Auto Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score -79
Strongly not recommended19 total votes
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Highlights
Community Rating
Strongly not recommended
Amount Range
$1,000 - $200,000
APR (Fixed APR)
Starting at 0%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Loan Term (Months)
12 - 72
Number of Reviews
Kia Motors Finance Review
Kia Motors Finance is offered by Kia Finance, a direct lender founded in 1989 and based in Irvine, CA. Kia finance are 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 -- some lenders offer terms that 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 penalty 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.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Kia Motors Finance.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- 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 to the following credit bureaus:
- 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 build your credit.
Does Kia Finance perform a hard credit pull?
Yes, Kia finance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Kia Finance a legit company?
Kia Finance was founded in 1989, it is a well-established company that has been in business for 37 years. Kia Motors Finance is strongly not recommended by SuperMoney community users.
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...
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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -79, or 1.4 on a 5-point rating scale.
-79
-1000+100
No one recommends
Everyone recommends
Kia Motors Finance Community Reviews
Would you recommend Kia Motors Finance to your friends?
DL
Diane L.
Feb 19, 2024
May or may not recommend
I was told at Branford Kia there were no prepayment penalties as we knew we didn’t want the loan for 48 months if possible, I made a triple payment one month and that month they charged over 350.00 in interest, then I looked into a pay off quote 12 months in and with the payment we made and the payoff amount it’s actually 1000.00 more then the loan! How do ...Show More
JT
Justin T.
Aug 28, 2023
May or may not recommend
The "executive" and "escalation" team are an ABSOLUTE joke.
What a disaster of company. There is not one nice thing I can say about my recent experience with them. From outright lies to never returning phone calls to basically laughing in my face... I will never ever lease another car from KIA.
Different departments have ZERO coordination, zero ability to do anything that requires teamwork, and no idea what the other ...Show More
Am M.
Jul 19, 2023
May or may not recommend
Kia it's awesome car because it has less consumption of fuel
SJ
Shelia J.
Mar 15, 2023
May or may not recommend
If I could give them zero stars, I would customer service will hang up on you when you asked to speak to a supervisor. Supervisors have a worse attitude than customer service reps.
They miss appropriate payments that you requested to be made towards Principal and then have no excuse why your balance doesnt reflect it. Also additional hidden fees that they can explain.
JD
Joy D.
Jan 16, 2023
May or may not recommend
Do NOT give Kia the time of day!!! This last 6 months has been h*** on earth, because of them. I bought a brand new Kia Soul, and within a few months was hit by someone coming into my lane on the highway. The police cited her, and her insurance paid out. The check sat on their table for months, because her insurance company kept trying to give it to ...Show More
TS
Tyson S.
Dec 1, 2022
May or may not recommend
They're absolutely awful. They completely screwed my credit because of the way they set up their operations. For 9 months, they sent me a monthly statement showing that my payment was received (I used autopay), then on the 9th month they reversed all of them and immediately sent my account to collections without bothering to contact me. The first I heard about any issue was when the jerk from collections ...Show More
LC
Lisa C.
Apr 12, 2022
May or may not recommend
I have been trying to get a release letter for 6 months. I call every month, write letters with no results. My registration expired; I cannot renew registration in my new state since I cannot get a duplicate title. To make matters worst, I have NEVER used Kia Finance for the purchase of my car as I paid cash for it!! this is unacceptable and it seems ...Show More
MF
Marilyn F.
Mar 26, 2022
May or may not recommend
Easy to apply. Great special rates for new Kia's are offered each month.
KJ
Kc J.
Mar 11, 2022
May or may not recommend
In June 2021, I bought out my lease on a 2018 Kia Soul EV (electric).
KMF improperly collected more than $860 tax (in NJ which has prohibited tax on electric vehicles since 2005). I only discovered this when re-titling my car as they didn't handle that correctly either though they were paid to. Despite weekly calls, dozens of hours of my time, jumping hoops to submit written claims, and ...Show More
EM
Elena M.
Jan 20, 2022
May or may not recommend
i bought my Kia in June of 2020 in Arizona. Kia Finance just refuses to send the state to state transfer of title and California does not want to keep extending the car with no license plates so now I am stuck with having to pay an expensive lawyer to try to make them submit the paperwork. I have never had one missed payment. When you call they tell you ...Show More
U
Anonymous
Jan 10, 2022
May or may not recommend
If you need financial hardship assistance and have a lease from KIA, good luck. I've paid my lease early every month since establishing it and this month, I'm starting a new position. I called KIA to ask for a simple deferment for 1 month and even offered to schedule 2 payments in February 2022 in return. KIA told me they don't offer any assistance and wished me luck with my ...Show More
RR
Robin R.
Nov 17, 2021
May or may not recommend
Kia financial service is not even worth a 1 star but unfortunately thats the lowest rating possible. They are incompetent and can not solve an issue. Each time you call about the same problem you get a different response even though call notes should show exactly what took place on last call. Always wrong information given by agents and supervisors causing even more delay. The supervisors are rude and ...Show More
U
Anonymous
Jun 9, 2021
May or may not recommend
They are the asbolute WOST company ever! I wish I done my research before getting this vehicle with an ex who refused to help me pay for the car but that's another story. I am actually surprised that they are still in business as I've seen a ton of negative reviews on a lot of websites. They care absolutely nothing about the WORLDWIDE pandemic that has effected millions of people ...Show More
TS
Thomas S.
Mar 18, 2021
May or may not recommend
I will not bore you with the details. If you like their cars, go ahead and buy one. I bought 3. I have a 2010 soul with catastrophic engine failure at 94K. That is not as bad as the Kia Finance customer service when we tried to get a copy of our lien release...I mean, an engine can be replaced, their customer service is irreparable.
U
Anonymous
Jul 14, 2020
May or may not recommend
For two days, I have been calling KIA financing to find out when I will receive the car title after I paid off, in April, my car loan. Every time I called and after giving a lot of security information, I was told that there would be a long wait and that I should call back later and then the line goes dead. I should be given the ...Show More
WC
Wanda C.
May 5, 2020
May or may not recommend
They told me I qualified for the corona relief extensions for 2 months due to reduction in work hours because of this. I applied and the manager had to sign off on it. I called a few times to check on it and was told not to worry and my credit would not be affected because they had the extension in their records but was backed up so that was ...Show More
U
Anonymous
Feb 14, 2020
May or may not recommend
Absolutely not! They bury their late fees and do not give you the option to pay it online when you make a payment. They do not provide a line item to show there is even a late fee and what it is. And if you overpay a higher amt for your regular payment, it does NOT go towards it, it goes towards the loan supposedly, though no one can tell ...Show More
MG
Michael G.
Dec 28, 2019
May or may not recommend
Even though we had a signed lease from our local dealer which was correct, Kia Finance decided to change the sales/use tax we were charged. Don't bother to call customer service to try to get any problem solved, they are TOTALLY USELESS. After multiple attempts to get the problem corrected, I went back to the dealer. They first offered to cut me a check for the incorrect ...Show More
NN
Nichole N.
Oct 10, 2019
May or may not recommend
Their customer service sucks. Not knowledgeable at all. 0 stars if I could
Showing 19 of 19 reviews