Kia Financing: What To Know in 2026
Kia has come a long way since its inception. It didn’t start off with cars — Kia was initially a bicycle manufacturer. Now famous for affordability, you can get behind the wheel of a 2026 Kia for little more than $20,000. Still, most people will need a car loan.
Kia financing comes in many forms, and you can explore them here. And if you already have an offer in hand, we can help you see how competitive it is compared to other Kia buyers.
How do your Kia payments compare to the average?
We analyzed data from trusted sources like Edmunds and Experian to estimate average Kia monthly payments based on credit score.
Here’s how to use our guide to help you shop for a good deal on a Kia loan.
- Check your credit. You’ll need to know your credit score to use our guide. Don’t know your score? Check your credit for free with LendingTree Spring.
- Compare monthly payments. Find your credit score and Kia model in the tables below and compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Shopping for an auto loan before heading to the dealer can be a great way to snag a low rate. But once you have your offer, how do you know if it’s competitive? That’s where our guide can help.
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments, but end up paying less interest over time.
Learn more about how we calculated average monthly Kia payments.
Estimated average monthly payments for new Kias
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2026 Kia EV9 | $54,900 | $973.58 | $878.36 | $828.20 | $866.07 |
| 2026 Kia Sportage | $28,690 | $451.53 | $407.37 | $384.11 | $401.67 |
| 2026 Kia Niro HEV LX | $27,090 | $419.67 | $378.62 | $357.00 | $373.32 |
| 2026 Kia K4 | $21,990 | $318.09 | $286.98 | $270.59 | $282.96 |
| 2026 Kia Sorento | $32,190 | $521.25 | $470.27 | $443.41 | $463.69 |
Estimated average monthly payments for used Kias
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2020 Kia Forte | $10,662 | $163.65 | $142.80 | $127.17 | $122.82 |
| 2019 Kia Sportage | $12,031 | $197.15 | $172.03 | $153.20 | $147.97 |
| 2020 Kia Niro EV | $11,978 | $195.86 | $170.90 | $152.20 | $147.00 |
| 2020 Kia Soul | $9,938 | $145.92 | $127.33 | $113.40 | $109.52 |
| 2020 Kia Sorento | $12,722 | $214.07 | $186.79 | $166.35 | $160.66 |
Kia financing options
Choosing your auto lender might not be as exciting as buying a car, but it’s important nonetheless. Unless you refinance or pay off your car loan early, you could be stuck with your lender for several years. Here are a few options to consider:
Kia Finance America
You’re taking advantage of a special Kia financing deal or buying your first car.
A lot of drivers get their car loans straight from their vehicle’s manufacturer — this is called captive financing. Kia’s financing arm is Kia Finance America, which is owned by Hyundai Capital America.
Generally, you’ll need a credit score of at least 650 to qualify for Kia Finance America. If you get your financing through Kia, you could qualify for a special offer, like a discount on lease payments or a lower annual percentage rate (APR). Deals vary by ZIP code, and they can change throughout the year.
You can apply with Kia Finance America on its website. If you’re approved, you’ll get a preapproved car loan that’s good for 30 days. But not all Kia dealers participate in the online application program — if your preferred dealer doesn’t, you can stop in to apply.
Other than Kia financing deals, Kia Finance America also offers:
First-Time Buyer Program
It can be hard to get a car loan with no credit history. That’s where Kia’s First-Time Buyer Program may help. If you have no credit and have never bought a car, Kia may waive its credit score requirement. Note there are other metrics to meet (such as a verifiable monthly income of at least $2,000).
Competitive Bonus program
You could get a rebate on your Kia if you own a car from a competitor. Speak with your dealer to see if your current vehicle qualifies.
Military Specialty Incentive Program
Active-duty, retired, honorably discharged and disabled veterans could be eligible for a $500 cash bonus on new Kias (purchased or leased). This program also applies to eligible military spouses.
New car warranties
New Kias come with a 10-year, 100,000-mile limited powertrain warranty and a 5-year, 60,000-mile limited basic warranty. You’ll also get an anti-perforation warranty and roadside assistance for five years or 60,000 miles.
If you buy an electric vehicle with Kia, you’ll get a 10-year, 100,000-mile system and battery coverage warranty.
New Kias also have trip interruption coverage. With this, Kia may reimburse you up to $100 a day for three days to go toward meals, lodging and rental car expenses if you break down at least 150 miles away from home. The repair must be warranty-related and take more than 24 hours to fix.
Certified pre-owned vehicles
Kia’s certified pre-owned vehicles undergo a 165-point inspection before they’re available for purchase. Once certified, these cars come with 24/7 roadside assistance and a 10-year, 100,000-mile limited powertrain warranty. For the first year (or 12,000 miles), you’ll also get platinum coverage.
Bank and credit union auto loans
You can get an APR discount or other car-buying benefits.
If you’d rather stick to what you know, see what kind of auto loan rates your current bank or credit union is offering. Banks and credit unions often give their members an APR discount for having multiple products under the same roof — in this case, it would be your bank account and your auto loan.
Take Bank of America auto loans, for example: Depending on how much money you have in your bank accounts, you could get between 0.25% and 0.50% off of your APR with the Bank of America Preferred Rewards® program. PNC Bank auto loans have a similar deal — 0.25% off of your APR if you set up autopay with your PNC Bank checking account.
Discounts aside, credit union auto loans generally come with ultra-competitive APRs. Many credit unions also provide car-buying services, which can help you snag a discounted MSRP as well as the credit union’s most competitive auto loan rates.
Online auto loans
You’d like to compare multiple offers, regardless of your credit score.
Online auto loans can be easier to qualify for if you have bad credit. And if you have excellent credit, rates can be on par with banks and credit unions. Shopping online can also help you compare offers more easily — it’s just as important to shop for the best deal on your auto loan as it is for the car itself.
At LendingTree’s auto loan marketplace, you can compare offers from up to five lenders at once with just a few clicks. We’ll keep your information safe, and checking rates won’t impact your credit score.
In-house financing
You have bad credit and don’t qualify for a traditional auto loan.
In-house financing (also called “buy here, pay here”) is a type of auto loan you get straight from your dealership. This isn’t the same as allowing your dealer to set up manufacturer financing. Instead, the dealership itself will fund your loan.
The main appeal to in-house financing is its loose eligibility requirements. Some dealerships don’t even require a credit check. However, rates are usually very high.
In addition, buy here, pay here car lots tend to stock older vehicles. An older model coupled with a high APR can be a quick way to stick yourself with an upside-down car loan. Leave in-house financing as a last resort — or, better yet, just leave it altogether.
How we calculated average monthly Kia payments
To calculate average monthly Kia payments, we found estimated starting MSRPs and fair purchase prices for some of Kia’s most popular models. MSRPs and fair purchase prices are based on data available at the time of writing, as they change frequently.
Then, we subtracted an average down payment from each MSRP. According to Edmunds, the average down payment on a new vehicle was $6,020 in Q3 2025. For used vehicles, it was $3,976. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Kia payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q2 2025. You’ll find this data in the tables below (please note that loan terms were rounded to the nearest whole number during our calculations).
Keep in mind that your specific car payment will depend on personal factors like your credit score, ZIP code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.38% | 9.97% | 6.78% | 5.27% |
| Average loan term | 74.08 months | 75.03 months | 72.10 months | 64.57 months |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 18.90% | 13.95% | 9.39% | 7.15% |
| Average loan term | 66.35 months | 68.11 months | 68.43 months | 65.63 months |
Frequently asked questions
At the time of this writing, Kia is offering 0% APR financing on the following models:
- 2025 EV6
- 2025 Niro
- 2025 Niro Plug-in Hybrid
- 2025 Niro EV
- 2026 EV9
Still, you should keep in mind that financing offers are always changing, and Kia reserves 0% financing for “qualified buyers” — in other words, those with excellent credit.
Kia finance rates are always changing (this is true for all types of car loans), and the rate rollercoaster is especially common when the economy is uncertain. Kia finance rates are also specific to model, dealer and ZIP code.
That said, Kia’s current promotional starting interest rates span from 0.00% to 4.49% at the time of this writing, depending on the year and model.
Typically, Kia requires a credit score of at least 650 for financing. However, there are some exceptions. For example, if you’re buying your first car and have no credit, you might qualify under the First-Time Buyer Program.
But even if your score isn’t up to snuff, it may still be worth speaking with a Kia dealer. You could also shift your focus to online auto loans, since they’re usually easier to qualify for.
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