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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
All2,025£10,301631,8324,010
Aberdeen City15£10,038625,68019
Aberdeenshire2£17,00016,85316
Angus3£9,095638,45312
Antrim2£14,09729,37914
Ards6£10,367535,04512
Armagh1£10,495331,228-
Ballymena1£3,4001339,3154
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,12029,605-
Bedfordshire31£8,208842,47166
Belfast2£10,149618,4769
Berkshire19£11,052522,58170
Bexley - Greater London2£9,093641,5761
Blaenau Gwent5£12,879323,6871
Brent - Greater London3£5,233990,0004
Bristol12£7,1031056,93332
Bromley - Greater London8£13,32058,92912
Buckinghamshire21£9,814629,75745
Cambridgeshire48£11,706521,904100
Cardiff1£11,799314,0554
Carmarthenshire5£9,155639,6121
Cheshire58£11,765520,699113
City of Edinburgh20£9,300735,15131
City of London - Greater London15£11,647626,10311
Coleraine1£11,495411,1993
Conwy3£13,395429,0881
Cornwall10£10,927529,49315
County Durham39£10,293526,71176
Croydon - Greater London11£13,453312,33218
Cumbria14£11,505535,38913
Denbighshire1£4,395973,0002
Derbyshire53£10,305525,558108
Devon38£10,610632,17380
Dorset24£11,804521,88442
Down1£11,99535,358-
Dumfries and Galloway4£10,860422,5988
Dundee City7£9,753527,08427
Ealing - Greater London3£4,6931257,3333
East Ayrshire4£9,065545,5486
East Riding of Yorkshire4£8,678636,7615
East Sussex22£11,238625,71342
Enfield - Greater London8£13,230320,24322
Essex50£11,367525,46688
Falkirk5£10,199636,0726
Fife24£11,965419,64150
Glasgow City38£11,931421,776110
Gloucestershire13£8,370743,10313
Greater Manchester139£9,353731,657299
Gwynedd3£7,662861,333-
Hampshire50£11,809522,725129
Harrow - Greater London5£7,337833,4025
Havering - Greater London26£11,319524,35336
Herefordshire26£12,939419,17823
Hertfordshire58£11,599526,669126
Highland7£10,569637,49612
Hillingdon - Greater London3£4,8931163,99015
Hounslow - Greater London5£7,488935,71017
Inverclyde6£8,748639,9512
Isle of Wight12£9,629735,14213
Kent68£11,266525,843124
Kingston upon Thames - Greater London1£10,000439,138-
Lancashire51£8,962738,279142
Larne1£10,950429,000-
Leicestershire55£11,280529,18692
Lincolnshire41£10,069532,26375
Merseyside16£11,739427,66651
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray2£11,495320,5506
Neath Port Talbot1£7,990932,153-
Newport1£3,5941481,0003
Newry and Mourne5£14,77829,7233
Newtownabbey2£10,300558,08514
Norfolk49£11,772423,16467
North Ayrshire2£9,072733,4266
North Lanarkshire9£12,091525,05220
North Yorkshire46£11,142524,918103
Northamptonshire18£12,025422,93340
Northumberland10£11,199427,18411
Nottinghamshire40£11,947420,87079
Oxfordshire10£11,382521,69229
Perth and Kinross6£12,480416,09417
Redbridge - Greater London1£11,99549,225-
Renfrewshire27£9,405634,35829
Rhondda Cynon Taf14£8,726745,01917
Rutland2£12,225410,4341
Scottish Borders1£7,149828,3161
Shropshire23£12,333419,18247
Somerset28£11,723526,62838
South Ayrshire10£12,705520,62821
South Yorkshire59£11,839424,641127
Staffordshire33£10,628527,76561
Stirling12£13,334313,20532
Suffolk30£11,350517,10744
Surrey52£12,248420,33278
Sutton - Greater London1£3,4951567,0006
Tyne and Wear33£8,424741,77058
Warwickshire3£9,673749,21611
West Dunbartonshire3£12,382415,2241
West Lothian9£10,402628,51329
West Midlands95£10,724526,411193
West Sussex32£9,891630,78756
West Yorkshire67£10,601527,522186
Wiltshire25£10,372626,33052
Worcestershire28£11,328526,49843
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