KIA Sportage Loan Calculator

Our Loan Calculator display shows you how your KIA Sportage loan balance compares to the ongoing value of your vehicle. With financing, each monthly payment will reduce the balance of your loan. Unfortunately, during this same period, your vehicle's resale value will decline as well. The purpose of this tool is to show you how you can finance your Sportage to ensure that your loan balance declines faster than the value of your vehicle.

With your results below, the goal is to have the shaded area be entirely green. This likely means that the value of your vehicle will always be greater than your loan balance. If you see yellow or red, your loan balance at some point will be at or above the value of your vehicle. You want to avoid this as we describe here. For the best financial outcome, adjust your loan terms, or choose a vehicle that doesn't depreciate as rapidly.

KIA Sportage Loan Calculator

Vehicle Price
$
Trade-In / Down Payment
$
Interest Rate
%
Credit Score
Loan Period
Sales Tax Rate
%
Model Year
Expected Annual Mileage
tip: Update the price if you change the model year.      reset this form

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Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

KIA Sportage Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $23,187 $23,187 $0 (0%)
1 $22,454 $17,982 +$4,472 (20%)
2 $22,451 $12,401 +$10,050 (45%)
3 $21,778 $6,416 +$15,362 (71%)
4 $20,828 $0 +$20,828 (100%)

KIA Sportage Monthly Payment

Loan Term 48 Months
APR 6.99%
Paid in Full Nov, 2028
$555.13
Total Principal $23,187
Total Interest $3,456
Total Cost of Loan $26,643
$555.13
Loan Term 48 Months
APR 6.99%
Paid in Full Nov, 2028
Total Principal $23,187
Total Interest $3,456
Total Cost of Loan $26,643

KIA Sportage Loan Amortization

Month Interest Principal Balance
Dec, 2024 $135.06 $420.00 $22,767.00
Jan, 2025 $132.62 $423.00 $22,344.00
Feb, 2025 $130.15 $425.00 $21,919.00
Mar, 2025 $127.68 $427.00 $21,492.00
Apr, 2025 $125.19 $430.00 $21,062.00
May, 2025 $122.69 $432.00 $20,630.00

This KIA Sportage is expected to lose $2,359 of its resale value during the 48 months of this loan. Check out our KIA Sportage Depreciation Calculator for a detailed analysis of the Sportage's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Sportage has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Sportage model years to buy to get the best value.

Other KIA Sportage Costs of Ownership


Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major KIA Sportage costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses:

Used KIA Sportages For Sale

2019 Kia Sportage EX

Mileage: 43,822
Mileage: 43,822     Price: $16,998
Location: Sterling, VA ~ 3 miles away
Dealer: Stohlman Subaru Of Sterling
Days on Market: 371
Colors (ext/int): Pacific Blue / Black

$16,998


2024 Kia Sportage EX

Mileage: 1,410
Mileage: 1,410     Price: $26,588
Location: Sterling, VA ~ 3 miles away
Dealer: Stohlman Subaru Of Sterling
Days on Market: 149
Colors (ext/int): Ebony Black / Black

$26,588


2022 Kia Sportage LX

Mileage: 24,886
Mileage: 24,886     Price: $19,490
Location: Sterling, VA ~ 4 miles away
Dealer: Easterns Automotive Group
Days on Market: 122
Colors (ext/int): Black Cherry Pearl(Black) / Black

$19,490


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