Get a Carsnitch Report for Free Owner, price, MOT & dealer.

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.

2,623 cars

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
All2,567£11,197525,9445,015
Aberdeenshire20£13,891320,07745
Angus22£14,155211,64346
Ayrshire28£13,066321,76437
Bedfordshire36£9,830633,71657
Berkshire22£8,664834,38264
Blaenau Gwent6£10,507528,41313
Borders1£6,995926,0001
Bridgend45£12,669320,12046
Bristol21£7,625946,11737
Buckinghamshire15£11,101529,72052
Caerphilly3£9,832628,2233
Cambridgeshire67£10,285635,501114
Cardiff18£8,231928,39539
Carmarthenshire31£12,158422,56239
Ceredigion1£13,795328,3741
Cheshire62£12,212419,112120
Conwy5£14,675320,2091
Cornwall43£14,143315,71566
County Antrim11£9,536531,61736
County Armagh7£13,481325,60818
County Down9£11,070324,44322
County Durham40£10,580528,42887
County Fermanagh1£13,450317,300-
County Londonderry5£9,576625,8077
County Tyrone1£15,49527,1701
Cumbria13£13,014424,29713
Denbighshire2£8,495643,600-
Derbyshire48£10,496524,511130
Devon57£12,104523,83996
Dorset24£12,178520,96248
Dumfries & Galloway3£9,997514,7676
Dunbartonshire2£9,374531,1685
East Riding of Yorkshire19£10,961423,38432
East Sussex41£11,936521,06368
Essex68£12,554422,374105
Falkirk4£9,191734,9297
Fife25£11,858419,51567
Flintshire3£4,7281067,8625
Gloucestershire15£8,408641,62226
Greater London94£10,415626,199214
Greater Manchester149£9,494731,063272
Gwynedd2£7,995864,0001
Hampshire60£10,041630,807127
Herefordshire24£13,360315,76431
Hertfordshire66£11,247525,985157
Highland2£17,39434,99916
Inverclyde1£6,495752,0003
Isle of Anglesey1£14,99912,0001
Isle of Wight14£9,940731,86814
Kent92£12,061419,996189
Lanarkshire73£12,409419,983132
Lancashire60£9,938530,506123
Leicestershire48£11,337529,05095
Lincolnshire47£10,558530,83081
Merseyside31£13,206316,07871
Merthyr Tydfil3£10,381432,5101
Midlothian14£11,476427,99964
Monmouthshire19£12,837313,99421
Moray4£12,497320,2754
Neath Port Talbot3£7,462838,572-
Newport8£11,423429,23615
Norfolk32£12,217419,46293
North Yorkshire67£11,344419,502107
Northamptonshire23£11,813426,74244
Northumberland16£11,693423,50520
Nottinghamshire55£11,192421,886107
Oxfordshire16£12,416419,34032
Pembrokeshire20£12,301212,82130
Perth & Kinross11£11,252526,74916
Powys2£10,995619,3855
Renfrewshire21£10,074530,82743
Rhondda Cynon Taf23£10,584533,07922
Shropshire23£12,467317,95041
Somerset20£12,731418,61445
South Yorkshire54£11,175527,997115
Staffordshire60£10,851526,539159
Stirling9£13,936313,10619
Suffolk23£11,330521,67964
Surrey52£10,489629,541103
Swansea18£11,297421,24944
Torfaen5£9,614522,0232
Tyne and Wear40£10,317529,87772
Vale of Glamorgan2£9,870733,2441
Warwickshire11£10,719530,68021
West Lothian8£12,809420,94425
West Midlands108£11,764523,837215
West Sussex37£12,667322,02076
West Yorkshire83£9,903634,068175
Wiltshire34£12,760419,73772
Worcestershire32£12,496417,66554
Wrexham3£6,548938,7991
Add postcode for better results.