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Personal Motor Loan (PML) offers

PERSONAL MOTOR LOAN (PML) OFFERS

With Personal Motor Loan (PML) you can spread the cost of repayments over a set period of time, with a fixed monthly sum. Letting you pay off the total value of the car in instalments, instead of paying the full sum upfront.
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How does Personal Motor Loan work?

Kia Finance PML

A Personal Motor Loan (PML) is a traditional loan agreement that provides a straightforward path to car ownership over a fixed period. You can start by paying an optional deposit before you make the scheduled monthly repayments.

One of the key benefits of PML is the fixed interest rate, which means the amount you pay each month stays the same for the duration of the agreement. This consistent repayment schedule makes it easier to manage your budget and plan ahead, unlike other finance types that may involve variable interest rates or alternative payment structures – such as larger final payment at the end of the term outgoings.

There are no surprises at the end. Once all repayments are made, the car is yours. This makes a Personal Motor Loan an ideal finance option for those who want the security of knowing exactly what they owe, with the added advantage of full ownership at the end of the term.

Looking for some inspiration?

Explore our most popular Personal Motor Loans (PML) offers running at the moment.

  • Personal Motor Loan (PML)
    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.

     

  • Personal Motor Loan (PML)
    EV3: 3.9% APR Representative. Selected derivatives available with £1,500 Electric Car Grant*.
    EV3: 3.9% APR Representative. 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.

  • Personal Motor Loan (PML)
    EV5: 3.9% APR representative.
    EV5: 3.9% APR representative.

    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.

We offer PML across the whole Kia range

  • 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.
  • Finance Calculator Finance Calculator Choose your dream Kia car and use our finance calculator to create a personalised finance quote. Finance Calculator Finance Calculator Choose your dream Kia car and use our finance calculator to create a personalised finance quote.

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.

Other Kia offers

  • Used Car Offers
    Used Car Offers

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

  • Motability Offers
    Motability Offers

    Find out about low advance payments and weekly allowances.

     

  • Business Offers
    Business Offers

    Discover the perfect arrangement for you and your business.

     

  • Offers for Owners
    Offers for Owners

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

     

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:

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:

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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