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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
All2,050£10,352632,0354,091
Aberdeen City14£9,826626,89520
Aberdeenshire2£17,00016,85316
Angus4£11,020530,51112
Antrim2£13,99729,37914
Ards6£10,367535,04512
Armagh1£10,495331,228-
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,11829,605-
Bedfordshire30£8,413841,60467
Belfast2£10,149618,4769
Berkshire21£11,293521,33269
Bexley - Greater London1£7,295766,8622
Blaenau Gwent5£12,879323,6871
Brent - Greater London3£5,466990,0004
Bristol12£7,907952,44233
Bromley - Greater London8£13,32058,92912
Buckinghamshire24£9,769629,43045
Cambridgeshire50£11,931420,214102
Cardiff2£12,025320,8014
Carmarthenshire5£9,155639,6121
Cheshire59£11,270521,772114
City of Edinburgh20£9,785634,12132
City of London - Greater London14£11,484627,49712
Coleraine1£11,495411,1993
Conwy3£13,395429,0881
Cornwall11£11,070527,40815
County Durham37£10,139528,68379
Croydon - Greater London11£13,457312,38118
Cumbria14£11,461535,38913
Denbighshire1£4,395973,0002
Derbyshire59£10,214525,191110
Devon38£10,754631,24483
Dorset21£11,490623,65745
Down1£11,99535,358-
Dumfries and Galloway4£10,860422,5988
Dundee City7£9,753527,08427
Ealing - Greater London3£4,6931257,3333
East Ayrshire6£10,343536,8476
East Riding of Yorkshire4£8,678636,7615
East Sussex21£11,237626,11743
Enfield - Greater London7£14,003215,80723
Essex50£11,351525,46688
Falkirk5£10,197636,0726
Fife24£11,917419,17351
Glasgow City36£11,989420,644113
Gloucestershire14£8,767842,00214
Greater Manchester134£9,377731,663306
Gwynedd3£7,662861,333-
Hampshire53£11,623524,029130
Harrow - Greater London4£6,784935,0886
Havering - Greater London26£10,399631,08438
Herefordshire27£12,822418,66023
Hertfordshire62£11,516527,907126
Highland5£11,357526,89614
Hillingdon - Greater London2£4,0951071,98616
Hounslow - Greater London5£7,438935,71017
Inverclyde6£8,748639,9512
Isle of Wight12£9,588735,14213
Kent71£11,037526,517127
Kingston upon Thames - Greater London1£10,000439,138-
Lancashire55£9,176637,162143
Leicestershire55£11,176530,02093
Lincolnshire41£10,399530,71078
Merseyside16£11,742427,66651
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£11,510524,17468
North Ayrshire2£9,072733,4266
North Lanarkshire9£12,091525,05220
North Yorkshire50£10,951525,471103
Northamptonshire21£11,725424,70740
Northumberland10£11,249427,18411
Nottinghamshire40£11,744421,79784
Oxfordshire11£10,665625,68229
Perth and Kinross6£12,381416,09417
Redbridge - Greater London1£11,99549,225-
Renfrewshire27£9,868632,06831
Rhondda Cynon Taf14£8,726745,01917
Rutland1£10,000617,8192
Scottish Borders1£7,149828,3161
Shropshire21£12,255420,03349
Somerset25£11,451527,04641
South Ayrshire9£12,728521,44722
South Yorkshire59£12,010424,575129
Staffordshire37£11,288526,16762
Stirling12£13,334313,17732
Suffolk28£11,583416,56346
Surrey50£11,983421,16483
Sutton - Greater London1£3,4951567,0006
Tyne and Wear36£9,191738,36759
Warwickshire3£9,623749,21611
West Dunbartonshire3£12,382415,2241
West Lothian9£10,402628,51329
West Midlands99£10,679526,911197
West Sussex30£9,935630,66959
West Yorkshire69£10,314629,246189
Wiltshire28£10,274628,06853
Worcestershire31£11,021527,82343
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