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Used Kia Stonic on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

Getting a Kia Stonic on finance

  1. Research the Vehicle:

    • The Kia Stonic is a compact SUV, combining style, versatility, and a suite of modern features.
    • Familiarise yourself with the various trim levels and specifications. Look for elements that matter to you, such as infotainment options, safety features, and engine variants.
    • If you're considering a used model, pay attention to the year and any subsequent model updates or changes.
  2. Searching for a Used Model:

    • If you're in the market for a used Kia Stonic on finance, start with Kia's approved-used dealerships. These vehicles often come with extended warranties and have undergone manufacturer-standard checks.
    • Also, explore online platforms, local dealerships, and car supermarkets for availability and pricing.
  3. Finance Options:

    • Personal Contract Purchase (PCP): Start with an upfront deposit, followed by monthly instalments. At the end of the term, you can choose to pay a balloon payment to own the car, hand it back, or begin a new agreement.
    • Hire Purchase (HP): After a deposit, you repay the car's value through monthly instalments. Once all payments are made, the car is yours.
    • Leasing: Rent the Kia Stonic for a set period and then return it once the contract ends.
    • Personal Loan: Obtain a loan from a bank or lender to buy the car outright, then repay the loan in monthly instalments.
  4. Acquire and Compare Quotes:

    • Get finance quotes from Kia dealerships and independent finance institutions. Some providers may offer competitive rates for a used Kia Stonic on finance.
    • When comparing offers, consider the APR (Annual Percentage Rate) as a true reflection of the cost of borrowing.
  5. Your Credit Score:

    • Your credit score can influence the terms of your finance and the interest rate offered.
    • Before applying, check your credit standing with UK agencies like Experian, Equifax, or TransUnion. Correct any inaccuracies promptly.
  6. Budgeting:

    • Decide on a comfortable monthly payment based on your financial capabilities.
    • Remember, a larger deposit typically means lower monthly repayments.
  7. Review the Agreement:

    • If considering a PCP or lease deal, be aware of any mileage limitations.
    • Understand any fees or penalties related to early contract termination or surpassing the agreed mileage.
  8. Negotiate the Deal:

    • With the information you've gathered, try negotiating both the vehicle's price and the terms of finance. This might provide some leeway, even when seeking a used Kia Stonic on finance.
    • Remember to focus on the total cost over the term, not just the monthly payments.
  9. Complete the Purchase:

    • After settling on terms, complete the required paperwork.
    • Before signing, ensure you fully understand all terms and conditions.
    • Always keep a copy of the agreement and any related documentation.
  10. Insurance:

  • Before taking ownership of the Stonic, ensure you have adequate car insurance.
  • It's always beneficial to shop around for the best deal.
  1. End-of-Agreement Choices:
  • If on PCP: At the end, decide if you'll make the balloon payment, return the car, or initiate a new agreement.
  • With HP: After completing all payments, the car is yours.
  • For leases, be prepared to return the car in a condition that aligns with the agreement's stipulations.
  1. Other Costs to Consider:
  • Always budget for potential additional costs like road tax, maintenance, and fuel.

When looking to finance a vehicle, it's essential to ensure the chosen terms align with your financial situation and anticipated future changes. If ever uncertain, seek guidance from financial experts or trusted professionals.

About the Kia Stonic

The compact crossover segment is a fierce battleground, with a multitude of options vying for the urban driver's attention. Into this competitive mix, Kia introduced its contender – the Kia Stonic, aiming to capture the imagination of those seeking a blend of style, functionality, and value.

From Korea to the UK Streets: Unveiled in 2017, the Kia Stonic is a compact SUV that exudes youthful energy. With a name derived from combining 'Speedy' and 'Tonic', this car has been designed to appeal to a dynamic audience seeking agility and freshness in their rides. As it made its journey from Korea to the roads of the UK, it was clear that the Stonic aimed to cater to the unique tastes of the British market.

Design Meets Functionality: One of the standout aspects of the Stonic is its bold design. The car’s sporty silhouette is complemented by a range of vibrant two-tone colour options, giving owners a chance to personalise their vehicle to reflect their personality. But the Stonic isn’t just about looks. With ample boot space, advanced driver assistance systems, and a spacious interior, it ensures practicality isn't sacrificed.

Facing the Competition: In the UK, the Stonic competes with the likes of the Nissan Juke, Renault Captur, and SEAT Arona. However, Kia’s offering stands out with its balance of design aesthetics, features, and the brand's renowned 7-year warranty.

Final Thoughts: The Kia Stonic represents the brand's ambitious endeavour to capture a significant slice of the urban crossover pie. With its design-forward approach, balanced with practicality and complemented by finance-friendly options, it's poised as a compelling choice for the British driver.

Kia Stonic Data by County

Kia Stonic data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,010£14,955323,5832,035
Aberdeen City5£15,538421,91219
Aberdeenshire6£14,080430,7699
Angus5£12,295537,0099
Antrim1£13,950537,0002
Ards2£14,490321,9573
Ballymena3£10,797564,177-
Barnet - Greater London1£16,499327,173-
Bedfordshire12£15,902324,97920
Belfast6£14,874315,73715
Berkshire9£14,314421,63321
Blaenau Gwent2£16,199320,25911
Bristol3£13,516429,44311
Bromley - Greater London4£16,245316,10010
Buckinghamshire6£15,073418,65313
Cambridgeshire28£13,993428,83633
Cardiff5£15,508323,93313
Carmarthenshire15£14,645328,51813
Carrickfergus2£13,300435,6331
Ceredigion10£17,085221,09813
Cheshire26£15,540321,80953
City of Edinburgh14£16,126216,15432
City of London - Greater London30£14,837322,96640
Clackmannanshire2£17,29828,1661
Coleraine5£13,693421,3834
Conwy4£19,495416,4592
Cornwall1£12,750524,31616
County Durham19£15,168320,59713
Craigavon1£13,495410,8251
Croydon - Greater London3£19,76127,80512
Cumbria5£14,828323,32619
Denbighshire1£12,995426,8001
Derbyshire10£14,427324,47144
Devon19£15,324422,74750
Dorset10£16,836318,13615
Dumfries and Galloway1£13,495635,1151
Dundee City4£15,872314,0429
Dungannon1£11,999622,351-
East Ayrshire1£15,55229,4024
East Lothian1£14,000421,507-
East Riding of Yorkshire8£13,426423,1856
East Sussex14£14,525322,12225
Enfield - Greater London4£14,995415,91911
Essex15£14,677322,00947
Falkirk4£12,598432,235-
Fermanagh1£12,695547,8201
Fife14£20,798326,12149
Glasgow City14£16,022317,21625
Gloucestershire6£14,512324,6154
Greater Manchester53£15,234318,589104
Hampshire13£15,999317,29768
Havering - Greater London6£14,350319,24913
Herefordshire4£17,445316,45512
Hertfordshire30£15,706322,38160
Highland9£15,698324,63917
Hounslow - Greater London6£14,297315,9787
Inverclyde1£16,298111,8006
Isle of Anglesey1£10,999546,000-
Isle of Wight6£14,798428,1849
Kent37£15,859319,25182
Lancashire29£14,225425,82156
Leicestershire19£15,110322,99624
Limavady1£16,49511,000-
Lincolnshire29£14,044426,12973
Lisburn2£17,490315,1411
Merseyside18£14,751318,96344
Merthyr Tydfil2£14,013416,4512
Merton - Greater London1£5,9900134,000-
Monmouthshire2£16,645314,1126
Newport6£13,411426,03514
Newry and Mourne2£13,645517,3837
Norfolk20£18,037215,89127
North Ayrshire1£10,995649,0001
North Lanarkshire11£15,625323,85919
North Yorkshire20£16,576316,63152
Northamptonshire10£13,593534,05822
Northumberland6£15,066323,7849
Nottinghamshire17£14,807423,18443
Omagh1£13,590329,198-
Oxfordshire5£16,32637,83511
Pembrokeshire9£16,507318,8776
Perth and Kinross8£17,050321,43511
Powys2£20,99514,0781
Renfrewshire11£15,116319,60321
Rhondda Cynon Taf1£16,182315,3437
Shropshire7£14,649423,99013
Somerset9£14,821524,85928
South Ayrshire9£13,819428,67412
South Lanarkshire1£12,298621,55711
South Yorkshire18£14,309418,90531
Staffordshire30£13,937427,58551
Stirling8£16,119320,4098
Strabane1£16,590313,481-
Suffolk12£15,082422,57319
Surrey9£15,276322,67721
Swansea4£14,970423,80911
Tyne and Wear15£13,742432,45236
Warwickshire14£14,638421,89621
West Dunbartonshire1£11,998624,7046
West Lothian2£15,998312,8636
West Midlands42£15,260322,97490
West Sussex8£16,325313,18516
West Yorkshire30£14,854420,59269
Wiltshire20£16,571317,91425
Worcestershire7£16,112316,60025
Wrexham1£13,950339,400-
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