6 Best Kia Sportage Models To Lease: 2020 Edition

The Kia Sportage

Kia might not be recognised as a brand that commands the allegiance and loyalty of other brands, what they do have however, is a 7 year / 100,000-mile warranty, some great looking vehicles, lots of standard specification and reasonable prices compared with alternatives like the Nissan Qashqai and Skoda Karoq.

This means that when you combine their low retail price + good residual value + dealer discount that they become a very good, cost-effective option over the course of their lifecycle. What we call in the industry the TCO, or total cost of ownership.

We gave the 1.6 CRDi 48V ISG 2 5dr DCT Auto a 9.2 / 10 in terms of value for money compared with other models in the range. This number is a pure mathematical equation, not our personal opinion.

So if you are searching for Kia Sportage car leasing deals, cheap car leasing, or just general car leasing comparison, the 1.6 CRDi 48V ISG 2 5dr DCT Auto is the best one to go for in terms of overall value for money.

We’ve selected the 4 best diesel models and the 2 best petrol models that we would actually recommend in this analysis, hence the limited number of options we’ve provided you. There are many more Kia Sportage models to pick from, but those are less favourable in terms of their overall value at the end of a lease, thus making them more expensive.

The Best Kia Sportage To Lease Is:

The 1.6 CRDi 48V ISG 2 5dr DCT Auto

The Best Alternative Kia Sportage To Lease Is:

The 1.6 CRDi ISG 2 5dr

Why We Picked The 1.6 CRDi 48V ISG 2 5dr DCT Auto

It has the lowest percentage of list at 2 years (25.3%), and it also has the 2nd lowest overall cost over the course of a 2 year lease (£6,588).

If you pick a longer-term, the monthly payments would be less, because you are spreading the cost of a depreciating asset, but if you want to get the most value for money, then it is best to get the 1.6 CRDi 48V ISG 2 5dr DCT Auto model.

Our analysis below hopefully provides you with a little direction on which vehicles are best. We absolutely encourage you to research the market yourself and qualify what we have analysed. You will have to make the judgment on whether the 1.6 CRDi 48V ISG 2 5dr DCT Auto model is worth it over the course of a 2 / 3 year lease compared with the rest of the line-up. For us, it is, but the decision ultimately rests with you.

Remember, at Car Leasing Guru, we do not review vehicles, we look objectively in terms of overall value for money. Use our free pricing system on the homepage, and we’ll tell you exactly what you should be paying to lease this car. We take an independent and impartial view of the market to show you what is fair.

Do We Always Pick Value For Money?

Generally, we will always look for the smallest amount you would pay over the course of the lease, at the same time we will also look at how much value the cheapest lease actually offers you.

There is no point in Car Leasing Guru suggesting the cheapest possible lease if all you get is a steering wheel and a windscreen, especially when you might be able to pay £10 per month extra and get a significant increase in the specification, exterior design, engine performance or economy. In this instance, that’s why we’ve picked the 1.6 CRDi 48V ISG 2 5dr DCT Auto model. It offers the most ‘value for money’ in our opinion.

See below for a detailed breakdown:

Car Leasing Guru Score

The Car Leasing Guru scoring system is based on the overall value a particular vehicle offers. I’ve included the definition for the category this model sits in. How this works & other scores

Kia Sportage 1.6 CRDi 48V ISG 2 5dr DCT Auto

Score:  9.2 overall.

Score: 9.0 to 10:

Unbelievable – Incredible value for money. Often high spec, high list price, small monthly payments. Insane, you should definitely look into leasing one of these! Any vehicle with a 9.0 and above should be added to your shortlist.

Kia Sportage:


There are four specifications to choose from in the Kia Sportage range. The base model ‘Sportage 2’ up to the ‘GT-Line S’. The ‘Sportage 2’ model easily offer the best value for money when looking at the entire range.

The ‘Sportage 2‘ model gets:

  • 17″ alloys
  • reversing camera
  • Android auto and apple car play
  • lane keep assist
  • 7″ touchscreen sat nav
  • dual automatic air-con
  • heated front and rear seats
  • high beam assist

The ‘Sportage 3‘ model everything the Sportage 2 gets, PLUS:

  • 19″ alloys
  • LED front and rear lights
  • 10-way driver / 8-way passenger adjustable seats
  • 8″ touchscreen sat nav
  • black leather upholstery
  • panoramic sunroof
  • blind spot collision warning

The ‘Sportage GT-Line‘ gets everything the Sportage 3 gets, PLUS:

  • 19″ alloys (different style to the Sportage 3)
  • LED Bi-Functional headlights with auto levelling/adaptive lighting
  • Start/stop  button w/keyless entry
  • reversing camera
  • LED front fog lights
  • dual exhaust
  • black headlining

The ‘Sportage GT-Line S‘ gets everything the GT-Line gets, PLUS:

  • 19″ alloys (different style to the GT-Line)
  • panoramic sunroof
  • 360-degree camera
  • power tailgate
  • wireless phone charger
  • 8-speaker JBL sound system

On The Road (OTR) Price

There are a lot of different On The Road (OTR) prices that cover every spectrum of the Kia Sportage lineup, but we are only looking for the absolute cream of the crop, which is why we have concentrated on the 6 best models in the range in terms of value for money.

You can see the OTR prices for the models we’ve selected below.

Kia Sportage Prices

On The Road Price Vs Lease Cost

Remember, at Car Leasing Guru we do not review vehicles, we look at value for money.

The cheapest diesel model we’ve selected costs; £24,085. This is the 1.6 CRDi ISG 2 5dr.

The next logical step up from that is the 1.6 CRDi ISG 2 5dr DCT Auto. (Automatic version of the model above)

Let’s see what we’re getting for our money and whether it’s worth it…

As you can see from the graph above, there is a £1,500 difference between the two vehicles from the manufacturer’s list price.

What Does That Mean?

It means that you may be thinking you’ll need to pay an extra £1,500 over the course of a lease in order to get that vehicle…

That’s incorrect.

You pay a proportion of that value. The more desirable the items in the vehicle, the more value is assigned to those items in the 2nd hand market.

The Automatic models hold (proportionally) a lot more value than you would otherwise think it would do.

The Numbers!

Take a look at the graphs below. Notice anything? Specifically, look at the numbers at the top of the ‘Total Lease Cost’ graph for a 24-month lease @ 10,000. 

1.6 CRDi ISG 2 5dr | £6,454


1.6 CRDi ISG 2 5dr DCT Auto | £6,867

Difference = £413

Now look at the On The Road (OTR) graph below

1.6 CRDi ISG 2 5dr | £24,085


1.6 CRDi ISG 2 5dr DCT Auto | £25,585

Difference = £1,500

Kia themselves charge £1,500 extra for the privilege of leasing the Automatic model.

You would only pay an extra £17.20 over the course of a 2 year lease in order to get the automatic model, even though Kia themselves charge an extra £1,500.

The point here is that you may think in a lot of cases that you’ll be paying more overall because a vehicle is more expensive to buy at retail (£1,500 more in this case). The numbers above prove that is not the case, and you can actually get a vehicle that’s more expensive, for a small proportion of the actual cost of the vehicle. (£413).

This is why Car Leasing Guru exists, so we can show you exactly where to save money, and get more value. It is also why we recommend the 1.6 CRDi 48V ISG 2 5dr DCT Auto model overall. You get the most “bang for buck”.

FYI: Mileage is calculated per annum. 24 m 20k2 = 24 months @ 40,000 miles.

Kia Sportage Total Lease Cost

The 1.6 CRDi 48V ISG 2 5dr DCT Auto Vs Peers

Let’s look at this in a different way.

I’m going to select two other vehicles, but this time, it will be the Sportage we recommend overall, and the best alternative.

Look at the graph below, specifically the 1st and 2nd columns, (1.6 CRDi 48V ISG 2 5dr DCT Auto vs The 1.6 CRDi ISG 2 5dr) and you’ll be able to see how proportional “value” is assigned to that vehicle. You can do this same exercise for the other vehicles in our charts too as well. Try it yourself and you’ll be able to see how much more you can get for your money.

The difference between these example models is the automatic gearbox and mild-hybrid technology (48v).

Example models:

On The Road Price

The 1.6 CRDi ISG 2 5dr | £24,085


1.6 CRDi 48V ISG 2 5dr DCT Auto | £26,035

The difference in the On The Road Price = £1,950

Next, we’ll look at how much you would pay over a 2 year lease, doing 10,000 miles a year. (use graph below as a reference)

Total Lease Costs

The 1.6 CRDi ISG 2 5dr | £6,454


1.6 CRDi 48V ISG 2 5dr DCT Auto | £6,588

The difference in the Total Lease Cost (over 2 years) = £134

Monthly payment: £134 / 24 months = £5.58

Lots of different numbers going on there, so let me explain.

What this tells us is that there is an OTR price difference of £1,950 between the two vehicles, but you would actually be spending an additional £134 over the course of the lease.

The Mild-Hybrid/Auto model looks to have quite a significant Residual Value benefit. Maybe the manual gearbox is absolute rubbish, or it could be that the Mild-Hybrid tech is more sought after in the future 2nd hand market. Could be a combination of things, but it’s good news for you, the customer, because you’ll only pay a fraction of the cost in order to get the mild-hybrid version. You’ll just need to see if it fits your overall needs.

What Is The Percentage Of List?

The ‘percentage of list’ is the difference between the capital cost (OTR price) and the Residual Value (RV). This shows, at a glance, exactly where value is attributed as a percentage. The lower the number, the better the percentage of list. This is usually a good indication of “value for money”.

Looking at the percentages within the graph below, you can see that they run anywhere between 25-29% or so for a 2 year lease, up to 33-37% on a more realistic 3 year lease. This means you will be paying between 25% to 29% of the total value of that vehicle before you hand it back. You can pay substantially more depending on which model you pick if it is undesirable in the 2nd hand market…

Leasing companies normally don’t read the percentage of list in this way, they actually read it in the opposite way. They would say that the vehicle has 65% of its value left, not that someone would spend 35% of the vehicle’s value. This is because they want to know what the value of the vehicle is at the end of its lease and make any adjustments where necessary from a financial risk perspective. Just makes the calculation easier on their end.

The percentage can give you a good indication of “value” but it also needs to be double-checked against the ‘On The Road’ price. Otherwise, a Ferrari would look like good value for money if we didn’t double-check the overall price and only looked at the percentage of list…

Kia Sportage Percent Of List

*miles per annum (e.g. 24m / 20k = 40,000 miles)

Is This Why Residual Values Are So Important?

Yes. The RV is the price/value that’s assigned to a vehicle at the end of its useable life.

From a leasing perspective, the end of its useable life is at the end of its term, be it 36 months/48 months etc.

A leasing company is simply going to sell that vehicle at the end of the term, and it’s going to have another life with another customer.

Specific optional or standard equipment and/or combinations of those are assigned a ‘value’ at a particular point in the vehicles life, the more meaningful the items, the more residual value is assigned to them.

Always try to pick vehicles with desirable 2nd hand specification (leather seats, climate control etc). This will provide you with a vehicle that should fulfil your ownership needs, whilst also minimising the financial risk to a leasing company/bank.

Thank You!

This is just some basic analysis that will hopefully help you understand the value of a 2020 Kia Sportage lease a little better.

2020 Kia Sportage Car Leasing Comparison | Price Guide

The Car Leasing Guru Team