The Kia Sportage was Australia’s 15th best-selling vehicle in 2025, a mid-size SUV with a broad range and a long factory warranty that appeals to buyers keeping the car for years. New Sportage prices run from $38,490 to $60,370, and NIK Finance compares car loans across 130+ lenders to find the right one for you.
An estimate is fine. You can change it later.
| Kia Sportage | |
|---|---|
| New price (2026 range) | $38,490 to $60,370 |
| Body types | SUV |
| 2025 new sales | 19,137 (15th in Australia) |
Prices are list prices from Carsguide, based on Glass’s pricing data. Drive-away prices are higher once on-road costs such as registration and stamp duty are added.
The amount you borrow sets your repayments, and on a Sportage it depends mostly on the variant and your deposit. These are the loan amounts before on-road costs, which some lenders let you include in the loan.
| Price point | No deposit | 10% deposit | 20% deposit |
|---|---|---|---|
| Entry price ($38,490) | $38,500 | $34,500 | $31,000 |
| Middle of the range ($49,500) | $49,500 | $44,500 | $39,500 |
| Top of the range ($60,370) | $60,500 | $54,500 | $48,500 |
The Sportage range spans $21,880 from the entry variant to the top, so the variant you choose moves the loan far more than a small difference in interest rate. Settle on the variant and a realistic drive-away price first, then compare finance. Getting pre-approved before you visit the dealer lets you negotiate as a cash buyer and compare any dealer finance offer on equal terms.
See car loan pre-approval and new car loans.
Lenders finance used cars but limit how old a vehicle can be when the loan ends, so the model year affects the term you can get. Here is what earlier Sportages sell for, and how old each would be at the end of a 5- or 7-year loan.
| Model year | Used price range | Age at end of a 5-year loan | Age at end of a 7-year loan |
|---|---|---|---|
| 2023 | $24,860 to $51,920 | 8 years | 10 years |
| 2021 | $19,250 to $39,600 | 10 years | 12 years |
| 2018 | $10,450 to $46,860 | 13 years | 15 years |
Used prices are Glass’s pricing data via Carsguide and vary with kilometres, condition and variant. Read more about used car loans.
Set to the entry price of a new Sportage. Adjust the price, deposit, term, rate and balloon to see the repayments for the Sportage you want. Your actual rate depends on your credit profile and the lender.
$617.01 a month at 7.5% p.a.
Car loan rates range from under 6% to over 20% depending on your credit profile, and dealer finance is rarely the sharpest. Your Kreddi Score shows your approval odds and likely rate before you apply, so a decline never lands on your credit file.
Estimates use average lender assumptions and are not an offer of credit. Your actual position depends on which of our 130+ lenders assesses you.
A new Kia Sportage is listed from $38,490 to $60,370 for the 2026 range. With a 10% deposit you would borrow about $34,500 for the entry variant or $54,500 for the top variant, before on-road costs. The repayment calculator on this page shows what that costs each month at the rate you enter.
Yes. A 2023 Kia Sportage sells for about $24,860 to $51,920 used. Lenders also consider how old the car will be when the loan ends: a 2023 model would be 10 years old at the end of a 7-year loan, so an older Sportage may mean a shorter term.
Five years is the most common car loan term. A longer term lowers repayments but increases total interest. If you plan to keep the Sportage for many years, matching the term to how long you will own it avoids still paying for a car you have sold.
Yes. A joint application combines both incomes, which can help with a larger loan, but both people are fully responsible for the repayments.
Answer a few quick questions to see how lenders will view you for a Sportage, then get a broker’s call back with real rates. No credit check.
Sources
Last reviewed 18 October 2026
NIK Finance Pty Ltd (ACN 685 393 917) is a Credit Representative (567387) of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704). This page is general information only and does not constitute financial advice. Consider your personal circumstances and speak with a licensed broker before applying for credit.