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HP and PCP available, subject to status
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Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Kia offers strong value across its range. A used Picanto could be one of the more affordable cars you can finance, while a used Sportage or Niro offers more space at a mid-range price. Even Kia's top models tend to undercut equivalent premium rivals.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
One of Kia's standout features is its 7-year, 100,000-mile manufacturer warranty, the longest of any major manufacturer in the UK. This warranty is transferable to subsequent owners, which means a used Kia that is less than 7 years old may still have warranty cover remaining. This could give you additional peace of mind when financing a used Kia.
Use the calculator further down this page to estimate monthly payments.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Kia is one of the most popular brands to finance in the UK. Whether you are looking at a used Sportage or a used Picanto, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Kia models.
Kia Sportage
One of the UK's most popular SUVs. Used Sportages tend to offer strong equipment levels and may still be covered by Kia's transferable warranty.
Kia Ceed
A family hatchback designed in Europe. Competitively priced against the Golf and Focus on the used market.
Kia Niro
Available as a hybrid, plug-in hybrid, or fully electric. A flexible choice for drivers considering greener motoring.
Kia Picanto
Kia's smallest and most affordable car. Used Picantos tend to be affordable to finance and sit in lower insurance groups.
Kia EV6
An award-winning fully electric car. Used EV6s are starting to appear at more accessible prices.
Kia Stonic
A compact crossover that sits between the Picanto and Sportage. Generally affordable to finance.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Kia at the end. No mileage limits apply. Kia's combination of reliability and the transferable 7-year warranty could make HP a practical long-term option.
Find out more about HP car finance →
Kia PCP gives you lower monthly payments than HP. At the end, you can hand the car back, pay the balloon to keep it, or use any equity towards your next car.
Kia's strong brand reputation and warranty backing have contributed to a stronger reputation for holding value in recent years, particularly for the Sportage and EV6. This could make PCP increasingly attractive for Kia buyers.
Kia PCP is often available on models such as the Sportage, Ceed, Niro, Picanto, and EV6, subject to status. Each model has different residual values, which affects the balloon payment and monthly cost.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early through voluntary termination or early settlement.
Both options are available with no deposit on many Kia models, subject to status and affordability.
Via Brumble, you can check what you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
Kia's 7-year warranty makes ownership particularly attractive. If you buy a used Kia that is two years old and finance it over four years on HP, you could still have a year of manufacturer warranty left when you make the final payment. You would then own a relatively young, warranty-backed car with no further payments. Leasing would have you hand it back and start paying again.
With PCP, if your Kia holds its value, there is potential to build equity. Leasing removes that opportunity. Finance also gives you voluntary termination rights and the freedom to personalise your car.
Yes. Both HP and PCP may be available on used and second hand Kias from verified UK dealers.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. If the Kia is less than 7 years old, it may still have transferable manufacturer warranty remaining, which could be a significant benefit when buying used.
The Kia Niro is available as a hybrid, plug-in hybrid, or fully electric, making it a versatile choice if you are considering greener motoring on finance. See our hybrid car finance page for more.
Check the car's history with our MOT checker and tax checker. Our Kia reliability report covers common issues.
Kia models are well-priced, so borrowing amounts tend to be reasonable. A used Picanto or Stonic could be one of the more affordable cars to finance.
If you have a lower credit score, our bad credit car finance page may help. If you are a student or young driver, a used Picanto could be worth considering.
According to DVSA MOT data analysed by Brumble, Kia has a national MOT pass rate of 75.2%, based on 0.92 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Kia above the national average, which could indicate that used Kias may be less likely to have issues at MOT time compared to some other brands. However, individual results depend on the car's age, mileage, and maintenance history.
The most common MOT advisory and failure items on Kia vehicles include suspension wear, brake pads, and tyre condition. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Kia reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Kia occasionally runs 0% promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are not available all the time and not available on used cars.
Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare Kia car insurance quotes from 130+ UK insurers.
Thinking of selling your car? Get a free valuation via our partnership with Motorway.
Common questions about Kia car finance.
Yes. Kia's 7-year, 100,000-mile warranty is transferable to subsequent owners. If the Kia is less than 7 years old and under 100,000 miles, the remaining warranty should still apply. This is one of the longer used car warranties available from a manufacturer.
It depends on the age, specification, and mileage, plus the term length and APR you are offered. Used Sportages are competitively priced and widely available. Use the calculator on this page to estimate. Representative 19.8% APR.
The EV6 has won numerous awards including European Car of the Year. Used examples are starting to appear at more accessible prices. Running costs tend to be low. HP and PCP may both be available. Subject to status.
It may be possible. Kia's competitive pricing means smaller borrowing amounts. A soft search lets you check with no risk. Subject to status.
Many finance options are available with no deposit, subject to status and affordability.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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