58£25,221333,953131
West Sussex25£23,759435,94646
West Yorkshire52£25,485335,148119
Wiltshire9£24,077439,34027
Worcestershire16£23,902446,65223
Wrexham1£14,995982,7181
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