Editor's choice: Carvana
- Most credit types welcome
- 45-day preapproval
- Seven-day guarantee
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When you’re looking to buy a new or used Kia, comparing your financing offers first can help you score a better deal. The cheapest way to go is likely taking out a car loan from an online lender, bank or credit union. Filling out preapproval forms with several lenders can give you an idea of what terms you may qualify for to help you find the lowest rate. Another option is comparing personal loan offers. However, rates will likely be higher since your loan won’t be secured by the car you’re buying.
If you’re looking for the financing option with the fastest turnaround, then going directly through an authorized Kia dealer is likely your best bet. Though you can usually secure financing and drive your new car home the same day, you often end up paying more in interest than you would by taking out a car loan from an outside lender. Here are your two options when applying through Kia Motors Finance (KMF):
Local dealerships may offer their own special deals as well. As with all loans, the exact rates and terms you qualify for will depend on your credit and financial situation.
*Rates as of November 30, 2018.
Yes, Kia offers special cashback deals and low-APR promotions to:
While you can expect to pay $15,000 to over $31,000 for a 2019 model, the total cost of a new Kia will depend on any add-ons you select as well as your negotiation skills.
How much you actually end up paying will vary based on where you live, what promotions you qualify for and your haggling skills. Since these are the costs of Kia’s brand-new models, you’ll likely be able to score a lower price on a used model.
Yes, all 2008 and newer Kias come with its industry-leading warranties, including:
Kia’s budget-friendly prices, industry-leading warranties and award-winning reliability ratings make it a popular choice for car buyers. You have a few different financing options to consider — from traditional car loans to applying directly through Kia. And depending on if you’re a servicemember or have been affected by recent natural disasters, you may be able to get a special deal.
To learn more about the car-buying process and compare lenders, check out our guide to car loans.
Pictures: Shutterstock and KIA’s official page
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