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 -100%



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

0 users recommend
0 users are unsure
6 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 6

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 Motors Finance FAQ

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 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.

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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.


  • 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


  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

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
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)
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Customizable Payment Dates
Payment Options
  • Automatic Payments
  • Bank Transfer
  • Cash
  • Check by mail
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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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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