Personal Contract Purchase (PCP) Car Finance | Kia UK
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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 - and own the car - once the contract concludes. Alternatively, when your PCP car finance payments are over, you can hand the car back to us with nothing further to pay (subject to mileage and fair wear and tear).

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

You pay a deposit and then make monthly repayments based on the outstanding loan balance less the optional final payment.

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

  • Circular arrows

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

  • Car

    Hand back the car with nothing more to pay. Subject to mileage and fair wear and tear. If electing to hand the vehicle back at the end of contract, any mileage in excess of 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).

PCP offers

Here are some of our most popular Personal Contract Purchase model offers running at the moment.

  • Personal Contract Purchase (PCP)
    Ceed: 6.9% APR Representative
    Ceed: 6.9% APR Representative

    6.9% APR over 36 months with no minimum customer deposit and £2,250 finance deposit contribution.

     

    Terms apply - scroll to bottom to view.

  • Personal Contract Purchase (PCP)
    Picanto: 6.9% APR Representative
    Picanto: 6.9% APR Representative

    6.9% APR over 36 months with no minimum customer deposit and £750 finance deposit contribution.


    Terms apply - scroll to bottom to view.

  • Personal Contract Purchase (PCP)
    XCeed: 6.9% APR Representative
    XCeed: 6.9% APR Representative

    6.9% APR over 36 months with no minimum customer deposit and £2,500 finance deposit contribution.


    Terms apply - scroll to bottom to view.

PCP offers by car

Other offers

  • The all-new Sportage
    The all-new Sportage

    Available with 4.9% APR Personal Contract Purchase and £500 towards your Kia PCP contribution over 36 months with no minimum customer deposit.

     

    Terms apply - scroll to bottom to view.

  • Scrappage Scheme: up to £2,250 allowance
    Scrappage Scheme: up to £2,250 allowance

    The Kia Scrappage Scheme. Available on Stonic, Picanto & Rio when you trade in your old car.

     

    Terms apply - scroll to bottom to view.

     

FAQs

Terms & Conditions

 

Scrappage:

 

Scrappage saving of £1,750 (incl. VAT) on Picanto and Rio, and £2,250 (incl. VAT) on Stonic. Offer available on purchase of a new Picanto, Rio or Stonic in the United Kingdom between 01.04.2022 and 30.06.2022. Retail Sales only. This offer is conditional on the scrappage of a car or van, of any make, in good working order, not identified as an insurance write off category A or B, originally registered on or before 30.06.2015, and owned by the customer for at least three months. The scrappage saving is in lieu of all other offers. Only one scrappage payment can be claimed for each vehicle scrapped. Kia reserves the right to amend or withdraw offers at any time without prior notice. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions click here.

 

The all-new Sportage:

 

£500 towards your Personal Contract Purchase Deposit on all-new Sportage. Offer available on purchase of a new Kia Sportage in the United Kingdom between 01.04.2022 and 30.06.2022. 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.

 

XCeed:

 

£2,500 towards your Personal Contract Purchase deposit on XCeed. Offer available on purchase of a new Kia XCeed in the United Kingdom between 01.04.2022 and 30.06.2022. 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.

 

Ceed:

 

£2,250 towards your Personal Contract Purchase deposit on Ceed. Offer available on purchase of a new Kia Ceed in the United Kingdom between 01.04.2022 and 30.06.2022. 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.

 

Picanto:

 

£750 towards your Personal Contract Purchase Deposit on Picanto. Offer available on purchase of a new Kia Picanto in the United Kingdom between 01.04.2022 and 30.06.2022. Retail Sales only. Personal Contract Purchase deposit contribution not available in conjunction with Scrappage saving. 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.