KIA Motor Finance Rates

When it comes to financing your dream Kia vehicle, Kia Motor Finance (KMF) offers an array of competitive options. However, securing the best rate requires understanding that the specifics depend on various factors, such as your credit score and income. In this blog post, we’ll delve into Kia Motor Finance rates for both new and used Kia vehicles, providing you with insights to make informed financing decisions.

Kia Motor Finance Rates: New Kia Vehicles

As of October 11, 2023, here are some examples of Kia Motor Finance rates for new Kia vehicles:

Vehicle Model APR Loan Term
EV6 0.9% 36 months
Niro EV 0.9% 36 months
Forte 2.9% 36 months
Stinger 2.9% 36 months
Sorento 3.25% 36 months

These rates demonstrate Kia Motor Finance’s commitment to providing competitive financing options for their new vehicles.

Used Kia Vehicles: Competitive Rates

For those eyeing a used Kia vehicle, it’s worth noting that rates for used vehicles are typically slightly higher than those for new vehicles. Nonetheless, Kia Motor Finance ensures that their rates remain competitive, making buying a used Kia a financially viable choice.

Personalized Quotes: How to Get Yours

To obtain a personalized Kia Motor Finance rate tailored to your unique circumstances, you can take one of the following steps:

  1. Visit the official Kia Motor Finance website, where you can fill out the necessary information to receive a customized quote.
  2. Contact your local Kia dealer, who can assist you in exploring financing options and provide you with a personalized quote.

Tips for Securing the Best Kia Motor Finance Rate

To maximize your chances of securing the most favorable Kia Motor Finance rate, consider these tips:

  1. Shop Around and Compare: While Kia Motor Finance offers competitive rates, it’s advisable to explore rates from various lenders. Banks, credit unions, and other financial institutions may offer rates that better suit your financial situation.
  2. Pre-Approval: Get pre-approved for a loan before you begin your car shopping journey. This will provide you with a clear understanding of your borrowing capacity and expected monthly payments.
  3. Boost Your Credit Score: A higher credit score often translates to a lower interest rate. Ensuring your credit score is in good shape can make a significant difference in the rates you qualify for.
  4. Larger Down Payment: Making a larger down payment can reduce the amount you need to borrow and result in a lower interest rate, ultimately saving you money over the life of your loan.
  5. Shorter Loan Term: If possible, opt for a shorter loan term. Shorter terms tend to come with lower interest rates compared to longer loan terms.


Kia Motor Finance makes owning a new or used Kia vehicle accessible with competitive financing rates. However, the rate you secure depends on various personal factors. To ensure you secure the best Kia Motor Finance rate for your situation, shopping around and comparing rates from different lenders is key. Remember, your credit score, down payment, and loan term also play a significant role in determining your interest rate. By following these tips and being well-informed, you can navigate the financing process with confidence and land the best deal on your Kia vehicle.