Kia Finance

Kia Finance

When taking out finance to buy a car, it's important to choose a product that's right for you. We offer a range of flexible finance options which can be personalised to suit all budgets.

PERSONAL CONTRACT PURCHASE (PCP)

A flexible and popular plan that provides you with the option to change your car on a regular basis.

Personal Contract Purchase explained

Personal Contract Purchase explained

At the start of the agreement we’ll set an optional final payment for your car, this will be based upon your chosen agreement term and approximate annual mileage.

You pay a deposit and then make monthly repayments based on the outstanding loan balance less the optional final payment.

At the end of the monthly repayment period you’ll have three options:

Pay the optional final payment and take ownership of the car

Hand back the car with nothing more to pay. Subject to mileage and fair wear and tear. If electing to hand the vehicle back at the end of contract, any mileage in excess of the agreed limit will be chargeable at 9p per mile (Inc. VAT) for all models.

Part exchange the car and use any equity as a deposit on your next car (if any available, which cannot be guaranteed)

CONDITIONAL SALE

A simple and traditional way to finance your car over a fixed period for a fixed monthly amount.

Conditional Sale explained

Conditional Sale explained

You pay a deposit then make regular monthly repayments to repay the balance, it’s that simple.

As your interest rate is fixed you’ll know exactly how much you’ll repay at the outset of the agreement.

Only once all monthly repayments have been made will you own the car.

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