Kia Car Finance Deals

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  • Freedom to Choose Different Types of Vehicles
  • Fixed Interest Rates
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  • Flexible Terms
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Kia UK Limited is well-known for being reliable, efficient, and practical. This makes it a top choice for drivers in the UK. If you want a small city car, you can look at the Kia Picanto. For a family-friendly SUV, there is the Kia Sportage. If you prefer something more luxurious, you can consider the Kia Sorento. Kia finance deals help make it easier to own a Kia. You have options like Personal Contract Purchase (PCP), Hire Purchase (HP), and Personal Motor Loans. These choices let you find the right payment plan that fits your budget and needs.

Key Facts

  • In 2022, Kia sold over 95,000 cars in the UK. The Sportage was one of the top-selling models.
  • Kia gives a great 7-year/100,000-mile manufacturer’s warranty on all new cars.
  • Over 60% of Kia cars in the UK are bought using flexible finance options like PCP and HP.
Average Price of Popular Kia Models

Popular Kia Models on Finance

Kia Sportage

The Kia Sportage is a well-liked SUV. It has a roomy inside, modern tech, and several engine choices like petrol and hybrid. It's a great Kia for families or anyone looking for a dependable SUV.

  • PCP finance: You can have lower monthly payments. At the end of the contract, you can choose to upgrade, return, or pay the optional final payment.
  • HP finance: You can split the cost over time. When you finish all the payments, the car becomes yours, with no concerns about mileage limits.

Kia Picanto

The Kia Picanto is a small city car that saves fuel very well. It is great for driving in the city. Its small size helps you get through tight spots easily. Plus, it provides a comfy and fun ride.

  • PCP finance: You can choose flexible payment options. At the end of the contract, you can return or upgrade the car.
  • HP finance: You have fixed monthly payments. This helps you manage costs and own the car at the end of the agreement.
Average Price of Popular Kia Models

Kia Sorento

The Kia Sorento provides a comfortable and roomy ride. It's perfect for people who want a bigger car with modern features.

  • PCP finance: You can enjoy low monthly payments. At the end of the agreement, you have choices. You can return the vehicle, pay the optional final payment, or upgrade to a new model.
  • HP finance: There are no mileage limits and you have fixed monthly payments. This option lets you spread the vehicle's cost over time.

Kia PCP Finance

Personal Contract Purchase (PCP) is a popular way to finance a Kia in the UK. It allows for lower monthly payments. You only pay for the car’s depreciation, not the entire cost. At the end of the contract, you can:

  • Bring back the car without any extra charges, as long as it meets the mileage and condition requirements.
  • Make the optional final payment to fully own the car.
  • Exchange it for a new Kia model.

PCP is great for drivers who want to drive a new model every few years without buying it right away. Very popular Kia models, like the Sportage and Picanto, have good resale values. This makes PCP a smart option for many drivers in the UK.

Compare Monthly Car Finance Deals

When searching for the best pay monthly car offers, it's essential to consider factors such as the annual percentage rate (APR), deposit contribution, and the length of the finance agreement.

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Kia HP Finance

Hire Purchase (HP) is an easy way for drivers to buy a car. In this plan, you own the car fully when the contract ends. With HP finance:

  • You will pay a set amount every month for a certain time.
  • Once you make the last payment, the car is yours. There are no limits on mileage or any additional payments.

HP finance is great for drivers who drive long distances and want to keep their car for a long time. Many people choose HP to finance popular models like the Kia Sorento and Kia Niro. These cars are known for their strength and lasting value.

Kia Finance Calculator

Our Kia finance calculator helps you figure out your monthly payments. It considers things like the amount you want to put down, the APR, the length of the loan, and the model of your dream Kia car. This tool is great for budgeting. It will help you find the best car finance offer that suits your needs.

Bad Credit Kia Finance Options

Even with bad credit, you can find ways to finance a new Kia. Special lenders and Hyundai Capital UK Limited provide finance plans designed for customers with lower credit scores. With these options, you can still secure a personal contract purchase or hire purchase agreement for either a used or new Kia.

Distribution of Kia Options

Flexible Payment Options and Terms

Kia finance deals offer flexibility. You can choose from different deposit options and payment terms to fit your budget. There are plans with zero deposit and low APR options. You can customise your Kia finance plan to meet your needs.

  • PCP finance deposit contribution: You can benefit from deposit contributions provided by Kia UK Ltd or credit brokers to lower your upfront costs.
  • Mileage limits: PCP agreements have mileage limits. Extra charges will apply if you go over these limits.

With these flexible options, you can drive away in a new Kia feeling good. You can feel sure that your finance agreement works for you.

End of the Contract Options

At the end of your finance agreement, there are several ways you can move forward:

  • Bring back the vehicle in good condition and stay within the mileage limits we agreed on.
  • Make the optional final payment if you want to own the car completely.
  • Trade in the vehicle for a new Kia model with a new finance agreement.

These options at the end of your contract let you pick what is best for your money needs.

Understanding the Fine Print

It’s important to know the complete terms of your credit agreement. This includes how much commission your lender or credit broker might earn. Also, pay attention to any exclusions. Be sure to read the firm reference number and other important details from the Financial Conduct Authority.

Refinance Car Loan: Lower Your Rates Today

Refinancing can save you money in the long run and allow you to adjust the loan term to fit your current financial situation.

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Use Our Kia Finance Calculator

Our Kia finance calculator is a simple tool. It helps you figure out your monthly payments. This way, you can make smart choices when picking the perfect Kia. Whether you’re interested in the Kia Sportage, Kia Sorento, or the small Kia Picanto, this calculator shows your financing choices clearly. You can check out different plans. These include Personal Contract Purchase (PCP), Hire Purchase (HP), or a Personal Motor Loan. You can see which one works best for your budget.

How to Use the Kia Finance Calculator:

  1. Choose Your Kia Model: Pick the new Kia or used Kia you want to finance. This can be the handy Kia Sportage or the fuel-saving Kia Picanto.
  2. Enter Your Deposit: Type in the PCP finance deposit contribution or personal deposit amount. This will show how it influences your monthly payments.
  3. Select Loan Term: Decide on the loan length. It usually ranges from 24 to 48 months. This will give you the total cost and monthly payments.
  4. Set Your APR: Enter the Annual Percentage Rate (APR) based on your finance agreement. This helps you calculate the interest costs.
  5. Estimate Annual Mileage: If you are going for a PCP deal, the calculator lets you guess the mileage of the vehicle. This way, you can make sure to stay within the agreed limits.

The calculator helps you quickly see your monthly payments. This makes it simpler to compare options like PCP, HP, or a personal motor loan. You can change factors like your deposit and mileage to find the best financing plan for you.

Use our Kia finance calculator to understand how you can manage the costs of your dream Kia car. It works for both new Kia and used Kia. The calculator gives you clear information. This way, you can find a deal that matches your budget and lifestyle. It’s great for anyone who wants clear credit agreements, fixed monthly payments, and flexibility when the contract ends.

Important Considerations When Financing a Kia

When buying a new Kia Sportage or any other Kia model, there are some important things to think about. If you are in Surrey, England & Wales, or anywhere in the United Kingdom, it's important to know the finance terms and fees. This will help make your purchase go smoothly.

Minimum Customer Deposit

For many retail sales deals, you need to pay a minimum customer deposit to hold your vehicle. This deposit will impact your monthly payments and the total amount of your finance agreement. By changing the deposit amount, you can often reduce the interest rate or the final outstanding loan balance. This makes it simpler to manage your budget over time.

Fixed Fee and VAT

All finance agreements have a fixed fee, which you can find clearly stated in your contract. Also, VAT (Value Added Tax) is added to the price of your new Kia. The amount of commission received by dealers is not included in these fees. Make sure to read the full terms of your agreement. This will help you understand how these fees impact the total cost of your Kia.

Credit Broking and Financing

We work with several credit broking firms in the United Kingdom. They help offer finance options that are just right for you. These brokers can find good deals for different methods. This includes Personal Contract Purchase (PCP) and Hire Purchase (HP). Before you sign any agreement, make sure you get prior notice. This notice should include key terms like the APR, if you need to pay a deposit, and the total repayment amount.

Financing the Kia Sportage Shadow Edition

One popular choice is the Kia Sportage Shadow Edition. It is well-known for its stylish look and smart features. If you are thinking about the purchase of a new Kia Sportage, make sure to check out financing options. These can help you have low down payments and flexible terms. This way, you can easily manage your payments on a regular basis.

Regular Finance Reviews and Outstanding Loan Balances

It’s important to check your finance agreement often. This way, you can be sure you are keeping up with your payments. If you need to, you can ask for a review of your outstanding loan balance. This will help you see if there are any changes or options for paying off your loan early.

FAQ

Yes, you can settle early for both PCP and HP agreements. However, there may be further charges.

At the end of your PCP agreement, you can choose from a few options. You can return the car, pay the optional final payment to own it completely, or trade it in for a new Kia model.

Yes, there are finance options for customers who have bad credit. This lets you drive a new or used Kia.

Car Finance Options for Popular Car Makes

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Page last updated on: 23/10/2024

Page reviewed by: Andrea Troy

4000+ reviews