Motoring Today

Kia Sportage under £400 per month

10 used Kia Sportage listings from £147/mo under £400 a month, with real broker quotes. Tap any "£X /mo" to see that dealer's full representative example. Finance is subject to status; terms and conditions apply.

There are 8 Kia Sportage models available for under £400 per month, as of 18 September 2026. This selection typically buys you a Sportage with monthly payments starting from £142, and cash prices ranging from £5,995 to £13,895. The representative finance examples for these cars are based on a 0% deposit over 60 months, with a 13% APR, using a Hire Purchase (HP) agreement. This means you own the car outright once all payments are made. The Kia Sportage is a popular choice in the highly competitive family SUV market, known for its practical design and extensive features. Finance is subject to status, and the specific terms for each vehicle may vary depending on the dealer and your individual circumstances.

In stock
10

Live Kia Sportage listings

From / month
£147/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

KIA Sportage
Above market

KIA Sportage

2016 2 Isg

PetrolManual91,761 mi2016
Band F · £225/yr
£147/mo
£6,495
cash

Car-pod Ltd·4.9 (172)· North Baddesley

KIA Sportage
Good price

KIA Sportage

2018 2 Crdi Isg

DieselManual101,631 mi2018
£200/yr
£159/mo
£6,995
cash

Car-pod Ltd·4.9 (172)· North Baddesley

KIA Sportage
Good price

KIA Sportage

2016 3 Isg Crdi

DieselManual89,000 mi2016
Band C · £35/yr
£179/mo
£7,995
cash

NG9 Motors·4.5 (90)· Nottingham

KIA Sportage
Great price

KIA Sportage

2018 2 Isg 4x4

PetrolManual96,589 mi2018
£200/yr
£182/mo
£7,846
cash

Cobalt Motors·4.5 (153)· Gosforth

KIA Sportage
Great price

KIA Sportage

2023 2 Isg

PetrolManual83,000 mi2023
£200/yr
£241/mo
£10,995
cash

Hanworth Autos Ltd·4.0 (28)· Feltham

KIA Sportage
Great price

KIA Sportage

2017 2 Crdi Isg Semi-auto

DieselAutomatic60,928 mi2017
Band D · £170/yr
£208/mo
£9,495
cash

SWS Car Sales Ltd·3.7 (124)· Cobham

KIA Sportage
Above market

KIA Sportage

2018 2 Isg

PetrolManual56,000 mi2018
£200/yr
£219/mo
£9,495
cash

Protheroes·4.4 (74)· Market Harborough

KIA Sportage
Above market

KIA Sportage

2020 2 Crdi Isg Mhev

DieselManual40,000 mi2020
£200/yr
£279/mo
£12,490
cash

Protheroes·4.4 (74)· Market Harborough

KIA Sportage
Good price

KIA Sportage

2016 Gt-line Semi-auto

PetrolAutomatic31,990 mi2016
Band H · £325/yr
£295/mo
£13,195
cash

RMB & Son Motors·4.6 (25)· Ross-On-Wye

KIA Sportage

KIA Sportage

2018 Gt-line Semi-auto

PetrolAutomatic40,390 mi2018
£200/yr
£307/mo
£13,190
cash

Ezy Access·4.5 (248)· South Ruislip

Frequently asked questions

What deposit is needed to get a Kia Sportage for under £400 a month?
A representative finance example for a Kia Sportage is based on a £0 deposit over 60 months at 13% APR. This is a representative example, and finance is subject to status. A larger deposit would typically lower your monthly payments.
Does my credit score affect the monthly payment for a Kia Sportage?
Yes, your credit score can affect the monthly payment. The finance rates quoted are representative, and the personal APR offered depends on your individual credit history and affordability checks.
Should I choose HP or PCP for a Kia Sportage on this budget?
HP involves paying off the full car value to own it at the end of the agreement, while PCP defers a portion of the value as a balloon payment, giving you options to return, exchange, or buy. Motoring Today's comprehensive PCP vs HP finance guide covers these options in full.