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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£24,614440,0542,956
Aberdeen City15£27,352326,61927
Aberdeenshire1£27,495529,0338
Antrim3£20,549358,2557
Ards2£25,993435,5114
Argyll and Bute1£10,479882,000-
Armagh2£22,900667,0041
Ballymena12£27,784332,73214
Ballymoney1£17,750771,7683
Barking & Dagenham - Greater London1£11,9998106,5592
Barnet - Greater London1£13,3758101,9172
Bedfordshire20£24,413448,81632
Belfast15£27,703334,75021
Berkshire44£32,869111,816100
Blaenau Gwent1£20,995444,0001
Bristol23£23,746437,93044
Bromley - Greater London8£22,128442,6886
Buckinghamshire19£22,392561,46229
Cambridgeshire38£22,493453,43390
Cardiff7£27,095325,98915
Carrickfergus1£20,999868,5231
Ceredigion1£28,99528,9762
Cheshire52£24,610434,05597
City of Edinburgh18£27,408320,89138
City of London - Greater London18£31,833214,10442
Coleraine3£17,131671,793-
Conwy1£15,995964,000-
Cookstown6£25,928236,9946
Cornwall5£25,795431,9706
County Durham18£25,094332,99251
Craigavon3£21,882450,0875
Croydon - Greater London11£30,571210,00330
Cumbria3£25,663336,0676
Derbyshire44£26,926327,12674
Derry4£25,147661,6404
Devon25£27,685328,19943
Dorset14£26,789321,92638
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 London5£26,628321,9449
Essex30£26,632330,04250
Falkirk1£23,998439,4194
Fermanagh6£21,659566,0322
Fife5£19,893665,05517
Flintshire1£18,950759,678-
Glasgow City8£26,611336,65454
Gloucestershire13£29,340332,44636
Greater Manchester74£25,050335,278165
Hampshire63£26,213434,201138
Havering - Greater London12£18,357661,43317
Herefordshire3£26,223639,1559
Hertfordshire49£25,993331,88688
Highland7£29,609222,49714
Hillingdon - Greater London8£22,537549,21712
Hounslow - Greater London1£24,495768,9221
Isle of Wight1£19,495737,740-
Kent38£30,290219,58873
Kingston upon Thames - Greater London1£15,750752,0001
Lancashire46£25,542334,842100
Leicestershire32£23,022547,64560
Limavady6£22,319446,8331
Lincolnshire29£25,376337,52651
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
Norfolk25£25,334438,90444
North Lanarkshire3£21,163548,3436
North Yorkshire33£28,235323,73057
Northamptonshire17£28,752328,95254
Northumberland1£24,498441,6572
Nottinghamshire37£26,155328,25056
Omagh8£27,824242,95218
Oxfordshire17£30,386223,90639
Perth and Kinross7£26,770332,03228
Renfrewshire9£26,064435,77114
Shropshire13£26,195333,21413
Somerset28£25,719435,43858
South Ayrshire3£27,575229,62613
South Lanarkshire3£29,195113,92917
South Yorkshire38£26,348331,99374
Staffordshire23£25,405328,11243
Stirling5£31,84617,76319
Strabane6£26,304442,2534
Suffolk14£24,387440,08124
Surrey26£26,235325,05780
Tyne and Wear19£23,920445,50752
Warwickshire3£24,061428,9725
West Lothian1£15,995860,0008
West Midlands69£24,490436,153111
West Sussex22£28,057323,77537
West Yorkshire49£24,299431,684115
Wiltshire10£24,849439,13724
Worcestershire10£25,562436,30523
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