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  Kia Motors Finance

Kia Motors Finance

in Auto Loans from Kia Finance

Unaffiliated

Kia Motors Finance

Unaffiliated

in Auto Loans from Kia Finance

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Highlights
Highlights
Loan Amount $1,000 - $200,000
APR  (Fixed APR) Starting at 0%
Credit Score Range 650 - 850
Loan Term 12 - 72 months

Kia Motors Finance Review

Kia Motors Finance is offered by Kia Finance, a direct lender founded in 1989 and based in Irvine, CA. Kia Motors Finance is offered in 50 states (and Washington, DC).

How much can you borrow via Kia Motors Finance?

Kia Motors Finance auto loan amounts start at $1,000 and go up to $200,000.

What APR does Kia Motors Finance offer on its auto loans?

Kia Motors Finance offers a fixed APR auto loan product that ranges from 0% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with Kia Motors Finance?

Kia Motors Finance has auto loans with terms ranging from 12 to 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Does Kia Motors Finance charge an origination fee?

Yes, Kia Motors Finance may charge a loan origination fee.

Does Kia Motors Finance charge a late fee?

Yes, Kia Motors Finance charges borrowers with a late payment penatly fee

Does Kia Motors Finance charge prepayment fees?

Yes, Kia Motors Finance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Kia Motors Finance loan?

Yes, you can. However, Kia Finance charges a prepayment fee if you pay your auto loan early. This fee could reduce or eliminate the savings from paying the auto loan early.

What do you need to qualify for Kia Motors Finance?

Applicants with a credit score of at least 650 and up to 850 are eligible for Kia Motors Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Kia Motors Finance does not have or does not disclose a minimum annual income eligibility requirement. Kia Motors Finance only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Kia Motors Finance. Their rates fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Kia Motors Finance report your account activity to credit bureaus?

Kia Motors Finance reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   3161 Michelson Dr
    Ste 1900
    Irvine, CA 92612
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 9:00am
  • Tuesday 8:00am - 9:00am
  • Wednesday 8:00am - 9:00am
  • Thursday 8:00am - 9:00am
  • Friday 8:00am - 9:00am
  • Saturday Closed

About Kia Motors Finance

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Age 18
Credit Score Range 650 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Payroll Check or Prepaid Card
  • Tax Returns
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Recent Pay Stubs
  • Social Security Number
  • U.S. Tax Identification Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $1K - $200K
Loan Term 12 - 72 months
APR (Fixed APR) Starting at 0%

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