Looking to get behind the wheel of a new or certified pre-owned Kia?
Kia’s financing options are designed to make the process quick, flexible, and tailored to your budget — whether you want to buy, lease, or explore special financing offers.
Tips and insights to help you get pre-approved, understand loan terms, and budget confidently before you shop.
Explore quick, reliable insurance options that can be bundled with your financing — all in one smooth process.
Use smart tools and real-time pricing data to negotiate confidently and secure a better offer from dealers.
Get an accurate estimate of your current vehicle’s worth and apply it toward your next purchase with ease.
-
Auto Financing:+
The Kia Auto Financing (often provided in partnership with companies like TrueCar) is designed to help U.S. consumers research new and used vehicles. You can typically see what others have paid for cars you’re interested in, access upfront pricing information from a network of certified dealers, and browse extensive inventory.
-
Preparing for Your Auto Financing+
Progressive provides helpful articles and resources (often under “Kia Auto Financing”) to help U.S. consumers understand the auto financing process. Key terms to know include: Annual Percentage Rate (APR), Loan Term and Down Payment.
-
Seamlessy Insure Your Vehicle with Ford Financial Services+
Once you’ve found your car and secured your financing, Kia Auto Financing makes it easy for U.S. customers to get the auto insurance coverage you need. You can quickly get a quote online or over the phone and, in many cases, start your policy or add your new vehicle to an existing one right away.
-
Leveraging the Car Shopping Service for a Better Deal+
The Kia Auto Financing Car Shopping Service provides tools to help you get a fair price. By seeing what others paid and accessing upfront pricing from certified dealers, you can approach negotiations with more information.
WHY KIA FINANCING IS WORTH CONSIDERING 💡
Convenient online pre-qualification with a soft credit check, so there’s no impact on your score
Powered by Kia Motors Finance for fast approvals through authorized dealerships
Special APR offers and cash incentives available on select models
Flexible terms — typically from 24 to 72 months
Loyalty programs for returning Kia customers, with extra discounts or rewards
HOW KIA FINANCING WORKS 🛠️
- Pre-Qualify Online — Quick application, soft pull on credit
- Choose Your Kia — New or certified pre-owned models from an authorized dealer
- Decide: Lease or Buy — Leasing offers lower monthly payments; buying builds equity
- Customize Your Plan — Select term length, down payment, and optional protections like gap insurance
- Finalize at the Dealership — Sign your financing agreement and drive off
DOCUMENTS TO BRING 📄
- Valid driver’s license
- Proof of income (pay stubs or tax forms)
- Proof of residence (utility bill or lease)
- Auto insurance info
- Title of trade-in vehicle (if applicable)
KIA FINANCING VS OTHER LENDERS 📊
| Feature | Kia Financing | Other Lenders |
|---|---|---|
| Min. Credit Score | ~620 | Can be lower/variable |
| APR Range | Competitive rates | Often broader/higher |
| Lease Options | Yes | Varies |
| Online Pre-Approval | Yes (soft pull) | Depends on lender |
| Dealer Requirement | Yes | Not always required |
FREQUENTLY ASKED QUESTIONS ❓
Q: Does Kia offer 0% APR?
A: Yes, often during seasonal promotions or on select models.
Q: Can I finance a used Kia?
A: Yes, if it’s a certified pre-owned model from an authorized Kia dealer.
Q: Will pre-approval affect my credit?
A: No, Kia uses a soft inquiry for pre-qualification.
FINAL THOUGHTS 🏁
Kia Car Financing is a smart choice if you want flexible payment options, loyalty perks, and an easy approval process. Perfect for buyers with solid credit looking for a seamless dealership experience. Just be sure to compare all available offers before you commit.
You will stay on our website
Carvana Financing – The easiest way to drive your next car 
Dodge Auto Loans – Without the Stress 
Dodge – Smart Auto Financing for Today’s Drivers