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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
All1,462£24,700439,8032,944
Aberdeen City15£27,352326,62226
Aberdeenshire1£27,495529,0338
Antrim1£21,499347,0269
Ards2£25,993435,5114
Armagh2£22,900667,0041
Ballymena11£26,965335,11715
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£13,3758101,9172
Bedfordshire21£24,741447,38032
Belfast15£27,703334,75021
Berkshire44£32,848111,90399
Blaenau Gwent1£20,995444,0001
Bristol22£24,669436,34345
Bromley - Greater London8£22,097442,7266
Buckinghamshire19£22,373561,74530
Cambridgeshire39£22,327454,10390
Cardiff7£27,095325,98915
Carrickfergus1£20,999868,5231
Ceredigion1£28,99528,9762
Cheshire51£24,635434,48794
City of Edinburgh17£28,168318,31838
City of London - Greater London18£31,819214,10441
Coleraine3£17,131671,793-
Conwy1£15,995964,000-
Cookstown6£25,594236,9944
Cornwall5£25,795431,9706
County Durham19£24,944333,88151
Craigavon3£22,215548,0876
Croydon - Greater London11£30,566210,00329
Cumbria3£25,663336,0676
Derbyshire44£27,233326,82574
Derry4£25,147661,6404
Devon25£27,688328,19942
Dorset14£26,789321,92637
Down1£25,495427,0001
Dumfries and Galloway9£30,332222,9819
Dundee City5£27,854329,24427
Dungannon11£26,032448,05324
East Ayrshire3£24,498431,9081
East Lothian1£13,499764,676-
East Riding of Yorkshire4£22,174551,0856
East Sussex5£26,074319,9679
Enfield - Greater London6£26,115323,7868
Essex30£27,118329,82551
Falkirk1£23,998439,4194
Fermanagh6£21,659566,0322
Fife6£18,660675,21317
Flintshire1£18,950759,678-
Glasgow City9£26,061337,25954
Gloucestershire13£29,271332,44635
Greater Manchester71£25,172335,325166
Hampshire63£26,202434,201134
Havering - Greater London12£18,586663,05318
Herefordshire3£26,223639,1559
Hertfordshire51£25,624332,90187
Highland7£29,509222,49713
Hillingdon - Greater London8£22,537549,21712
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent36£30,445219,42274
Kingston upon Thames - Greater London1£15,750752,0001
Lancashire46£25,617334,88699
Leicestershire33£22,999547,30859
Limavady5£22,084448,4002
Lincolnshire29£25,373337,52649
Lisburn5£18,284672,86213
Magherafelt5£21,626670,3482
Merseyside8£25,158328,87732
Moray3£26,163443,5822
Newport1£29,995114,6003
Newry and Mourne18£25,384347,33122
Newtownabbey7£30,399217,83216
Norfolk24£25,603436,95245
North Lanarkshire3£21,163548,3436
North Yorkshire35£28,362324,22055
Northamptonshire16£28,619330,10055
Northumberland2£20,361645,5992
Nottinghamshire37£26,149328,25056
Omagh8£27,518242,95218
Oxfordshire15£32,212215,33740
Perth and Kinross7£26,770332,03227
Renfrewshire10£27,158332,19413
Shropshire13£25,684333,18914
Somerset29£25,345436,68057
South Ayrshire3£27,575229,62612
South Lanarkshire3£29,195113,92917
South Yorkshire39£26,296331,62973
Staffordshire24£25,472327,54043
Stirling5£31,84617,76319
Strabane6£26,304442,2534
Suffolk16£25,405436,96025
Surrey23£26,206324,59482
Sutton - Greater London1£19,999367,000-
Tyne and Wear18£23,655445,72153
Warwickshire3£24,061428,9725
West Lothian1£15,995860,0008
West Midlands68£24,660335,185112
West Sussex22£28,057323,77537
West Yorkshire49£24,637430,013112
Wiltshire11£24,219543,11624
Worcestershire9£26,403334,09724
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