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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
All1,964£10,399631,5324,158
Aberdeen City15£10,315625,95523
Aberdeenshire2£8,898718,89515
Angus3£14,928211,51117
Antrim6£11,047431,04710
Ards8£11,490328,37215
Armagh2£7,395971,114-
Ballymena1£8,995541,5074
Barking & Dagenham - Greater London1£2,29014100,0001
Barnet - Greater London1£14,545310,210-
Bedfordshire27£10,190636,15461
Belfast3£9,682526,9388
Berkshire15£9,186726,38265
Blaenau Gwent4£15,79915,9022
Brent - Greater London2£6,550786,0001
Bristol21£7,2651046,81037
Bromley - Greater London8£12,971510,30411
Buckinghamshire18£8,910734,49944
Cambridgeshire52£10,164533,186109
Cardiff1£11,950227,5461
Carmarthenshire6£7,744739,3583
Cheshire48£11,176522,168119
City of Edinburgh11£11,543524,74140
City of London - Greater London8£11,703622,89911
Coleraine4£8,195837,6243
Conwy2£15,595316,632-
Cornwall10£11,202626,35717
County Durham31£9,794633,22781
Croydon - Greater London5£13,365414,09223
Cumbria9£13,243428,18715
Derbyshire60£10,972523,950126
Devon54£11,981527,06773
Dorset13£12,184627,95550
Dumfries and Galloway3£10,496517,8638
Dundee City7£7,754737,83432
Ealing - Greater London5£3,6121355,2003
East Ayrshire7£9,665639,2566
East Riding of Yorkshire7£9,872524,2295
East Sussex23£11,463526,50754
Enfield - Greater London5£12,305417,99624
Essex48£11,438527,01490
Falkirk7£8,447740,6605
Fife21£12,009518,89156
Glasgow City40£12,372423,211102
Gloucestershire10£8,929737,82123
Greater Manchester126£9,773728,053258
Gwynedd3£7,662861,333-
Hampshire53£10,343631,050124
Harrow - Greater London6£5,1551142,02910
Havering - Greater London18£12,715414,36442
Herefordshire26£13,153315,94230
Hertfordshire61£10,284628,227132
Highland5£12,598426,18214
Hillingdon - Greater London5£6,094862,38510
Hounslow - Greater London11£14,322314,93820
Inverclyde2£7,749746,7035
Isle of Wight13£9,850735,38214
Kent67£11,702526,607141
Kingston upon Thames - Greater London2£11,620624,1751
Lancashire58£9,421636,801132
Larne1£3,6901180,2611
Leicestershire50£10,301631,65195
Lincolnshire46£10,394532,60377
Merseyside21£12,068521,86246
Merthyr Tydfil1£10,999645,6534
Moray1£10,495315,3465
Newport1£3,5941481,0001
Newry and Mourne6£14,296212,0886
Newtownabbey2£10,095525,9509
Norfolk36£10,154632,12986
North Ayrshire2£8,997740,4683
North Down2£5,3731348,5084
North Lanarkshire10£10,121627,57123
North Yorkshire42£10,852523,702116
Northamptonshire24£11,404525,93146
Northumberland14£11,716421,67016
Nottinghamshire37£12,301417,45783
Oxfordshire13£12,106521,74429
Pembrokeshire1£11,699422,6821
Perth and Kinross8£11,163526,46812
Redbridge - Greater London1£11,99549,225-
Renfrewshire20£9,333633,11043
Rhondda Cynon Taf11£9,055748,08021
Shropshire18£12,682315,01444
Somerset21£10,548626,91943
South Ayrshire20£14,590311,47824
South Yorkshire49£11,362525,596125
Staffordshire34£10,689527,62865
Stirling11£13,005313,95424
Suffolk23£11,298524,47334
Surrey51£11,702423,83380
Tyne and Wear31£9,764635,24056
Warwickshire3£3,9321197,3909
West Dunbartonshire5£10,228529,0622
West Lothian9£11,702522,97928
West Midlands89£10,207632,782209
West Sussex27£11,603426,34355
West Yorkshire73£9,444635,423199
Wiltshire30£11,210524,63964
Worcestershire30£11,283526,54444
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