Finance FAQs

While a higher credit score may help secure lower interest rates, drivers with a wide range of credit profiles can apply for Kia financing. Our team works with multiple lenders to help find solutions tailored to your financial situation.

Yes. Many drivers with less-than-perfect credit have been able to secure auto loans. We’ll review your application and explore available options to help you move forward with confidence.

Typically, you’ll need proof of income, proof of residence, a valid driver’s license, and insurance information. These documents help us process your application efficiently.

Down payment amounts can vary depending on the loan terms, your credit profile, and current promotions. Our finance team can provide personalized guidance after reviewing your application.

Leasing may be best if you prefer lower monthly payments and enjoy driving a new Kia every few years. Financing is often the right choice if you want long-term ownership and equity. Our specialists can help you weigh the benefits of both.

Interest rates depend on factors such as credit score, loan term, and the specific model you choose. Contact our team directly or start the process by exploring our finance options.

Yes, trading in your vehicle can help reduce the overall cost of your next Kia. You can estimate your vehicle’s value using our trade-in tool.

In most cases, approval can be completed the same day you apply. Online pre-qualification can also help speed up the process.

Yes, you can get started anytime with our secure online pre-qualification form.

Pre-qualification gives you an estimate of what you may qualify for, while pre-approval requires more detailed verification and provides a stronger commitment from the lender.

Yes. Kia often provides incentives and programs tailored for these groups. Ask our finance team about current offers available in your area.

Loan terms typically range from 36 to 72 months. Shorter terms may reduce total interest paid, while longer terms may lower your monthly payment.

In some cases, refinancing options may be available. Contact us to discuss your current loan and potential alternatives.

If you miss a payment, it’s important to contact your lender immediately. They may provide options to get your account back in good standing.

Gap insurance is optional but highly recommended, especially if you’re financing a new Kia. It covers the difference between your loan balance and the vehicle’s value in the event of a total loss.

Our online tools make it simple to estimate payments based on loan terms, down payment, and vehicle price.

Promotions vary depending on current Kia offers and local lender programs. Check with our team to learn about the latest opportunities.

Yes, in many cases, accessories and extended protection plans can be added to your financing package.

At lease-end, you’ll typically have the option to return the vehicle, purchase it, or lease a new Kia.

Most lenders provide convenient online account management and payment options. We’ll help you set this up during the financing process.