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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
All2,005£10,158633,3334,171
Aberdeen City14£9,447628,20220
Aberdeenshire4£16,96314,94113
Angus4£9,645532,98615
Antrim1£11,695318,00014
Ards6£9,505636,52313
Armagh2£7,745971,114-
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£14,84329,605-
Bedfordshire27£9,194740,88167
Belfast2£5,8751040,5009
Berkshire18£9,940727,91371
Bexley - Greater London1£7,295766,8621
Blaenau Gwent3£14,566217,2122
Brent - Greater London4£4,5041286,2503
Bristol20£7,778953,40333
Bromley - Greater London8£13,220510,25414
Buckinghamshire22£9,750627,61344
Cambridgeshire55£11,293525,319100
Cardiff2£11,975320,8014
Carmarthenshire7£8,536738,4882
Cheshire60£10,908523,478113
City of Edinburgh17£10,515632,72133
City of London - Greater London14£10,937631,2539
Conwy3£13,395429,088-
Cornwall9£10,769628,09818
County Durham36£10,207528,17781
Croydon - Greater London6£13,040311,75822
Cumbria9£12,477430,72716
Denbighshire1£4,395973,0002
Derbyshire53£10,521524,389113
Devon45£11,117629,97783
Dorset18£10,900728,71351
Dumfries and Galloway3£11,148523,5378
Dundee City4£8,070941,75331
Ealing - Greater London4£3,4251462,7502
East Ayrshire4£10,641631,5037
East Riding of Yorkshire5£8,442639,4035
East Sussex22£11,325626,72743
Enfield - Greater London8£12,624313,94525
Essex46£10,874627,93685
Falkirk6£8,518744,2716
Fife20£12,297417,98552
Glasgow City41£12,029421,682102
Gloucestershire15£9,001841,76416
Greater Manchester124£9,883728,694322
Gwynedd3£7,662861,333-
Hampshire55£10,384629,041127
Harrow - Greater London5£7,506727,4577
Havering - Greater London24£11,923522,55439
Herefordshire33£13,090316,35827
Hertfordshire62£11,379524,889130
Highland6£11,498532,56815
Hillingdon - Greater London2£3,9951071,98613
Hounslow - Greater London4£7,424933,41318
Inverclyde3£7,999745,2134
Isle of Wight10£8,965838,93415
Kent73£11,069526,400130
Lancashire54£8,960639,073135
Leicestershire59£10,980531,20488
Lincolnshire44£10,631532,03777
Merseyside20£12,315522,09150
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray1£10,495315,3467
Neath Port Talbot1£7,990932,153-
Newry and Mourne3£15,162210,8245
Newtownabbey4£9,410647,87911
Norfolk36£11,083524,66781
North Ayrshire2£9,072733,4265
North Down2£2,8231583,7583
North Lanarkshire8£11,965523,80624
North Yorkshire45£11,312423,709110
Northamptonshire21£10,368628,57440
Northumberland10£10,573530,85312
Nottinghamshire38£11,729421,62588
Oxfordshire12£11,324624,04028
Pembrokeshire1£11,699422,6821
Perth and Kinross5£10,347538,30614
Redbridge - Greater London1£11,99549,225-
Renfrewshire22£9,998632,44536
Rhondda Cynon Taf15£8,901643,07217
Rutland1£10,000617,8192
Scottish Borders1£7,149828,3161
Shropshire20£13,038314,73547
Somerset19£11,441525,81040
South Ayrshire21£14,572313,81224
South Yorkshire56£12,165423,423135
Staffordshire29£10,695531,66665
Stirling14£13,036313,93429
Suffolk28£11,118524,55249
Surrey39£11,561423,19789
Tyne and Wear38£9,578636,25853
Warwickshire2£7,995970,03611
West Dunbartonshire4£10,411524,5782
West Lothian10£11,111624,65931
West Midlands101£10,217629,666206
West Sussex27£10,301530,36463
West Yorkshire76£10,250627,983193
Wiltshire25£10,549627,81260
Worcestershire31£10,860528,11839
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