2024 Kia Financing Deals
 | Starting APR 0.00% | Loan terms 24 to 72 months |
Kia Motors Finance (KMF) is the lending arm of the manufacturer, offering financing, rebates and low-APR deals on its vehicles for both loans and leases. Advertised rates for Kia finance can start as low as 0.00% APR, but typically require a high credit score to qualify. You can also finance a Kia through your bank, credit union, or other financial institution.
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Kia financing options
Buying a Kia
Kia finance offers car loans on its new, used and certified pre-owned (CPO) vehicles. You could apply for Kia financing online or at a dealership. If you obtain a KMF offer, you could take it to any Kia dealership, but you couldn’t use it at another brand of car dealership, such as Ford.
While regular starting APR can vary by location, Kia regularly runs promotions with cash-back rebates or low-APR financing. To learn about Kia’s current promotions and to determine whether you qualify for its lowest rates, contact your local dealership. To be eligible for Kia’s eye-catching promotional 0.00% financing, you’ll need excellent credit, but Kia works with borrowers with scores as low as 650.
Kia financing regularly offers loan terms between 24 and 72 months, though you’ll occasionally see 84-month terms attached to limited-time promotions.
Leasing a Kia
Kia offers lease terms from 24 to 48 months and annual mileage options of 10,000 to 25,000. You cannot turn in your vehicle before the end of your lease or you’ll incur an early termination fee, but paying your lease off early and keeping the car until the end of your term is allowed without penalties.
If you lease or purchase a new Kia within 60 days of the end of your term, you may earn up to $900 in loyalty rewards. The first $400 of the credit can be used to cover your turn-in fee, and the remaining $500 can be used for any charges for excess wear and use.
Kia financing pros and cons
Like any loan product, financing through Kia Motor Finance has its benefits and drawbacks. Be sure to weigh these points to determine whether dealer financing is the right choice for your needs.
| Pros | Cons |
|---|---|
Promotional financing offers that often include 0.00% APR No prepayment penalties Easy application process Relatively generous loyalty bonus for those who lease | Kia financing is only available at Kia dealerships Offers change monthly, which could mean the deal you want may not be available when you’re ready to buy Military bonus is small compared to competitors |
A closer look at Kia financing
Kia uses low-APR financing offers and rebates to help sell vehicles. Deals rotate to different models based on ZIP code and time of year, supply and demand. Offers are usually good for a month, after which they may change. You may not need to apply through Kia finance to receive some rebates, such as the military discount.
Kia Military Bonus
If you are a veteran, active duty, or on disability from the military, you may qualify for the Kia Military Bonus program. Your spouse may also qualify.
This bonus includes an extra $300 off your purchase when you present one of the following documents:
- A current earnings statement
- A copy of honorable discharge papers
- A bank statement showing receipt of a pension or disability payment from the military
- Official documentation of future eligibility for a military pension
A military ID isn’t sufficient proof to qualify for the program.
Military discounts from dealerships are tricky, because you have to ask for them before you start negotiations. That makes it hard to know if you’re actually getting an extra $300 off or if the $300 discount is something you could have negotiated into the price anyway.
Warranties and roadside assistance
- Five-year, 60,000-mile basic or “bumper-to-bumper” warranty for all new vehicles
- Five-year, 60,000-mile roadside assistance program
- Five-year, 100,000-mile anti-perforation (corrosion) warranty
- 10-year, 100,000-mile powertrain warranty on the engine, transmission and drive axle
How to apply for financing through Kia
While you can apply for financing at the dealership itself, Kia also gives you the option to apply online before you shop. Ideally, you’ll know the vehicle you want to buy before you apply.
To begin the application, you’ll need to supply the following information:
- Your name and address
- Your phone number and email
- Your birthdate and Social Security number
- Monthly payments for housing and time at current address
- Employment information
- Income information
How Kia financing compares
Even if you believe that Kia financing is the right choice for your borrowing needs, it’s always smart to compare offers from other lenders. By filling out a single form with LendingTree, you may receive up to five auto loan offers from lenders.
| Kia | Toyota | myAutoLoan | |
|---|---|---|---|
| Starting APR | 0.00% | 0.00% | 6.84% |
| Terms | 24-72 months | 24-72 months | 24-72 months |
| Minimum credit score | 650 | 610 | 575 |
Frequently asked questions
Yes, Kia does have 0.00% APR offers from time to time. These offers tend to pop up when dealerships want to move inventory, so when you go in know that you’re probably in a good position for negotiation, especially if you’re shopping at the end of the month, quarter or year.
To qualify for Kia’s best rates – whether you qualify for a special offer or not – you’ll need a credit score of at least 720. To qualify at all, you’ll need a credit score of at least 650, though the rates you pay will be much higher.
Yes, you can pay off your Kia Financing loan early without penalty. You can also pay off your lease early without penalty – as long as you don’t actually turn the car in before the end of your term. If you turn the car in early, you’ll be hit with an early termination penalty.