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Finance your Kia

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Kia Car Finance Options

For those who prefer traditional methods of financing, Kia offers standard auto loans with competitive interest rates. The terms of these loans can be customised based on the purchaser’s financial capabilities and preferences. This is an ideal option for those who plan to own their Kia vehicle for a long time and want to build equity.

For those who prefer lower monthly payments and enjoy driving a new car every few years, Kia’s lease agreements might be a better fit. In a lease agreement, you only pay for the depreciation of the car over the lease term, rather than its entire cost. This can significantly lower your monthly payments. At the end of the lease term, you have the option to return the car, purchase it at a predetermined price, or lease a new one. Personal Contract Purchase (PCP) adds another layer of flexibility. This finance option allows you to make lower monthly payments by deferring a part of the car’s cost to the end of the agreement. You then have the choice to pay the final amount and own the car, part-exchange it for a new one, or simply return it to Kia.

Choosing the right Kia model

The Kia range offers a model for every need and lifestyle. From the compact and city-friendly Kia Picanto, to the award-winning, fully-electric Kia Soul EV, your options are diverse. If you prioritise fuel efficiency and environmental friendliness, consider Kia’s hybrid or electric vehicles. If performance and power top your list, explore models like the Kia Stinger. Your choice should align with your lifestyle, driving habits, and personal preference.

Kia has consistently been recognized for its exceptional design, advanced technology, and high safety standards. Moreover, with Kia’s industry-leading 7-year warranty, you can have peace of mind knowing your investment is protected. Whether you need a family-friendly SUV like the Kia Sorento, or a versatile hatchback like the Kia Ceed, Kia’s line-up has you covered. Consider your budget, your vehicle usage, and your desired features when selecting your model.

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Frequently asked questions

Kia’s 7-year warranty is a comprehensive and industry-leading warranty that demonstrates their confidence in the quality and reliability of their vehicles. It provides coverage for every new Kia car for up to 7 years or 100,000 miles, whichever comes first. This warranty covers various components and systems of the vehicle, including the engine, transmission, drivetrain, steering, suspension, and electrical systems. It also includes roadside assistance, which offers support in case of a breakdown or emergency situation.

Financing a Kia involves taking out a loan to purchase the vehicle. When you finance a Kia, you become the owner of the car, and you make monthly payments to repay the loan over a predetermined period. Once the loan is fully repaid, you own the vehicle outright.

Leasing a Kia, on the other hand, is more like renting the vehicle for a specific period, typically 2 to 4 years. During the lease term, you make monthly payments to cover the vehicle’s depreciation and any additional fees. At the end of the lease, you have the option to return the car, lease a new one, or purchase the vehicle at a predetermined price known as the residual value.

Kia’s Personal Contract Purchase (PCP) is a flexible finance option that offers lower monthly payments compared to traditional financing. With PCP, a portion of the car’s value is deferred until the end of the agreement, resulting in reduced monthly payments. At the end of the PCP agreement, you have three options:

  1. a) Pay the final amount (known as the balloon payment) and own the car outright.
  2. b) Part-exchange the vehicle for a new Kia model, using any equity from the current vehicle as a deposit.
  3. c) Return the car to Kia, subject to mileage and condition restrictions, and walk away from the agreement without any further obligations.

Yes, it is usually possible to extend your lease agreement with Kia upon its maturity, subject to approval by Kia Finance. The extension options may vary depending on the specific terms of your original lease agreement and the policies of Kia Finance. It is advisable to contact Kia Finance directly to discuss the available options and any associated costs.

Kia Access is a form of Personal Contract Hire (PCH) that provides an alternative to traditional vehicle ownership. With Kia Access, you lease a Kia vehicle for a fixed period, typically 2 to 4 years, and make monthly rental payments. At the end of the lease term, you return the vehicle to Kia, and you have the option to lease a new Kia model. This service allows you to regularly update your vehicle, providing flexibility and convenience without the responsibilities of ownership.

Yes, Kia offers finance options for Certified Pre-Owned (CPO) Kia vehicles. These CPO vehicles go through a rigorous inspection process and come with a detailed vehicle history report, providing added peace of mind. Kia’s finance options for used vehicles may vary, but they generally offer competitive rates and flexible terms to help make purchasing a used Kia more affordable and convenient.

Kia’s Business Contract Hire is a tailored finance solution designed specifically for businesses. It is a fixed-rate and tax-efficient leasing option that allows companies to lease Kia vehicles for a fixed period, usually between 2 to 4 years. With Business Contract Hire, businesses can benefit from having access to new Kia vehicles without the financial commitment and responsibilities of owning the vehicles outright. At the end of the contract, the vehicles are returned to Kia, providing flexibility for businesses to upgrade their fleet.

Yes, Kia offers finance options for all their models, including hybrid and fully electric vehicles. Kia’s finance options for electric and hybrid models aim to make owning environmentally friendly vehicles more accessible and affordable. These options may include competitive interest rates, flexible terms, and potential incentives or rebates for eco-friendly vehicles, depending on the region and local regulations. By providing financing options, Kia encourages the adoption of electric and hybrid vehicles and supports sustainable transportation solutions.

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