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Used Kia Picanto on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Getting a Kia Picanto on finance

Embarking on the journey to finance a used Kia Picanto can be streamlined with a good understanding of the options available and steps involved. Here's a guide to navigate through your purchasing journey:

Understanding Your Needs and Budget:

  • Evaluate Your Finances: Identify what you can afford as a down payment and monthly installments.
  • Selecting the Right Model: Pick a Kia Picanto variant that aligns with your requirements and budget.
  • Vehicle Inspection: Check the vehicle’s condition and confirm its history to avoid future issues.

Exploring Finance Options:

1. Bank Loan:
  • Advantages: Stable, potentially lower interest rates.
  • Disadvantages: Stricter eligibility criteria and possible lengthy approval processes.
2. Hire Purchase (HP):
  • Advantages: Simple structure, ownership upon last payment.
  • Disadvantages: Higher monthly payments compared to some other options.
3. Personal Contract Purchase (PCP):
  • Advantages: Lower monthly payments, flexible end-of-term options.
  • Disadvantages: Potentially more expensive in the long run, mileage limitations.
4. Dealer Financing:
  • Advantages: Convenient, potential promotions.
  • Disadvantages: May have higher interest rates than banks.
5. Peer-to-Peer Lending:
  • Advantages: Quick and possibly lenient with credit scores.
  • Disadvantages: Ensure the platform's credibility and understand associated terms.

Engaging in the Purchase Process:

a. Select a Reputed Seller:
  • Consider their reliability, customer reviews, and track record.
b. Negotiation:
  • Be prepared with market prices and data to effectively negotiate.
c. Finalizing the Deal:
  • Thoroughly go through all terms before signing the agreement.
d. Insurance:
  • Ensure you get an insurance policy that aligns with your needs before the car is driven.

Post-Purchase Considerations:

  • Maintaining the Car: Keep up with regular services and maintenance.
  • Managing Loan Payments: Ensure timely payments to avoid penalties and safeguard your credit score.

Additional Tips:

  • Depreciation: Keep in mind that cars depreciate, and choose a financing term that acknowledges this factor.
  • Loan Terms: Pay attention to the loan duration and total payable amount, ensuring it aligns with your financial stability.
  • Warranties: Inquire about existing warranties and consider purchasing additional coverage.

In Summary:

When financing a used Kia Picanto, attentiveness to details, a clear understanding of financial products, and mindful budgeting are vital. Ensure a balanced view of the total cost, affordability, and vehicle condition as you proceed, and consult a financial advisor if needed to navigate through the options available to you. This way, you can enjoy your Picanto while being financially savvy!

About the Kia Picanto

Size isn't always an indicator of substance, and the Kia Picanto stands as a testament to this. This compact city car, hailing from the stables of the South Korean automaker, Kia, packs a punch well above its weight class, making it an excellent choice for urban dwellers and first-time drivers alike.

Efficiently Compact:

Designed for the city, the Picanto's compact dimensions make navigating tight streets and squeezing into compact parking spaces a breeze. Yet, the car's interiors are surprisingly spacious, offering a comfortable ride even on longer journeys.

Stylish and Modern:

For a car of its size, the Picanto doesn't skimp on style. Its dynamic front grille, sleek headlights, and contemporary design language make it stand out in a crowd. The interior is equally impressive, with a well-laid-out dashboard and modern infotainment features, ensuring that drivers and passengers remain connected and entertained.

Performance:

Under its hood, the Picanto houses efficient engines tailored for city driving. While it might not be the fastest car on the road, its agility and nimbleness more than compensate. It responds eagerly to driver inputs, making it fun to drive in urban settings.

Safety First:

Despite its compact nature, the Picanto does not compromise on safety. It comes equipped with an array of safety features, including multiple airbags, anti-lock braking systems, and stability control. This ensures peace of mind for both the driver and passengers.

Conclusion:

The Kia Picanto is a shining example of how a small package can deliver big on promises. With its blend of style, efficiency, safety, and affordability, it's an ideal choice for those looking for a reliable and modern city car.

Buying Guide

Want to find out everything about all Picanto models, pros and cons, what to look out for and everything else you need to know? Check out our Kia Picanto buying guide here.

Kia Picanto Data by County

Kia Picanto data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All2,158£10,143630,8164,058
Aberdeen City15£10,698522,21816
Aberdeenshire5£13,498312,10817
Angus3£10,828527,97612
Antrim5£10,937510,10712
Ards6£10,367535,04516
Armagh1£10,495331,228-
Ballymena1£3,4001339,3154
Ballymoney1£4,4501030,5672
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,12329,605-
Bedfordshire35£8,577838,02564
Belfast3£8,049833,9849
Berkshire21£10,556626,59976
Bexley - Greater London2£9,147641,5761
Blaenau Gwent3£13,632318,6802
Brent - Greater London3£5,233990,0004
Bristol10£5,6211171,21132
Bromley - Greater London9£12,93458,36711
Buckinghamshire19£9,778629,21146
Cambridgeshire57£11,338522,32695
Cardiff1£11,899314,0554
Carmarthenshire5£8,035744,5521
Cheshire58£11,988416,824110
City of Edinburgh22£9,415734,02933
City of London - Greater London17£11,848525,08710
Coleraine1£11,495411,1995
Conwy3£13,728429,0882
Cornwall10£11,718527,07615
County Durham42£10,209527,17173
Craigavon1£2,9501433,4002
Croydon - Greater London13£12,681414,34919
Cumbria12£9,911643,96916
Denbighshire1£4,395973,0002
Derbyshire46£10,185523,055111
Derry1£12,99525,7001
Devon38£11,093528,26384
Dorset23£12,258521,49042
Down1£11,99535,358-
Dumfries and Galloway6£11,182520,1006
Dundee City8£10,346531,12425
Ealing - Greater London3£4,6931257,3334
East Ayrshire4£9,233545,5487
East Riding of Yorkshire4£8,803636,7616
East Sussex22£10,951627,45543
Enfield - Greater London11£13,806318,54022
Essex48£11,948524,43891
Falkirk5£10,281636,0726
Fife28£11,752420,10451
Glasgow City53£11,839422,268104
Gloucestershire14£7,892748,52414
Greater Manchester150£9,704729,227299
Gwynedd3£7,662861,333-
Hampshire64£10,953526,976125
Harrow - Greater London6£7,780925,9554
Havering - Greater London29£11,129525,06939
Herefordshire29£12,913320,35022
Hertfordshire67£11,866425,208124
Highland8£11,196636,04810
Hillingdon - Greater London3£4,8931163,99017
Hounslow - Greater London5£7,488935,71022
Inverclyde6£8,748639,9512
Isle of Wight14£9,253834,05611
Kent61£11,595523,503131
Kingston upon Thames - Greater London1£10,000439,1381
Lancashire52£9,316635,942138
Larne1£10,950429,000-
Leicestershire58£11,622426,29290
Lincolnshire48£10,655530,75671
Merseyside21£12,035423,71950
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray2£11,495320,5506
Neath Port Talbot1£7,990932,1531
Newport1£4,4951060,2873
Newry and Mourne4£14,249310,7824
Newtownabbey4£12,148431,59416
Norfolk49£11,961422,65072
North Ayrshire3£9,313629,4215
North Down2£9,495523,6011
North Lanarkshire10£12,960419,27322
North Yorkshire46£11,464422,387105
Northamptonshire18£10,716625,53238
Northumberland11£11,799425,40010
Nottinghamshire40£12,080418,53681
Oxfordshire14£11,686520,03727
Perth and Kinross6£11,012526,60717
Redbridge - Greater London1£11,99548,695-
Renfrewshire34£10,283629,67127
Rhondda Cynon Taf12£8,276751,94815
Richmond upon Thames - Greater London1£3,9851238,5622
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire23£13,215315,12648
Somerset25£12,074523,97938
South Ayrshire10£12,205522,34922
South Yorkshire58£11,669524,782136
Staffordshire38£10,957523,93063
Stirling9£13,514310,89831
Suffolk34£11,230518,93938
Surrey52£12,409420,76680
Sutton - Greater London2£2,6931579,5004
Tyne and Wear35£9,194736,14165
Warwickshire2£9,698627,65510
West Dunbartonshire3£12,382415,2241
West Lothian13£10,413623,79929
West Midlands91£10,644626,470201
West Sussex32£10,028531,03254
West Yorkshire78£11,358521,954192
Wiltshire31£11,044524,64051
Worcestershire28£11,820424,40351
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