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Kia Finance

Kia Car Finance

Finance a reliable, feature-packed Kia with Happy Motor Finance. From the sporty Ceed to the electric EV6, find a finance deal that works for you.

Check Your Eligibility in 60 Seconds
No Effect on Credit Score Soft Search Only FCA Regulated All Credit Types Welcome Quick Decisions Any Reputable Dealer SAF Authorised
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4.9
Google Reviews

With no impact to your credit score*

Calculate Your Finance

£6,500
£200

Estimated monthly payments

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

About Kia Car Finance

Kia, founded in South Korea in 1944, has grown into a global automotive powerhouse. The brand's transformation in recent years has been remarkable, winning multiple design awards and topping reliability surveys. In the UK, Kia has become one of the fastest-growing brands, thanks to stylish models, generous specifications, and that reassuring 7-year warranty.

Financing a Kia through Happy Motor Finance gives you access to competitive rates from our panel of trusted lenders. Whether you're looking at a brand-new model or a quality used Kia, we'll help you find a deal that fits comfortably within your monthly budget.

Popular Kia Models We Finance

Kia's diverse range offers something for every type of driver. Our most popular Kia models include:

  • Kia Picanto — A cheerful city car that's easy to park and cheap to run
  • Kia Ceed — A well-equipped family hatchback rivalling the Golf
  • Kia Sportage — One of the UK's best-selling SUVs with striking design
  • Kia Niro — Available as hybrid, plug-in hybrid, or full electric
  • Kia EV6 — An award-winning fully electric car with rapid charging capability
  • Kia Sorento — A spacious seven-seater SUV for larger families

No matter which Kia appeals to you, we're here to help you finance it.

What Are My Finance Options?

We offer flexible finance options to suit your needs:

  • Hire Purchase (HP) — Spread the cost with fixed monthly payments. Once you've made your last payment, the Kia is yours.
  • Personal Contract Purchase (PCP) — Enjoy lower monthly payments and choose to keep the car, return it, or upgrade at the end of the term.
  • Personal Loan — Borrow the full amount and own the car outright from day one.

Our team will guide you through each option so you can choose with confidence.

Why Kia Offers Great Value on Finance

Kia's combination of competitive pricing, low running costs, and high residual values makes them an excellent choice for finance customers. The 7-year manufacturer warranty (transferable to subsequent owners) provides extra peace of mind, while many Kia models come with generous standard equipment that would be optional on rival brands.

Used Kias are particularly good value, as younger models will still carry years of remaining warranty, reducing the risk associated with buying second-hand.

Why Choose Happy Motor Finance for Your Kia?

Kia has transformed from a budget brand into one of the most respected car manufacturers in the world. With bold design, excellent reliability, and an industry-leading 7-year warranty, a Kia represents outstanding value for money.

At Happy Motor Finance, we make it easy to spread the cost of your Kia into affordable monthly payments. Our wide panel of lenders means we can find competitive rates for all credit types, and our straightforward application process takes just minutes.

How It Works

Getting car finance doesn't have to be complicated. Here's how our simple process works.

📝

Apply Online

Complete our quick and easy application form in just a few minutes. It won't affect your credit score.

🔍

Get Matched

We'll search our panel of lenders to find the best deal for your circumstances.

🚗

Choose Your Car

Once approved, choose any car from any reputable dealer. Our Personal Shopper service can help.

🎉

Sign & Drive

Sign your finance agreement and drive away in your new car. It really is that simple!

Start Your Application

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

Kia Car Finance FAQ

Yes, Happy Motor Finance considers all credit types. We have lenders on our panel who specialise in helping customers with adverse credit histories, including CCJs, defaults, and missed payments. Apply today and we'll do our best to find a deal for you.
The amount depends on your personal circumstances, including income and credit profile. We finance a wide range of Kia models, and every application is assessed individually.
No, we have no-deposit finance options available. Providing a deposit is entirely optional, though it can help lower your monthly payments and may improve the rate you're offered.
Yes, Kia's 7-year warranty is transferable, meaning if you finance a used Kia that's less than seven years old, you'll benefit from the remaining warranty coverage.
Electric Kias like the EV6 and Niro EV have a higher purchase price, but lower running costs can make the overall cost of ownership very competitive. We can help you finance any Kia model, electric or otherwise.

Ready to Finance Your Kia?

Apply now for Kia car finance. Quick, easy, and no effect on your credit score.

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

Our Lending Partners

Representative Example

Borrowing

£6,500

Term

60 months

Monthly Payment

£161.19

APR

16.9%

Total Amount Payable: £9,671.55

This is a representative example. The rate you are offered may differ depending on your personal circumstances.