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How to Buy a Car on Finance

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How can you get a Car on Finance?

If you want to buy a Kia car on finance, there are several affordable and flexible options available designed to suit every lifestyle and budget. However, if you're new to car finance, understanding exactly what each type of offer is important to deciding on a plan that works for you. The same can be said if you're looking to upgrade the finance on your car.

In this guide, we explain how to finance a car and explore the most popular options available through Kia, includng Personal Contract Purchase (PCP) and Personal Motor Loan (PML) .

Kia Sportage in experience green - side view

Buying a car on finance: your options explained



If you’re looking to get a car on finance, you need to consider the options available to you. At Kia, the two most popular are:
- Personal Motor Loan (PML)
- Personal Contract Purchase (PCP)

Let’s explore how you can finance a car loan through these methods, what each involves and what they can offer you.

Kia dealership with models driving a Sportage

Personal Motor Loan (PML)



Personal Motor Loan is a tradtitional and straightforward way to get a new Kia on finance. You spread the full cost of the car over an agreed term and own the vehicle outright at the end.

Key features or PML:
- Fixed monthly repayments over an agreed period
- Optional deposit to reduce monthly costs
- Fixed interest rate, so you know exactly what you'll repay
- Full ownership of the car once the agreement ends
- Flexibility to settle early if you choose to

For drivers who want clarity and ownership from day one, a Kia car financed through a Personal Motor Loan offers long-term value and control.

Kia Sportage with tailgate open, model on a bike

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Considering financing a Kia car? Use our car finance calculator to get a personalised quote

Kia dealership, with models shaking hands

Personal Contract Purchase (PCP)

PCP finance allows you to spread the cost of car repayments while keeping your options open at the end of the agreement.

How PCP works:
- Choose your Kia and contract length
- Pay an initial deposit followed by fixed monthly repayments
- Lower monthly payments compared to traditional loans

You also have options at the end of the agreement to:
- Make an optional final payment to own the car
- Part-exchange for a new Kia
- Return the vehicle

Kia Niro Hybrid

How to buy a Kia car on finance

At Kia, we want to ensure the driving experience of tomorrow is available and accessible to everyone today. That’s why we offer a wide range of finance options across our award-winning range, including petrol Hybrid, Plug-In Hybrid, and Electric vehicles.

Available on PCP or PML through Kia Finance:
- The Kia EV6, an all-electric crossover with ultra-fast charging capabilities.
Our award-winning SUV , the Kia Sportage offers multiple powertrains.
- As a dynamic crossover , the Kia XCeed combines modern design with advanced technology

Explore our latest Kia finance deals or use our car finance calculator to personalise your quote and discover how to apply for car finance online.

FAQs

 

Images shown are for illustration purposes only and may not be to full UK specification. Features shown are not standard across the Kia model range and availability will vary dependant on model. For further details please refer to the individual model specification sheets.

 

 

 

 

 

*The range was determined according to the standardised EU measurement procedure (WLTP). The individual driving style and other factors, such as speed, outside temperature, topography and the use of electricity-consuming devices/units, have an influence on the real-life range and can possibly reduce it.

 

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