Kia Motors Finance
Kia Motors Finance
in Auto Loans from Kia Finance

Kia Motors Finance

in Auto Loans from Kia Finance
SuperMoney Net Recommendation Score -87  


This product is strongly not recommended by SuperMoney users with a score of -87, equating to 1.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

1 user recommends
0 users are unsure
14 users don't recommend
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Community Rating Strongly not recommended
Credit Score Range 650 - 850
Loan Amount $1,000 - $200,000
APR  (Fixed APR) Starting at 0%
Loan Term (Months) 12 - 72 months
Number of Reviews 15

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 available in 50 states (and Washington, DC).

Kia finance FAQ

How much can you borrow via Kia finance?

Kia finance loan amounts start at $1,000 and go up to $200,000.

What APR does Kia finance offer on its car loans?

Kia finance offers a fixed apr car 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 auto loan term you can get with Kia finance?

Kia finance has car loans with terms ranging from 12 to 72 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Kia finance charge an origination fee?

Yes, Kia finance may charge a loan origination fee.

Does Kia finance charge a late fee?

Yes, Kia finance charges borrowers with a late payment penatly fee

Does Kia finance charge prepayment fees?

Yes, Kia 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 finance loan?

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

U.S. citizens are, of course, eligible for the services offered by Kia Motors Finance. Permanent resident / green card holders are also eligible to apply.

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
  • U.S. tax identification number

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

Yes, 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 may help improve your credit.

Is Kia Finance a legit company?

Kia Finance was founded in 1989, it is a well-established company that has been in business for 33 years. Kia Motors Finance are strongly not recommended by SuperMoney community users.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Kia finance

Since 1989, Kia Motors Finance has been committed to helping customers join the Kia family, and to creating the best possible ownership experience. We do this by providing a full range of auto finance and leasing solutions to Kia customers, both individuals and businesses. Our goal is to provide exceptional value, reliable and responsive service, and convenient account servicing.

Use our Online Credit Application to save you time at your dealership. You can check out the Kia Owners Portal to access everything you need to know about your Kia. Save time and postage by having your monthly payment automatically debited from your checking or money market account. One time payments may be made through your account.


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


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • U.S. Tax Identification Number
  • Social Security Number
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Customizable Payment Dates
Payment Options
  • Automatic Payments
  • Check by mail
  • Cash
  • Bank Transfer
APR Type Fixed APR
Loan Amount $1,000 - $200,000
APR (Fixed APR) Starting at 0%
Loan Term 12 - 72 months

Kia Motors Finance Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -87, equating to 1.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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