Personal Contract Purchase (PCP) Car Finance | Kia UK
Go to content

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)
    e-Niro: 4.9% APR Representative
    e-Niro: 4.9% APR Representative

    £1,000 Kia PCP contribution on 4.9% APR Representative PCP finance. No minimum customer deposit. Terms apply - scroll to bottom to view.

  • Personal Contract Purchase (PCP)
    Soul EV: 4.9% APR Representative
    Soul EV: 4.9% APR Representative

    £1,000 Kia PCP contribution on 4.9% APR Representative PCP finance. No minimum customer deposit. Terms apply - scroll to bottom to view.

  • Personal Contract Purchase (PCP)
    Sportage: Interest free
    Sportage: Interest free

    0% APR Personal Contract Purchase over 24 months with 20% minimum customer deposit. Plus, get your first 2 Services Free and 2 Years RAC when you purchase. Terms apply - scroll to bottom to view.

     

PCP offers by car

Other offers

  • Go Hybrid
    Go Hybrid

    Available with 0% APR, first 2 services free & 2 years roadside assistance. Personal Contract Purchase over 24 months with 20% minimum customer deposit.

    Terms apply - scroll to bottom to view.

  • Kia Scrappage Scheme
    Kia Scrappage Scheme

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

    Terms apply - scroll to bottom to view.

     

FAQ's

Terms & Conditions

 

Go Hybrid:

 

0% APR only available on purchase of a new Kia Sportage, Kia XCeed, Stonic, Niro Self-Charging Hybrid, and Niro Plug-In Hybrid in the United Kingdom on 24-month Personal Contract Purchase with a 20% minimum deposit between 01.07.2021 and 30.09.2021. 0% offer is not available on all-new Sorento. Offer available to private customers only, excluding Personal Contract Hire. 0% APR offer not available in conjunction with Scrappage saving. Excess miles over contracted mileage charged at 9 pence per mile. 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. *Free first two services and two-year Kia Assist Plus available on new Kia Sportage, Kia XCeed, Stonic, Niro Self-Charging Hybrid, and Niro Plug-In Hybrid models for new car orders placed before 31.08.2021 and registered between 01.07.2021 and 30.09.2021. Offer not available in conjunction with Scrappage saving. Customers have one month from their vehicle’s registration date to subscribe. Offer available to private customers only, excluding Personal Contract Hire. For more information on Kia Assist Plus, please visit Kia Roadside Assistance. 7 year / 100,000 mile manufacturer’s warranty.

 

Scrappage:

 

Scrappage saving of £2,000 (incl. VAT) on new Picanto and new Rio, and £2,500 (incl. VAT) on new Stonic. Offer available on purchase of a new Picanto, Rio or Stonic in the United Kingdom between 01.07.2021 and 30.09.2021. Private customers only, excluding Personal Contract Hire. 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 30.09.2014, 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. 

 

Soul EV:

 

4.9% APR representative only available on purchase of a new Kia Soul EV in the United Kingdom on 36-month Personal Contract Purchase with no minimum deposit and £1,000 towards your Personal Contract Purchase deposit between 01.07.2021 and 30.09.2021. Offer available to private customers only, excluding Personal Contract Hire. Excess miles over contracted mileage charged at 9 pence per mile. 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.

 

e-Niro:

 

£1,000 towards your Personal Contract Purchase deposit on e-Niro ‘3’ and ‘4+’ only. Offer available on purchase of a new Kia e-Niro in the United Kingdom between 01.07.2021 – 30.09.2021. Private customer registrations only, excluding Personal Contract Hire. Excess miles over contracted mileage charged at 9 pence per mile. 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.

 

Sportage: 

 

0% APR only available on purchase of a new Kia Sportage in the United Kingdom on 24-month Personal Contract Purchase with a 20% minimum deposit between 01.07.2021 and 30.09.2021. Offer available to private customers only, excluding Personal Contract Hire. Excess miles over contracted mileage charged at 9 pence per mile. 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.