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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
All2,263£10,283629,6124,445
Aberdeen City18£11,023519,80221
Aberdeenshire3£12,440314,23717
Angus9£14,05138,1386
Antrim1£11,895318,00015
Ards3£12,657223,66613
Ballymena3£6,863847,0981
Banbridge1£10,995419,542-
Barking & Dagenham - Greater London1£3,1441280,0001
Barnet - Greater London1£15,69019,0002
Bedfordshire37£8,752836,86965
Belfast4£6,7111068,56513
Berkshire32£8,673936,47073
Bexley - Greater London7£9,097828,5253
Blaenau Gwent4£9,148635,01211
Brent - Greater London2£4,5451374,5004
Bristol14£8,310838,34432
Bromley - Greater London13£13,194513,0108
Buckinghamshire18£8,564834,30438
Caerphilly3£8,831834,4883
Cambridgeshire64£11,630520,71595
Cardiff5£8,765626,04413
Carmarthenshire4£8,120835,1115
Ceredigion6£8,662937,7075
Cheshire62£12,000418,880119
City of Edinburgh18£7,902844,81341
City of London - Greater London51£12,344522,12179
Coleraine1£11,795411,1997
Conwy2£13,745529,0454
Cornwall16£12,098521,31935
County Durham48£10,282629,13976
Croydon - Greater London4£14,584214,40123
Cumbria14£11,459628,84920
Denbighshire2£7,847652,8501
Derbyshire60£10,024624,111104
Derry1£12,99525,7002
Devon40£11,226525,89896
Dorset24£11,208623,23240
Dumfries and Galloway8£10,054626,5719
Dundee City5£9,194738,12612
Ealing - Greater London3£3,4251460,3336
East Ayrshire5£8,258640,4589
East Dunbartonshire3£11,998413,0022
East Lothian2£11,499327,8842
East Riding of Yorkshire6£8,154736,35825
East Sussex34£9,887727,04445
Enfield - Greater London12£14,037315,75922
Essex46£11,834425,430105
Falkirk4£9,553642,08111
Fife26£11,903417,84681
Glasgow City28£11,559518,93653
Gloucestershire13£9,487639,51023
Greater Manchester129£9,538731,506298
Gwynedd3£7,662861,3332
Hampshire60£10,677624,907134
Harrow - Greater London4£7,0481333,2135
Havering - Greater London22£13,297414,09334
Herefordshire28£13,410419,58924
Hertfordshire53£11,299525,912130
Highland12£12,805423,78316
Hillingdon - Greater London6£6,4541041,47814
Hounslow - Greater London10£10,394724,92622
Inverclyde3£11,265526,1674
Isle of Wight11£8,814937,71714
Kent72£11,171523,331137
Kingston upon Thames - Greater London2£6,248952,0692
Lancashire65£9,503731,920124
Larne1£10,950429,000-
Leicestershire52£10,453528,38683
Lincolnshire49£11,148428,07884
Lisburn1£7,440830,0001
Merseyside25£11,060524,89073
Merthyr Tydfil2£11,596521,3083
Merton - Greater London1£1,99019131,0002
Moray2£11,495320,5502
Neath Port Talbot1£8,4909-3
Newport4£9,272639,8488
Newry and Mourne3£13,462310,5696
Newtownabbey4£12,596313,55115
Norfolk42£11,785422,61680
North Ayrshire3£8,863540,2709
North Down2£8,345660,576-
North Lanarkshire14£13,357419,31141
North Yorkshire39£11,321421,752115
Northamptonshire18£9,591728,46134
Northumberland8£11,929421,70213
Nottinghamshire49£10,944522,84299
Oxfordshire10£13,102310,90630
Pembrokeshire5£11,717535,5404
Perth and Kinross6£12,512417,65618
Powys5£16,59524,8133
Redbridge - Greater London1£12,49548,6951
Renfrewshire17£11,821420,48027
Rhondda Cynon Taf13£7,203953,96517
Richmond upon Thames - Greater London1£4,4851238,5624
Rutland1£14,45023,0492
Scottish Borders2£5,8221124,6582
Shropshire20£13,73938,85351
Somerset23£12,374417,67144
South Ayrshire15£12,498418,13715
South Lanarkshire13£13,657315,05334
South Yorkshire56£10,032629,442133
Staffordshire44£11,803524,08479
Stirling15£13,002316,43634
Suffolk28£10,894520,83740
Surrey36£9,902633,08171
Sutton - Greater London1£2,9981749,0003
Swansea9£8,797734,61810
Torfaen1£2,9951281,4461
Tyne and Wear46£9,941633,71898
Warwickshire12£12,680421,39722
West Dunbartonshire4£11,285426,4181
West Lothian13£9,630624,37620
West Midlands105£10,048632,059187
West Sussex28£10,389634,49648
West Yorkshire86£10,774526,561188
Wiltshire24£11,542520,71172
Worcestershire29£11,166524,29957
Wrexham3£5,2471056,4752
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