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Last Updated: 04/18/2025

Kia Motors Finance

in Auto Loans from Kia Finance

Last Updated: 04/18/2025

Strongly not recommended19 total votes

2 users recommend

17 users don't recommend

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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 -- 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.

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.

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 KMFUSA.com account.

Contact

Headquarters

3161 Michelson Dr

Ste 1900

Irvine, CA 92612

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