Financing a Kia in 2025 can be a smooth and straightforward process, especially when you have the right guidance and a team ready to support you. No matter if you’re a first-time buyer or upgrading to a newer model, knowing how to approach auto financing makes a big difference in both cost and experience.
At Montrose Kia, we work closely with drivers to help them understand their options and apply for financing with confidence.
Understand Your Financing Options
Before you apply, it helps to know what types of financing are available. Kia offers both leasing and traditional loan options through Kia Finance America, and both can be tailored based on your budget, credit standing, and vehicle of choice.
If you’re aiming to purchase, your loan term, interest rate, and down payment will shape your monthly cost. Leasing typically requires lower monthly payments, though you’ll need to consider mileage limits and lease-end conditions.
We also see buyers exploring promotions such as cashback offers, low-APR specials, and loyalty incentives. Some may qualify for programs geared toward military personnel, recent graduates, or those buying their first car. When you visit our dealership, we’ll go over all available options and help you choose a plan that fits your needs.
Prepare Your Financial Profile
Your credit score influences the types of loans available to you. Although perfect credit is not required to qualify, a solid credit history can provide access to more favorable terms. If your credit is still developing or recovering, there are options to explore.
For instance, Kia’s First-Time Buyer Program caters to drivers with little or no credit by emphasizing income and payment capability instead.
Gather documents ahead of time, such as proof of income, residence, driver’s license, and any current loan or debt information. This will help speed up the process once you're ready to apply. If you're trading in your current vehicle, be sure to bring in the necessary title or payoff details so we can factor that into your financing offer.
Start Your Application Online or In Person
At Montrose Kia, you can start your application online anytime. Our secure financing form lets you submit the basics so our finance team can begin reviewing your information before you even step through the door.
If you prefer to handle things in person, we’ll walk you through every part of the process in our dealership, answering your questions and giving personalized guidance along the way.
Once we receive your application, we’ll connect with our network of lenders and Kia Finance America to find the best available terms. From there, we’ll present the details and work with you to finalize a plan that fits your lifestyle.
Get Pre-Approved and Shop with Confidence
Getting pre-approved gives you an idea of your loan amount and interest rate, which helps when choosing the right vehicle for your budget. It also gives you more flexibility during negotiations and can save you time during the purchase process. Our team will guide you through pre-approval if you’d like to shop with a clear plan in place.
Let Montrose Kia Help You Drive Home Happy
Montrose Kia takes pride in helping our customers find not only the perfect Kia vehicle, but also the right financing plan to match. Our experienced finance professionals are here to support you every step of the way, whether you’re applying online or walking in for a same-day consultation.
To explore your financing options or get started with an application, visit us at Montrose Kia or stop by our showroom. We’ll help you take the next step with confidence.