Kia Motors Finance (KMF) is the manufacturer’s lending arm, providing financing, discounts, and low-APR deals on its vehicles for both loans and leases.
The advertised rate for Kia Finance may start below 0.00% APR, but qualification usually requires a high credit score. You may be able to qualify for other incentives without funding through KMF, such as the Kia Military Discount.
Century Kia Finance Department is focused on ensuring that your experience with our dealership exceeds your highest expectations.
Our friendly finance managers work with people around the world, including Tampa, Temple Terrace, and Westchess to ensure that our clients receive the right finance programs at the most competitive rates.
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How Kia Finance works
Kia Motors Finance offers car loans against its new, used, and certified pre-owned (CPO) cars. You can apply for Kia financing online or at a dealership.
If you get the KMF offer, you can get it at any Kia dealership, but you can’t use it at any other brand car dealership like Ford.
Loan Terms Kia Finance offers a maximum loan term of 84 months but is available on a limited basis. Kia loan terms 72 months (6 years) and 75 months (6 years and 3 months) are more accessible.
Lease terms. Kia leasing terms range from 24-48 months to 10,000 to 25,000. With its annual mileage option
The biggest advantage of leasing a car is that it allows for fewer monthly payments. And at the end of the lease, you can return, buy or replace the car.
But there are some drawbacks. On a 36-month (three-year) lease, you pay about half the price of the car even if you use less than half of the life of the car.
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Kia Finance Deals and Discounts
Kia Finance helps sell cars using low-end financing offers and discounts. Deals revolve around different models depending on the zip code and time of year, supply, and demand.
Offers are usually good for one month, after which they can be changed. You do not have to apply for Kia Finance to get some discount like the military discount.
0% APR or low-APR financing. Kia often offers low-APR and 0% APR financing deals on its models. A high credit score is required to qualify.
Cash discount. The price of Kia cash discount depends on the specific offer but can be in the hundreds or even thousands. It may or may not be compatible with other deals.
Military escape. Priced at $ 400, the Kia Military Discount applies to members of the U.S. Armed Forces who are active, honorably retired, retired or disabled, and their wives.
College graduation discount. You can qualify for this $ 400 discount if you graduated from a recognized institution within the last 12 months.
Mobility Assistance Program. Kia refunds up to $ 750 for the purchase and installation of qualified adaptive equipment, including ramps, handlebars, and electronics to suppress gas and brake pedals.
First-time buyer program. If you have never financed a car before, Kia’s first-time buyer program can help you get a car loan.
Current Kia financing estimates
- Kia Rio
- Rio 5-door
- Kia fort
- What a soul
- Kia Celtos
- Kia sports Nero
- Nero plug-in hybrid sorent Telluride
- Kia Sorrento Hybrid
How to qualify for Kia Motors Finance
To get a Kia loan, you must at least show that you have enough income to repay the loan. The best deals are reserved for people with high FICO scores.
When applying for a car loan, you will need
Personal information: name, contact details, date of birth, social security number
Residence Information: address, length of residence, whether you rent or own, what is the rent or mortgage payment
Income Information: Total annual income, employer name, and contact details
Advantages and disadvantages of Kia Motors finance
Advantage: 0% APR. If you have great credit and can qualify for the contract, it is difficult to lose 0% APR.
Getting a KMF loan from a Kia dealer can make car shopping a one-stop-shop
Dis Advantage.: Only Kia dealership. Kia finance offers are good only at Kia dealerships.
Offer monthly change. Kia changes its offer of discounts and low funding every month, so a deal may not be permanent.
Alternatives to Kia finance
We always recommend that you apply to multiple lenders and that you enter the dealership with a pre-approved auto loan to improve your negotiation ability.
(1): Bank of America
Bank of America offers all types of secured car loans, including new, used, personal purchases, lease purchases, and refinancing.
Many people prefer national banks as lenders for convenience because customers are able to bank, invest and lend in one place.
(2): The stream of light
No restrictions on car manufacturing, model, age, or mileage No and Lightstream offers very competitive rates.
If you have good credit or even better (FICO 660+), the Lightstream offer might be worth taking with you to the dealership when you go shopping.
Options for everyone
For Kenya to Premier Kia buyers, your credit score will not deter you from buying a car. At dealerships, we can offer flexible financial options for first-time buyers, buyers with no credit, and buyers with bad credit that can help you find one that fits your budget.
If you have experienced a divorce, bankruptcy, foreclosure, asset forfeiture, or any other credit-related problem, you may still be able to qualify for one of our many available vehicles.
When it comes to financing, we offer a number of options, including the option of a Premier Plan, which coordinates directly with the credit bureau and allows you to quickly improve your credit score by making timely payments.
Being pre-approved for financing is easier than ever, and even helps save time spent inside the dealership.
We have an easy-to-use online application that can be loaded from anywhere from your smartphone or computer, and we can quickly give you pre-approval so you can run your dream fast.
Our team will always work hard to help you find the best loan option for you. The process begins with filling out our online credit application, and from there our customer service team will contact you for any further questions or inquiries regarding your credit status.
More ways to save
There are plenty of options for saving at Kenner’s Premier Kia. We offer top-notch prices for your trade-in, which can help you reduce the sticker value of your car or the sales tax you pay when you make a purchase.
You can always estimate your monthly payments with an online payment calculator and find a rate with payments that match your budget. The goal of our dealership is to help you smooth out every part of your journey even after your next Kia purchase.
We offer a choice of payment plans when you get your car maintenance service, so you don’t have to put away the big solutions you need to stay on the road.
Disclaimer:- Whatever information is being given here is only for educational purposes, our website is only for your knowledge, we are not any kind of financial advisor, whatever decision you take, you take it at your own risk.
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