Simple and secure online credit application
Get connected to special low APR financing and attractive lease deals
Have your initial application already submitted.
Choose from financing and leasing options
-
Online Credit Application+
The path to your new Kia begins with our straightforward online credit application. This secure form allows U.S. consumers to provide their information for a pre-qualification review. It’s a simple, convenient way to get a head start on your financing.
-
Connecting with Your Dealer+
After you submit your online application, your chosen U.S. Kia dealership will receive it and begin reviewing your information. A representative from the dealership will then contact you directly. They will be ready to discuss your potential financing options, go over available inventory, answer any questions you have about the vehicle, and schedule a convenient time for you to come in for a test drive.
-
Deciding Between Financing and Leasing+
Kia Finance America offers U.S. customers the flexibility to choose the path that best fits their lifestyle. Traditional financing allows you to build equity and own your Kia outright at the end of your term. Leasing, on the other hand, often provides lower monthly payments and the excitement of driving a brand new, warrantied Kia every few years.
-
Special Offers and Incentives+
One of the most significant advantages of using Kia’s official finance partner is gaining access to exclusive promotional offers. Kia Finance America frequently features special low APR financing rates or attractive, low-payment lease deals on many popular new Kia models.
Top Auto Loan Options in the U.S.
- Kia Finance America – Provides Kia-specific financing through dealerships nationwide, including online prequalification (soft credit pull), model-based promotions, and flexible monthly payment calculators.
- Capital One Auto Navigator – Lets you explore dealer-based loan offers online with a soft credit inquiry.
- PenFed Credit Union Auto Loans – Known for extremely competitive interest rates and extended terms.
- LightStream (Truist Bank) – Offers unsecured vehicle loans with fast funding and no restrictions on the vehicle type or seller.
- Carvana Financing – Enables a fully digital auto-buying process, from loan approval to home delivery.
Traditional Bank Financing vs. Kia Finance
Major banks like U.S. Bank or Bank of America offer reliable auto loans across all vehicle brands. But Kia Finance stands out by integrating brand-specific perks—such as dealership-only promotions on EVs, loyalty rebates, and soft-credit prequalification—directly into the car-buying process.
Why Choose Kia Finance Auto Loans?
- Online Prequalification: Soft-pull credit checks let you check estimated terms without affecting your FICO score.
- Model-Based Promotions: Special rates and offers on Kia EVs, SUVs, and plug-in hybrids, along with military and college graduate incentives.
- Flexible Loan Terms: Typical terms range from 36 to 72 months, helping you match the payment to your budget.
- Multi-Channel Support: Submit applications online, via dealerships, or by phone, with transparent loan tools and expert help available at every step.
- Payment Options: Set up AutoPay for convenience and avoid late fees; choose paperless billing; and easily request payoff quotes.
Online Lending Platforms
Sites like Capital One Auto Navigator, myAutoloan, and LightStream make it easy to compare rates. Kia Finance delivers that same ease—but with added benefits like factory-backed offers, dealer-connected incentives, and the ability to prequalify for specific Kia models.
Unsecured Personal Loans vs. Kia Finance Loans
Unsecured personal loans work for private-party buys but usually come with higher APRs and shorter terms. Kia Finance auto loans are secured by the vehicle, offer better rate options, and include perks tied to Kia ownership—making them a smarter value for most buyers.
Buy Here, Pay Here Dealerships vs. Kia Finance
Buy Here, Pay Here lots may accept buyers with lower credit, but typically charge high interest, limit vehicle selection, and offer minimal consumer protections. Kia Finance partners with authorized dealers and reports reliably to credit bureaus, giving you clear terms, fair rates, and greater buyer confidence.
How Auto Loans Impact Your Finances and Credit Score in the U.S.
Prequalifying with Kia Finance involves a soft inquiry, so your credit score stays unaffected. Once you move forward, a hard pull occurs—but FICO usually treats all auto-related checks within a 30–45‑day window as one. Timely payments boost your payment history, the biggest driver in your credit score, while keeping your Debt-to-Income ratio healthy. Falling behind can damage credit and lead to fees. Kia offers AutoPay reminders and flexible due-date adjustments to help you stay on track.
