Kia Financing: What To Know in 2025
Kia has come a long way since its inception. It didn’t start off with cars — Kia was initially a bicycle manufacturer. Now famous for affordability, you can get behind the wheel of a 2025 Kia for little more than $20,000. Still, most people will need a car loan.
Kia financing comes in many forms, and you can explore them here. If you already have an offer in hand, we can help you see how competitive it is compared to other Kia buyers.
How do your Kia payments compare to the average?
Shopping for an auto loan before heading to the dealer can be a great way to snag a low rate. But once you have your offer, how do you know if it’s competitive? That’s where our study can help.
We analyzed data from Experian, Kelley Blue Book (KBB) and other sources to create hypothetical Kia buyers. Then, we estimated monthly payments for these buyers and sorted them by credit band. In the tables below, find the model and credit band that most closely matches your situation and see how your offer compares.
Note that these monthly payments are estimates based on the manufacturer’s suggested retail price (MSRP) for new Kias and fair purchase price for used. We did not factor in dealer fees, extended warranties or other related expenses.
Also, you might notice that some of our highest-credit borrowers pay the highest monthly payments, particularly with new cars. This isn’t because these borrowers have a higher interest rate. Rather, it’s due to the fact that Experian data shows that borrowers with higher credit scores tend to choose shorter loan terms.
Opting for a shorter loan term can be a good strategy if you’re looking to pay less overall interest. However, you may come out with a higher monthly payment since you’ll have fewer months to spread your loan across.
Learn more about how we calculated average monthly Kia payments.
Estimated average monthly payments for new Kias
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2025 Kia EV9 | $54,900 | $951.89 | $870.21 | $825.55 | $862.78 |
| 2025 Kia Sportage | $27,390 | $409.51 | $374.37 | $355.16 | $371.18 |
| 2025 Kia Niro | $26,990 | $401.63 | $367.16 | $348.32 | $364.03 |
| 2025 Kia Soul | $20,490 | $273.47 | $250.01 | $237.18 | $247.87 |
| 2025 Kia Sorento | $31,990 | $500.20 | $457.28 | $433.82 | $453.38 |
Estimated average monthly payments for used Kias
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2019 Kia Forte | $10,820 | $163.07 | $142.56 | $127.37 | $124.61 |
| 2019 Kia Sportage | $11,559 | $181.18 | $158.39 | $141.51 | $138.45 |
| 2019 Kia Niro | $11,325 | $175.45 | $153.37 | $137.04 | $134.07 |
| 2019 Kia Soul | $9,289 | $125.56 | $109.76 | $98.07 | $95.95 |
| 2019 Kia Sorento | $13,568 | $230.41 | $201.42 | $179.96 | $176.07 |
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Kia financing options
Choosing your auto lender might not be as exciting as buying a car, but it’s important nonetheless. Unless you refinance or pay off your car loan early, you could be stuck with your lender for several years. Here are a few options to consider:
Kia Finance America
You’re taking advantage of a special Kia financing deal or buying your first car.
A lot of drivers get their car loans straight from their vehicle’s manufacturer. This is called captive financing. Kia’s financing arm is Kia Finance America, which is owned by Hyundai Capital America.
Captive financing has a huge benefit, and that’s Kia financing deals (also called special offers). Three of the most popular Kia financing deals are lease offers, retail offers and special programs. Lease and retail offers are either a discounted monthly lease payment or a reduced annual percentage rate (APR).
Kia financing deals are model specific and vary by ZIP code. They also change throughout the year. The best way to see what deals may apply to you is to check Kia’s website or speak with an authorized Kia dealer.
Generally, you’ll need a credit score of at least 650 to qualify for Kia Finance America. Kia also considers other factors like your income and credit history. As is the case with other loans, the more creditworthy Kia finds you, the lower your APR will be.
You can apply with Kia Finance America on its website. If it approves you, you’ll get a preapproved car loan that’s good for 30 days. However, if your preferred Kia dealer doesn’t participate in the online application program, you’ll need to stop in to apply (or choose a participating dealer).
Other than Kia financing deals, Kia Finance America also offers:
First-Time Buyer Program
It can be hard to get a car loan with no credit history. That’s where Kia’s First-Time Buyer Program may help. If you have no credit and have never bought a car, Kia may waive its credit score requirement. Note there are other metrics to meet (such as a verifiable monthly income of at least $2,000).
Competitive Bonus program
You could get a rebate of up to $1,000 on your Kia if you own a car from a competitor. Speak with your dealer to see if your current vehicle qualifies.
Military Specialty Incentive Program
Active-duty, retired, honorably discharged and disabled veterans could be eligible for a cash bonus. This program also applies to eligible military spouses.
New car warranties
New Kias come with robust protection. Namely, a 10-year, 100,000-mile limited powertrain warranty and a five-year, 60,000-mile limited basic warranty. You’ll also get an anti-perforation warranty and roadside assistance for five years or 60,000 miles.
New Kias also have trip interruption coverage. With this, Kia may reimburse you for meals, lodging and other related expenses if you break down at least 150 miles away from home. Additionally, the repair must be warranty-related and take more than 24 hours to fix.
Certified pre-owned vehicles
Kia’s certified pre-owned vehicles undergo a 165-point inspection before they’re available for purchase. Once certified, these cars come with 24/7 roadside assistance and a 10-year, 100,000-mile limited powertrain warranty. For the first year (or 12,000 miles) you’ll also get platinum coverage.
Bank and credit union auto loans
You can get an APR discount or other car-buying benefits.
If you’d rather stick to what you know, see what kind of auto loan rates your current bank or credit union is offering. Banks and credit unions often give their members an APR discount for having multiple products under the same roof. In this case, it would be your bank account and your auto loan.
Take Bank of America auto loans, for example. Depending on how much money you have in your bank accounts, you could get between 0.25% and 0.50% off of your APR with the Bank of America Preferred Rewards® program. PNC Bank auto loans have a similar deal — 0.25% off of your APR if you set up autopay with your PNC checking account.
Discounts aside, credit union auto loans generally come with ultra-competitive APRs. That’s because the federal government has capped credit union APRs to 18%. Many credit unions also provide car-buying services, which can help you snag a discounted MSRP as well as the credit union’s most competitive auto loan rates.
Online auto loans
You’d like to compare multiple offers, regardless of your credit score.
While not as popular as captive or bank financing (yet), you can also get an auto loan online. There’s a lot to like about online auto loans. For one, they’re generally easier to qualify for. If you have bad credit, shopping with online lenders could be a good option.
Also, targeting online auto lenders helps make it easier to compare multiple loan offers. Comparing offers helps make it easier to find the loan with the lowest rate. Think about it — when you’re in the market for a big purchase, don’t you shop around? The same should go for securing a loan.
At LendingTree’s auto loan marketplace, you can compare offers from up to five lenders at once with just a few clicks. We’ll keep your information safe, and checking rates won’t impact your credit score.
In-house financing
You have bad credit and don’t qualify for a traditional auto loan.
In-house financing (also called buy here, pay here) is a type of auto loan you get straight from your dealership. This isn’t the same as allowing your dealer to set up manufacturer financing. Instead, the dealership itself will fund your loan.
The main appeal to in-house financing is its loose eligibility requirements. Some dealerships don’t even require a credit check. That might sound nice, but generally, the easier it is to qualify for a loan, the higher the rates. That rule applies to in-house financing.
Additionally, buy here, pay here car lots tend to stock older vehicles. An older model coupled with a high APR can be a quick way to stick yourself with an upside-down car loan. Leave in-house financing as a last resort (or better yet, leave it altogether).
How we calculated average monthly Kia payments
To calculate average monthly Kia payments, we found estimated starting MSRPs for some of Kia’s most popular models.
Then, we subtracted an average down payment from each MSRP. According to Edmunds, the average down payment on a new vehicle was $6,619 in Q3 2024. For used vehicles, it was $4,165. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Kia payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q3 2024. You’ll find this data in the tables below. Please note that loan terms were rounded to the nearest whole number during our calculations.
Average APRs and loan terms for new car purchases in Q3 2023
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 11.86% | 9.29% | 6.88% | 5.61% |
| Average loan term | 73.87 months | 74.13 months | 70.26 months | 62.23 months |
Average APRs and loan terms for used car purchases in Q3 2023
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 18.39% | 13.53% | 9.33% | 7.43% |
| Average loan term | 66.28 months | 68.59 months | 68.56 months | 65 months |
Frequently asked questions
Sometimes, but it depends on Kia’s current financing offers. Offers vary by ZIP code, Kia dealership, vehicle year and model. However, at the time of this writing, select Kia dealerships are offering 0% financing on 2025 and 2024 Niro EVs, 2025 and 2024 EV9s and 2024 EV6s.
Remember, though — financing offers are always changing, and Kia reserves 0% financing for “qualified buyers.” In other words, those with excellent credit.
Kia finance rates are always changing (this is true for all types of car loans). The rate rollercoaster is especially common when the economy is uncertain. What’s more, Kia finance rates are also specific to model, dealer and ZIP code.
That said, Kia’s current promotional starting interest rates span from 0.00% to 4.49% at the time of this writing, depending on the year and model.
Typically, Kia requires a credit score of at least 650 for financing. However, there are some exceptions. If you’re buying your first car and have no credit, you might qualify under the First-Time Buyer Program.
If your score isn’t up to snuff, it may still be worth speaking with a Kia dealer. You could also shift your focus to online auto loans since they are usually easier to qualify for.
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