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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
All2,094£10,199630,9723,765
Aberdeen City15£10,671522,32816
Aberdeenshire3£13,665316,11015
Angus2£5,895855,18313
Antrim4£12,39737,38312
Ards6£10,367535,04512
Armagh1£10,495331,228-
Ballymena1£3,4001339,3154
Ballymoney1£4,4501030,5672
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,12029,605-
Bedfordshire29£7,866839,74462
Belfast2£10,249618,4769
Berkshire19£11,692421,86267
Bexley - Greater London2£9,143641,5761
Blaenau Gwent4£13,849318,5801
Brent - Greater London3£5,233990,0004
Bristol12£7,2681058,10831
Bromley - Greater London9£12,93458,36711
Buckinghamshire20£9,158633,57943
Cambridgeshire52£11,310524,04792
Cardiff1£11,899314,0554
Carmarthenshire4£8,370740,7651
Cheshire55£11,727419,553107
City of Edinburgh21£9,490634,58829
City of London - Greater London15£11,701626,10311
Coleraine1£11,495411,1993
Conwy3£13,395429,0881
Cornwall9£10,658629,99115
County Durham40£10,191526,27072
Croydon - Greater London12£13,123313,33616
Cumbria12£10,716540,42213
Denbighshire1£4,395973,0002
Derbyshire51£10,420522,249103
Derry1£12,99525,700-
Devon35£10,913629,14377
Dorset23£12,383520,97342
Down1£11,99535,358-
Dumfries and Galloway6£11,182520,1006
Dundee City9£9,362531,17424
Ealing - Greater London4£3,9431350,7502
East Ayrshire4£9,233545,5486
East Riding of Yorkshire5£7,542842,6354
East Sussex24£11,635524,48539
Enfield - Greater London8£12,945323,36822
Essex47£11,822524,81287
Falkirk5£10,239636,0726
Fife26£11,820419,05344
Glasgow City47£11,978422,070100
Gloucestershire14£8,129746,09611
Greater Manchester147£9,733729,402281
Gwynedd3£7,662861,333-
Hampshire53£11,387525,128121
Harrow - Greater London6£6,4301037,6374
Havering - Greater London26£10,952625,77235
Herefordshire28£12,924320,71421
Hertfordshire61£11,714526,026120
Highland8£10,760536,76711
Hillingdon - Greater London3£4,8931163,99015
Hounslow - Greater London5£7,488935,71017
Inverclyde6£8,748639,9512
Isle of Wight13£9,734734,45311
Kent64£11,690523,619119
Kingston upon Thames - Greater London1£10,000439,138-
Lancashire54£9,192737,430132
Larne1£10,950429,000-
Leicestershire56£11,485528,04390
Lincolnshire43£10,805430,37869
Merseyside18£12,100424,61247
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray2£11,495320,5506
Neath Port Talbot1£7,990932,153-
Newry and Mourne4£14,249310,7823
Newtownabbey3£11,198441,29213
Norfolk50£11,755423,27763
North Ayrshire3£9,213629,4215
North Down2£9,495523,6011
North Lanarkshire10£12,462524,23919
North Yorkshire49£11,035524,18796
Northamptonshire18£11,591524,53537
Northumberland11£11,754425,4009
Nottinghamshire41£11,674420,51571
Oxfordshire12£11,882520,95625
Perth and Kinross8£11,458524,96815
Redbridge - Greater London1£11,99548,695-
Renfrewshire32£10,020631,18224
Rhondda Cynon Taf10£8,220748,91915
Richmond upon Thames - Greater London1£3,9851238,5622
Rutland2£12,225410,4341
Scottish Borders1£7,149828,3161
Shropshire23£12,678319,15645
Somerset24£12,036525,99137
South Ayrshire10£12,205521,56720
South Yorkshire60£11,750425,013119
Staffordshire38£11,095524,62551
Stirling9£12,992313,60832
Suffolk32£11,513417,12339
Surrey55£12,359420,11873
Sutton - Greater London2£2,6931579,5004
Tyne and Wear36£8,878738,00954
Warwickshire2£9,673627,65511
West Dunbartonshire3£12,382415,2241
West Lothian11£10,288626,65327
West Midlands95£10,542627,013186
West Sussex34£9,956631,94354
West Yorkshire73£11,192524,354175
Wiltshire28£10,982625,24747
Worcestershire27£11,418526,55342
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