There is a good finance offer for the Kodiaq - £2000 contribution if you take the Skoda finance. I, like many, have taken this offer to reduce the price of the car, with the only thought of repaying the loan in full after car delivery to avoid paying the interest. My only concern is are there any penalties for that, which may be equal to the whole interest for the loan period. I have heard that there are no such penalties, but would rather hear from someone who has actually done it? New Kodiaqs