Great price
KIA Sportage
2016 2 Isg
PetrolManual85,000 mi2016
Band F · £225/yr
£142/mo
£5,995
cash
Hanworth Autos Ltd·4.3 (32)· Feltham
Kia Sportage representative finance example
A genuine Hire Purchase quote for a 2018 Kia Sportage currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £216
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £9,280.00
- Cash deposit
- £0.00
- Total amount of credit
- £9,280.00
- Total amount payable
- £12,948.00
- Representative APR
- 14.9%
- Total charge for credit
- £3,667.00
- Fixed rate of interest pa
- 7.90%
- Option to purchase fee
- £1.00
The legal bit
Cobalt Motors Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 931275).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How Kia Sportage finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the Sportage, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the Sportage outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a Kia Sportage
Check your eligibility for Kia Sportage finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityKia Sportage in stock now — from £5,995
Fair price
KIA Sportage
2018 2 Crdi Isg
DieselManual101,631 mi2018
£200/yr
£184/mo
£7,995
cash
Car-pod Ltd·4.9 (169)· North Baddesley
Fair price
KIA Sportage
2017 4 Crdi Isg
DieselManual87,661 mi2017
£200/yr
£186/mo
£8,325
cash
RMB & Son Motors·4.5 (19)· Ross-On-Wye
Great price
KIA Sportage
2018 2 Isg
PetrolManual46,477 mi2018
£200/yr
£216/mo
£9,280
cash
Cobalt Motors·4.5 (149)· Gosforth
Great price
KIA Sportage
2017 Gt-line Crdi 4x4 Auto
DieselAutomatic82,000 mi2017
£200/yr
£230/mo
£9,995
cash
NG9 Motors·4.5 (88)· Nottingham
Great price
KIA Sportage
2023 2 Isg
PetrolManual83,000 mi2023
£200/yr
£256/mo
£11,800
cash
Hanworth Autos Ltd·4.3 (32)· Feltham
KIA Sportage
2018 Gt-line Semi-auto
PetrolAutomatic40,390 mi2018
£200/yr
£307/mo
£13,190
cash
Ezy Access·4.5 (207)· South Ruislip
Frequently asked questions
- How much is a Kia Sportage on finance per month?
- Finance on a used Kia Sportage starts from around £142 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Kia Sportage deal with the full APR and totals.
- Can I get a Kia Sportage on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used Kia Sportage listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a Kia Sportage — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Sportage outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get Kia Sportage finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a Kia Sportage?
- There's no fixed minimum — many Kia Sportage agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used Kia Sportage per month on finance?
- Based on a representative example, a used Kia Sportage could be financed from £178 per month. This representative example assumes a 0% deposit, 13% APR, and a 60-month HP agreement. Finance is subject to status.
- What deposit and APR do I need?
- The representative finance example for a used Kia Sportage shows a 0% deposit and a 13% representative APR. Your personal APR and deposit may vary based on your credit history and affordability assessment.
- What is the difference between HP and PCP finance for this model?
- With Hire Purchase (HP), you typically own the Kia Sportage outright after making all payments, as you are essentially hiring it until the full price is paid. Personal Contract Purchase (PCP) offers lower monthly payments by deferring a large portion of the cost to an optional final payment, giving you options to return, exchange, or buy the car at the end of the term.
- Can I get finance on a used Kia Sportage with the price range shown?
- Yes, finance is available for used Kia Sportage models within the price range of £7,879 to £13,895. As detailed, representative finance starts from £178 per month.