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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
All1,432£24,639440,5313,010
Aberdeen City13£28,868222,94526
Aberdeenshire1£27,495529,0338
Antrim2£20,074363,8695
Ards2£24,743435,5114
Armagh2£22,900667,0041
Ballymena10£27,462334,37416
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£12,9958101,9172
Bedfordshire21£25,135343,55532
Belfast19£28,063333,62921
Berkshire45£32,742112,65597
Blaenau Gwent1£20,995444,0001
Bristol21£23,476439,79149
Bromley - Greater London6£20,172549,6629
Buckinghamshire17£22,326564,15132
Cambridgeshire40£22,186455,67589
Cardiff7£27,095325,98915
Carrickfergus1£20,999868,5231
Ceredigion1£28,99528,9762
Cheshire52£24,744436,24694
City of Edinburgh12£28,722218,82142
City of London - Greater London21£30,897215,87541
Coleraine3£17,131671,793-
Conwy1£15,995964,000-
Cookstown6£25,512236,9944
Cornwall4£26,459425,9957
County Durham17£24,426436,47153
Craigavon2£20,095660,0277
Croydon - Greater London11£30,566210,00327
Cumbria3£25,663336,0676
Derbyshire40£26,403328,79079
Derry3£27,723563,3335
Devon25£26,771337,03447
Dorset13£27,004221,45938
Down3£23,662448,8901
Dumfries and Galloway9£31,888221,21910
Dundee City6£26,860431,87825
Dungannon17£27,570338,98123
East Ayrshire3£24,498431,9081
East Lothian1£13,499764,676-
East Riding of Yorkshire4£22,174551,0856
East Sussex5£26,074319,9678
Enfield - Greater London5£26,298324,2829
Essex28£27,316330,64652
Falkirk1£23,998439,4194
Fermanagh5£20,292675,9363
Fife5£18,792669,45517
Flintshire1£18,950759,678-
Glasgow City7£25,355338,87556
Gloucestershire16£28,816332,53335
Greater Manchester69£24,839337,790169
Hampshire60£26,498333,554136
Havering - Greater London12£18,586663,05318
Herefordshire3£26,223639,1559
Hertfordshire48£25,456433,13587
Highland6£29,412325,40014
Hillingdon - Greater London7£23,757538,07013
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent35£30,495219,27975
Kingston upon Thames - Greater London1£15,750752,0001
Lancashire44£25,308436,200102
Leicestershire32£23,391547,28762
Limavady5£22,084448,4002
Lincolnshire26£26,182332,79653
Lisburn3£19,258676,48714
Magherafelt5£21,626670,3482
Merseyside8£24,376332,11033
Moray3£26,163443,5822
Newry and Mourne18£25,082449,76821
Newtownabbey4£27,896320,15917
Norfolk27£25,734436,60046
North Lanarkshire3£21,163548,3436
North Yorkshire35£27,873325,90956
Northamptonshire16£27,310336,45157
Northumberland2£20,327645,5992
Nottinghamshire34£26,513328,42859
Omagh8£27,518242,95217
Oxfordshire15£32,196215,33739
Perth and Kinross8£26,049332,81927
Renfrewshire10£27,118430,93715
Shropshire13£25,645333,18914
Somerset29£24,753438,09558
South Ayrshire6£28,601221,25012
South Lanarkshire3£29,195113,92917
South Yorkshire39£25,865334,06474
Staffordshire22£25,906326,53146
Stirling4£32,93315,61719
Strabane5£27,966334,1785
Suffolk16£25,367436,96125
Surrey26£26,608323,98281
Sutton - Greater London1£19,999367,000-
Tyne and Wear18£23,893446,18853
Warwickshire3£24,061428,9724
West Lothian2£19,597547,5147
West Midlands64£24,173436,622123
West Sussex24£27,801325,28537
West Yorkshire46£25,025430,208116
Wiltshire11£23,984542,70225
Worcestershire10£28,360330,78824
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