How to finance a Kia |

How to finance a Kia

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Returning customers and servicemembers may even be eligible for cash back.

You’ve probably spotted at least a dozen Kia Souls or Fortes zooming around town — and for good reason. The popular Korean car brand ranked number five in dependability according to a 2018 JD Power study. If you’re interested in getting behind the wheel of one of these reliable cars, you have a few financing options to choose from. And you may be able to score a discount if you’re a servicemember or current Kia owner.

Our top pick: Car Loans

  • Min. Credit Score Required: 300
  • APR: Varies by network lender
  • Requirements: Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
  • Easy online application
  • Fast response time
  • Bad credit, no credit OK

Our top pick: Car Loans

Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.

  • Min. Credit Score Required: 300
  • Requirements: Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.

How can I finance a Kia?

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):

  • Financing through KMF. Kia allows you to apply for credit to buy a new or used car through one of its licensed dealers. This comes with a few added benefits, like access to your FICO score and less hassle compared to shopping around at different lenders. In the past, Kia has offered deals like 0% APR financing for five years on the 2018 Optima and $4,000 cash back on the 2018 Sedona.*
  • Leasing through KMF. Leasing allows you to switch up your Kia every few years to ensure you always have the latest bells and whistles. While KMF leasing offers will vary depending on where you live, past promotions include leasing the 2019 Soul for $199 a month for three years and $1,999 due at signing.*

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.

Compare car loans for financing a Kia

Updated April 19th, 2019
Name Product Filter Values Minimum Credit Score Loan Term Requirements
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
Varies by lender
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Good to excellent credit
2 to 7 years
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Fair or better credit
From 2 years
Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
Lower your monthly car payments and save on interest through a fast and easy online application process.
Income of $2,000+/month, vehicle has less than 150,000 miles and is no older than 8 years, loan balance is between $10,000 and $100,000, debt-to-income ratio is less than 50%
Connect with a network of over 150 lenders to refinance your car loan.
Good to excellent credit
Varies by lender
Must be a US citizen and 18+ years old. Must have good to excellent credit.
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.

Compare up to 4 providers

Does Kia have any car-buyer programs or special discounts?

Yes, Kia offers special cashback deals and low-APR promotions to:

  • US military servicemembers, reservists, retirees and their spouses.
  • Residents of Alabama, Georgia and Florida whose cars were damaged by Hurricane Michael.
  • Car owners whose vehicles were damaged by the California wildfires during November 2018.
  • Returning customers who currently lease or own a Kia model.
  • Well-qualified buyers interested in a certified preowned Kia.

What will a new Kia cost me?

The total cost of your new Kia will depend as much on the manufacturer suggested retail price (MSRP) as your negotiating skills. Below are the starting prices for Kia’s latest models.

2019 Kia modelStarting MSRPBuildCity/highway MPG

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.

Compare car insurance rates for driving a Kia

Does a new Kia come with a warranty?

Yes, all 2008 and newer Kias come with its industry-leading warranties, including:

  • 10-year, 100,000-mile limited powertrain warranty.
  • Five-year, 60,000-mile limited basic warranty.
  • Five-year, 100,000-mile antiperforation warranty.
  • Five-year, 60,000-mile roadside assistance warranty.

Bottom line

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.

Frequently asked questions

Picture: Shutterstock

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site