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Personal Contract Purchase (PCP) offers

PERSONAL CONTRACT PURCHASE (PCP) OFFERS

With a Personal Contract Purchase (PCP), you pay for a portion of the vehicle's upfront sale price over a number of years, but can then settle the balance.
EV5

How does PCP work?

Kia Finance PCP



With PCP finance, you pay for a portion of the vehicle's upfront sale price over several years. Once the contract ends, you can take ownership of a car on PCP or return it to Kia with nothing further to pay (subject to mileage and fair wear and tear).

At the start of a contract, we’ll set an optional final payment for your car, which will be based on your chosen agreement term and approximate annual mileage.

You'll then pay a deposit and make monthly repayments based on the outstanding loan balance, minus the optional final payment.

At the end of the monthly repayment period you’ll have three options:

  • Circular arrows

    Pay the optional final PCP payment and take ownership of the car.

  • Car

    Hand the car back with nothing more to pay. This is subject to mileage and fair wear and tear. If you elect to hand the vehicle back at the end of the contract, any mileage over the agreed limit will be chargeable at 9p per mile (Inc. VAT) for all models.

  • Chequered flag

    Part exchange the car and use any equity as a deposit on your next car (if any available, which cannot be guaranteed)

All policies are subject to mileage and fair wear and tear. If you decide to return the vehicle to us at the end of the contract, any mileage over the agreed limit will be chargeable at 9p per mile, including VAT.

Deposit contributions on selected finance products

With a number of ways to buy your new Kia, you'll find a car finance offer to suit you.

  • Personal Contract Purchase (PCP)
    EV2: 3.9% APR Representative and up to £3,750 Reservation Saving.
    EV2: 3.9% APR Representative and up to £3,750 Reservation Saving.

    Available from 01.04.2026 and 30.06.2026. T&Cs Apply, Subject to Status, 18's or over, Guarantee may be required.  Kia Finance RH2 9AQ.

     

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  • Personal Contract Purchase (PCP)
    EV3: 3.9% APR Representative and up to £3,000 PCP deposit contribution.
    EV3: 3.9% APR Representative and up to £3,000 PCP deposit contribution.

    Selected derivatives available with £1,500 Electric Car Grant*.

     

    Available from 01.04.2026 and 30.06.2026. T&Cs Apply, Subject to Status, 18's or over, Guarantee may be required.  Kia Finance RH2 9AQ.

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  • Personal Contract Purchase (PCP)
    EV5: 3.9% APR Representative and £1,500 PCP deposit contribution.
    EV5: 3.9% APR Representative and £1,500 PCP deposit contribution.

    Available from 01.04.2026 and 30.06.2026. T&Cs Apply, Subject to Status, 18's or over, Guarantee may be required.  Kia Finance RH2 9AQ.

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We offer PCP across the whole Kia range

FAQs

  • Request a Test Drive Test Drive Book a test drive with your local Kia dealer. Request a Test Drive Test Drive Book a test drive with your local Kia dealer.
  • Request a Brochure Brochure Download a brochure today. Request a Brochure Brochure Download a brochure today.
  • Configure Your Car Configure your car Design and build your perfect Kia. Configure Your Car Configure your car Design and build your perfect Kia.
  • Car Finance Calculator Finance Calculator Choose your dream Kia car and use our finance calculator to create a personalised finance quote. Car Finance Calculator Finance Calculator Choose your dream Kia car and use our finance calculator to create a personalised finance quote.
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Request an appointment with a Kia expert

If you've got a query you'd like answering, or if you're looking for some specific information, you can request an appointment with a Kia expert at one of our local showrooms.

Whether you want to know more about a particular Kia model, colour options, features, performance specifications — tell us what you want to know and we'll get back to you at a time that suits you.
Request an appointment

Additional personal and business offers

  • Used Car Offers
    Used Car Offers

    We ensure all our pre-owned vehicles meet the high standards our customers deserve.

    View Offers
  • Motability Offers
    Motability Offers

    Find out about low advance payments and weekly allowances.

     

    View Offers
  • Business Offers
    Business Offers

    Discover the perfect arrangement for you and your business.

     

    View Offers
  • Offers for Owners
    Offers for Owners

    Need a service? Book online with us at a time that suits you.

     

    View Offers

Terms & Conditions

 

EV2

The Electric Car Grant is a UK Government grant to promote the purchase of certain new electric vehicles. The Kia EV2 model is currently pending eligibility approval for this scheme. If the vehicle is approved and included in the scheme, then customers purchasing a qualifying vehicle will receive either £3,750 or £1,500 off the purchase price through the Government grant. For more information on the grant, please visit https://www.gov.uk/plug-in-vehicle-grants/cars. If the vehicle does not become eligible for the Electric Car Grant, then Kia will ensure through the Kia EV2 Reservation Saving that qualifying customers purchasing the Kia EV2 will receive the relevant equivalent discount on the purchase price, namely £3,750 reservation saving available on EV2 Air, GT-Line and GT-Line S. £1,500 reservation saving available on EV2 First Edition. The relevant saving will be automatically applied to the on-the-road price on the retail invoice for your vehicle. The Kia EV2 Reservation Saving is available by making a non-binding reservation of a new Kia EV2 in the United Kingdom between 01.04.2026 and 30.06.2026. Retail Sales only. Offer can be used in
conjunction with other Kia offers. Qualifying customers will receive either the Government Electric Car Grant or, if unavailable, the equivalent Kia discount of either £3,750 or £1,500. The grant and the offer cannot be aggregated or combined.  Should the qualifying customer choose to purchase the vehicle, the discount will be applied at the point of sale. Not available to fleet customers. No cash alternative. This offer is in no way sponsored, endorsed or administered by, or associated with, the UK Government or the Electric Car Grant scheme. In respect of vehicles purchased on a lease or with finance, further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice. Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance, RH2 9AQ. 7-year / 100,000 mile manufacturer’s warranty.

 

EV3

£3,000 towards your PCP deposit on EV3 GT-Line S. £2,000 towards your PCP deposit on EV3 Air and GT-Line.  *The Electric Car Grant is a UK Government grant to promote the purchase of certain new electric vehicle . Customers purchasing an EV3 Air or GT-Line vehicle will receive £1,500 off the purchase price through the Government grant. For more information on the grant, please visit https://www.gov.uk/plug-in-vehicle-grants/cars. Offers available on purchase of a new Kia EV3 in the United Kingdom between 01.04.2026 and 30.06.2026. Retail Sales only Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice. Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance, RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty.

 

 

EV5:

£1,500 towards your PCP deposit on EV5. Offer available on purchase of a new Kia EV5 in the United Kingdom between  01.04.2026 and 30.06.2026. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice.  Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions click here.


Kia UK Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 731457 for credit broking and is a credit broker and not a lender. Kia UK Limited introduces customers to its appointed dealers who act as credit brokers in their own right and who may introduce customers to Hyundai Capital UK Limited, trading as Kia Finance, which is authorised and regulated by the Financial Conduct Authority under firm reference number 581186 as a lender. As a credit intermediary, Kia Finance will pay Kia dealers (credit brokers) a commission for the introduction of business. The credit brokers work with a limited selection of lenders only. They have not searched the whole market to offer you the most suitable or competitive finance terms that may be available. Credit brokers are being paid a commission and therefore will not be able to give you an impartial recommendation as to the finance options available to you. There may be better finance deals available for you elsewhere in the market. All commission amounts will be disclosed prior to completion of your agreement. Kia UK Ltd is registered in England & Wales No: 4415807. Registered Office: Walton Green, Walton-On-Thames, Surrey, KT12 1FJ.

 

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