Kia Car Finance

Kia’s are fantastic cars! They come with a large number of car finance solutions for those who have a bad credit history and have previously been declined by other lenders. Our lenders offer a range of different car finance options, all designed to meet the needs of our customers. Whether you’re buying your first Kia car, or looking for something more specific such as used Kia cars or even new Kia cars. We can try to help you get the best deal for your situation. 

Kia HP Car Finance 

Kia HP Car Finance is a great way to secure your new or used Kia. There are several benefits that come from an HP Finance Agreement such as owning the car at the end of the payment term. 

Whether you’re looking to buy an expensive Kia vehicle or an economical runabout, HP Car Finance could help you get the right kind of financing based on your individual circumstances – so whether you’re buying via Kia Hire Purchase (HP) or Kia Personal Contract Purchase (PCP), we could find you the best rates.  

Kia PCP Car Finance 

PCP stands for personal contract purchase and is a method of buying new or nearly new cars. 

This is a finance agreement in which you’ll make an initial deposit and then  

make monthly payments to the dealer until the end of your contract. You can then either hand back the car or pay off your remaining balance. This payment plan usually lasts three years, although it could be up to five years long. 

If you decide to take out PCP car finance for your Kia, you’ll have to pay an amount upfront before taking ownership of your vehicle (the “deposit”). Then every month after that, you’ll make regular payments towards paying off that deposit and interest charges on top. The final amount due at the end will depend on how much of your deposit has been paid off by then—if there’s still some leftover after three years or so, this will be added onto what’s owed on the car itself and become part of its final value when sold back into used-car stock. 

Kia Car Finance on Benefits 

Kia Finance on Benefits is a great way to get a new car, even if you have a bad credit history. We understand that when you’re on benefits, you will still need a car to get from A to B. We would love to help you secure Kia car finance, despite your current circumstances. 

We have lenders on our panel that specialise in Bad Credit. So, we may be able to help you get your dream Kia. 

No Guarantor Kia Car Finance 

When getting a car finance deal, if your financial circumstances aren’t so attractive, you may require a guarantor. A guarantor is someone who is close to you that you trust can make repayments if you miss any payments. However, not everyone is in a position to use a guarantor when applying for Kia car finance.  

No Guarantor Kia Car Finance is a type of car finance that allows you to purchase a new or used Kia without having to provide a guarantor. This type of car finance is available for people with a bad credit history, and they can also apply online. 

It’s important to note that No Guarantor Kia Car Finance offers you the same rates as personal loans and mortgages, so it’s not something that will lower your monthly repayments. However, if it means being able to get on the road sooner then this isn’t necessarily going to be an issue for most people looking at taking out this type of loan. 

Used Kia Car Finance 

Used Car Finance is available for those with a bad credit history. If you are self-employed or working part-time, we could help you get your used Kia finance. 

Used car finance is a great option if you’re looking for an affordable rate. There are many options to choose from and our brokers could help you secure used Kia car finance! 

New Kia Car Finance 

New Kia Car Finance, also known as Contract Hire, is a popular option for customers looking to own their car at the end of the contract. It’s like a 0% finance deal with an annual mileage allowance that reduces over time. 

You can choose from various different types of New Car Finance: 

  • Fixed Rate Finance – Your monthly repayments will never change throughout your agreement, giving you peace of mind and security in knowing how much you’ll need to pay each month. These plans are ideal if you want more flexibility around how often and when payments are made. 
  • Variable Rate Finance – This type of plan allows you to spread payments out evenly over a set term period, usually between 36-60 months (3-5 years). Payments will vary depending on where interest rates go during this period but the overall cost remains fixed at the start unlike some other types of finance where rates could increase or decrease according to market conditions 

Self Employed Kia Car Finance 

Self-employed Kia car finance may be the best option for you, especially if you have just started your own business. With the right documentation, it’s possible to get approved for self-employed car finance in as little as 24 hours. 

The difference between traditional car finance and self-employed car finance is that with traditional financing, you’ll need to provide proof of income and a steady job history to guarantee repayment of the loan. Self-employed Kia car finance offers a unique alternative because it allows people who don’t have regular monthly pay checks from an employer (or whose directly earnings vary) to borrow money through their own companies instead of working through a lender. 

Because of the panel of lenders we work with, we could find one that will take your circumstances into account. This means they could offer you a great Kia car finance deal! 

We will try to get you the best Kia deal for you  

You can apply online in just 60 seconds. We will do everything we can to get you approved for Kia car finance. This includes trying to provide you with the best possible rates and flexible repayment options. 

In some cases, you’ll be able to drive away with your new car, the next day! 

Our team of specialists will guide you through the process so there is no need for a face-to-face meeting or unnecessary paperwork – saving you time and money!