The best used Skoda Kodiaq finance deals

Use our Skoda Kodiaq finance calculator to compare PCP and HP payments on the exact car you want - using a URL, a registration number, or just the make and model. Skoda dealerships often mark up their finance rates to boost their profits. At Prefinance, we cut out the middleman. You find the Kodiaq on AutoTrader, Motors.co.uk, or anywhere else and we provide the funding at a rate that beats the dealer. Rates starting from 7.9% - Representative APR 8.9%.

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Why choose an Skoda Kodiaq?

The used Skoda Kodiaq carves out a unique and highly desirable niche in the pre-owned SUV market. It stands out as a remarkably versatile and practical seven-seater that doesn't compromise on quality or driving enjoyment. Perfect for growing families, adventurers needing ample space, or anyone seeking a robust and reliable SUV without the premium new car price tag, the Kodiaq offers an intelligent blend of spaciousness, sophisticated design, and everyday usability.

Under the bonnet, used Kodiaqs often feature a range of efficient yet punchy engines, such as the 1.5 TSI petrol or the 2.0 TDI diesel, offering a good balance of acceleration and fuel economy. Many models come with the smooth DSG automatic gearbox and optional 4x4 drivetrain, enhancing both performance and handling across various conditions. Inside, the Kodiaq impresses with its high-quality materials, thoughtful ergonomics, and a host of technology like the intuitive infotainment system with Apple CarPlay/Android Auto, and advanced driver-assistance systems. As a used purchase, the Kodiaq represents exceptional value, providing premium features and space often found in more expensive rivals, but at a significantly more accessible price point. Its reputation for reliability and solid build quality further cements its position as a smart long-term investment.

Financing a Kodiaq:

Financing a ŠKODA Kodiaq makes excellent financial sense, and here's why. The Kodiaq boasts strong residual values and high desirability, meaning it holds its value well over time. This is fantastic news for PCP (Personal Contract Purchase) finance customers, as strong residual values often translate to lower monthly payments.

With competitive APR rates starting from just 7.9% and a representative APR of 8.9%, getting behind the wheel of a Kodiaq is more affordable than you might think. We offer flexible terms and can fund Kodiaq models of various ages. Our advanced comparison technology works tirelessly to find the best lender and finance deal tailored specifically to the Kodiaq you choose. Why not try a comparison today and discover just how accessible Kodiaq ownership can be?

Skoda Kodiaq finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any Skoda Kodiaq with our free PCP and HP calculator. Why accept a high 12.90% APR from a dealer? Here are the facts based on our user's comparisons: We save on average £19.27 per month on used Skoda finance deals.

Prefinance logoAverage dealer
Representative APR 8.90%11.02%
Monthly payment £340£359
Total payable £15,024£15,933
Monthly saving £19N/A

Statistics based on a sample size of 18 real Skoda finance calculations and comparisons from 12/1/2025 to 2/12/2026. Data last updated on 2/12/2026

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Latest Skoda Kodiaq finance quotes

We compare multiple brokers and their lenders to find you the very best deal. You get to buy the same car for same price, but with lower payments.

Price Rep. APR Monthly payment GFV or Final payment Monthly saving
1.5 TSI ACT SportLine DSG Euro 6 (s/s) 5dr (7 Seat)
44,046 miles
16th Sep 2026
More details
£23,089
£2,324 deposit over 48 months
8.9% £340.35 £10,145.13 £45.12
1.5 TSI Sport Line 5dr DSG [7 Seat]
8th Sep 2026
More details
£25,495
£1,500 deposit over 48 months
8.9% £326.62 £15,457 £31.43
1.5 TSI e-TEC SE L 5dr DSG [7 Seat]
25th Aug 2026
More details
£27,349
£2,800 deposit over 48 months
8.9% £605.74N/A £54.97
1.5 TSI e-TEC SE L 5dr DSG [7 Seat]
25th Aug 2026
More details
£27,349
£2,800 deposit over 36 months
8.9% £775.58N/A £53.63
1.5 TSI iV 204 SE 5dr DSG
25th Aug 2026
More details
£29,295
£3,000 deposit over 48 months
8.9% £361.47 £16,740 £34.31
1.5 TSI iV 204 SE 5dr DSG
2nd May 2026
More details
£29,490
£10,000 deposit over 24 months
8.9% £886.43N/A £41.76

Calculations based on the last 6 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.

Frequently asked questions

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