Kia PCP Calculator
Calculate your Kia PCP monthly payments for Picanto, Rio, Ceed, Sportage, Sorento. Get instant quotes with our free Kia PCP finance calculator.
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Kia PCP Calculator
Final payment: £11250.00 (45%)
Your Kia PCP Finance Results
Amount to be financed
£21,250.00
Estimated monthly payment
£303.69
Term
48 months
Final payment at end
£11,250.00 (45%)
Total Amount Paid
£29,576.94
Total interest
£4,576.94
About Kia PCP Finance
Kia PCP (Personal Contract Purchase) is one of the most popular ways to finance a Kia.It offers flexible monthly payments and the option to own your Kia at the end of the agreement.
Kia Financial Services provides competitive PCP rates, typically ranging from 4.9% to 9.9% APR. Popular Kia models on PCP include the Picanto, Rio, Ceed, Sportage, Sorento.
With Kia PCP, you can drive with lower monthly payments than traditional hire purchase, and you have the flexibility to upgrade to a newer Kia model at the end of your agreement.
Kia PCP FAQs
What is Kia PCP finance?
Kia PCP (Personal Contract Purchase) is a flexible financing option that allows you to drive a Kia with lower monthly payments. You pay a deposit, make monthly payments, and can choose to buy the car, return it, or trade it in at the end of the agreement.
What Kia models are available on PCP?
Most Kia models are available on PCP including the Picanto, Rio, Ceed, Sportage, Sorento. Kia also offers PCP on their vehicles with competitive rates and flexible terms.
What is the typical APR for Kia PCP?
Kia PCP APR rates typically range from 4.9% to 9.9% depending on the model, your credit profile, and current promotional offers. Kia often runs special finance deals with reduced APRs on selected models.
How much deposit do I need for Kia PCP?
Kia PCP typically requires a minimum deposit of 10-20% of the car's value, though you can put down more to reduce monthly payments. For a £25,000 Kia, you'd typically need a £3,750-£5,000 deposit.
Can I get Kia PCP with bad credit?
Kia Financial Services offers PCP to customers with various credit profiles, though those with excellent credit will get the best rates. They will assess your application and may offer alternative terms if needed.
What happens at the end of Kia PCP?
At the end of your Kia PCP agreement, you have three options: 1) Pay the final balloon payment to own the car, 2) Return the car to Kia (subject to fair wear and tear), or 3) Use any equity as a deposit for a new Kia.
Are there mileage restrictions on Kia PCP?
Yes, Kia PCP agreements include an annual mileage limit (typically 8,000-15,000 miles). If you exceed this limit, you'll pay an excess mileage charge (usually 5-10p per mile) when you return the car.
Can I modify my Kia on PCP?
Kia PCP agreements generally don't allow significant modifications as they affect the car's value. Minor cosmetic changes may be acceptable, but you should check with Kia Financial Services before making any modifications.
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