Compare Kia Finance Rates and Deals

  • Compare your best Kia finance rates from multiple lenders
  • Finance a new or used Kia
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Kia car finance
Kia car finance

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Financing a Kia in Australia

Known for its reliable family cars, Kia is growing in popularity among Aussie drivers.

It was the third best-selling manufacturer in 2022, behind only Toyota and Mazda. The Sportage (the extremely popular SUV), and the Cerato (its stylish hatchback) are the top-selling Kia cars in Australia.

With lower prices than some of the other dominant car brands, Kia is popular with money-savvy motorists.

If you’re looking to buy a Kia, you’ll want the best deal on your finance too. That means comparing multiple lenders. Not just the one your local Kia dealer is partnered with.

As we’ll see, the interest rate on your Kia finance will make a big different to what you pay.

Kia finance options at a glance

  • Finance for all Kia models including the Sportage, Sorento, Carnival and Cerato
  • Low rate secured car loans
  • Borrow up to $150,000
  • New or used car finance
  • Fixed & variable interest rates
  • Finance terms from 1 - 7 years
  • Flexible repayment options
  • Pre-approval available
  • Novated lease for Kia available

Best Kia finance rates compared

Kia model Estimated costMonthly repayments (6% p.a. interest)Monthly repayments (8% p.a. interest)Monthly repayments (10% p.a. interest)

Rio (S Auto)





Cerato (S Hatch Auto)





Sportage (S FWD Auto)





Sorento (S Auto Sports)





Carnival (S Auto)





Kia car loan repayment examples are calculated using monthly repayments with a fixed interest rate, a 5-year term, and estimated vehicle costs as at March 2023. Estimated repayments do not include any fees the lender may charge.

How to get the best Kia finance deal

The interest rate you get on your Kia is very important. But getting the best deal on Kia finance overall means paying attention to other factors as well.

  • Ongoing finance rate: Some car finance deals come with an introductory finance rate that reverts to a higher rate. Make sure your Kia finance has a low rate throughout the term.
  • Fees: Some lenders charge an application fee and ongoing fees. These can really add up. But you should be able to find Kia finance with low or no fees.
  • Finance term: Watch out if you’re offered a loan term that’s longer than it needs to be. You’ll have lower regular repayments with a longer term, but the lender will charge you more interest overall.
  • Repayment flexibility: Having the ability to make extra repayments without being charged a fee will mean you have the option to pay off the loan early to save on interest.
Kia finance eligibility

Eligibility for Kia finance

To qualify for a Kia car loan, you’ll need to:

  • Be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Have a regular source of income
  • Have a credit score above the lender's cut-off
  • Meet the lender’s other credit criteria
Kia finance application

How to apply for Kia finance

Here’s a quick overview of the process for applying for Kia finance:

  • Compare your tailored Kia car loan quotes
  • Choose your best deal
  • Submit an application with the lender
  • Upload documents to support your application
  • Your application will be assessed by the lender

If successful, you’ll be either get car loan pre-approval up to a certain amount (this means you can go shopping for your Kia with confidence), or full approval if you have already decided on the model you want to buy.

With some lenders it’s possible to get your Kia finance approved the same day you apply.

Options for financing your Kia

Secured versus unsecured Kia finance

Financing your Kia with a secured car loan will almost certainly be cheaper than unsecured finance. This is because your Kia will be used to secure the loan, which reduces risk for the lender.

One thing to watch out for is if you are buying one of Kia’s electric vehicles and you’re planning to buy a fast charger and battery for your home at the same time. You will likely only be able to cover the cost of the vehicle itself using a secured car loan.

Green loans to finance a Kia

If you’re buying one of Kia’s electric vehicles (Niro or EV6) or a plug-in hybrid (Sorento) you may be eligible for a special finance discount through a green loan. This is a type of personal loan offered by some lenders specifically for environmentally-friendly vehicles and other green purchases.

Financing a Kia this way means you could get a discounted interest rate and lower fees.

Balloon payment options on Kia finance

If you take out finance on a Kia, you may have the option to get a car loan with balloon payment. What this means is you’ll pay off a portion of the vehicle in a single lump sum at the end of the finance term. With a standard car loan, you pay off the entire balance gradually.

Having a balloon payment means the regular repayments on your Kia will be lower, but the overall cost of the finance will be higher.

When the balloon payment falls due you will have the option to pay it or refinance it into a new loan.

Kia car loan vs novated lease

If your employer offers novated leasing, this will be another option for financing your Kia. The vehicle can still be used 100% for personal use, but the finance payments will be deducted from your pre-tax salary by your employer. This means a significant tax saving on Kia finance compared to a car loan.

You’ll be able to cover the running costs for your Kia through your salary as well, for extra tax savings. There is also a GST saving on the purchase price of the vehicle and ongoing running costs with a novated lease.

Kia finance for business and self-employed borrowers

If your Kia will be used for business purposes more than 50% of the time, you will have the option to finance it through a business car loan (sometimes referred to as a chattel mortgage). There are tax advantages to using business finance if you’re eligible.

This can also be an option for self-employed borrowers looking to finance a Kia. If the vehicle will be used mainly for personal use, a low doc car loan is another option for self-employed borrowers. It means you can apply without the standard documents (e.g. payslips) that mainstream lenders expect.

Frequently asked questions about Kia finance

Interest rates on Kia finance vary depending on the lender you choose and your circumstances (for example, your credit score plays a big part). To get the lowest rate possible:

Compare as many lenders as possible Look for a secured car loan Check if you’re eligible for a novated lease through your employer

It can be possible to get approval on Kia finance the same day. Exact timings will depend on the lender and how quickly you can provide any requested documents to support your application (bank statements, pays slips etc.). In some cases, particularly if the application is complex, it could take longer.

Yes, Kia does offer finance to customers who buy one of its vehicles. Kia says you can borrow to cover the cost of the vehicle and other up front costs such as registration.

However, dealer finance is often sold based on the convenience factor, and not because it represents the best deal available.

You may end up paying considerably more for the convenience of taking out finance at the same time as you buy your Kia.

Shopping for the best finance separately will mean you have access to a wider range of options, and it generally won’t take any longer to be approved.

This will depend on the lender you choose. If you get a loan through a major bank, you will generally need to have a ‘good’ credit score (usually above 660). But smaller lenders are generally more flexible and may accept borrowers with an ‘average’ credit score (above 460).

There are also lenders who specialise in offering bad credit car loans. This may be an option for financing a Kia if you have issues in your credit history.

Shopping around for the right loan can save you thousands of dollars in interest and fees.

Car Loans guides and resources

Where to next? Read our other car loan guides to understand more about your options for financing your next car.

Written by

Shaun McGowan founder

Loans Expert

Shaun McGowan

Reviewed by

Sean Callery Editor


Sean Callery


*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.