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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
All2,010£10,278631,8034,090
Aberdeen City15£9,550626,63519
Aberdeenshire3£16,66716,47414
Angus6£11,062525,55113
Antrim2£8,097832,75013
Ards6£10,367535,04512
Armagh1£10,495331,228-
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,11829,605-
Bedfordshire26£9,150741,99868
Belfast1£6,999832,00010
Berkshire21£9,133732,08470
Bexley - Greater London1£7,295766,8621
Blaenau Gwent5£12,879323,6871
Brent - Greater London3£5,466990,0003
Bristol18£7,323954,41932
Bromley - Greater London10£13,55549,60312
Buckinghamshire20£9,658629,04844
Cambridgeshire48£11,576522,312101
Cardiff2£11,975320,8014
Carmarthenshire8£9,006638,0521
Cheshire59£10,944522,933108
City of Edinburgh18£9,978634,06431
City of London - Greater London15£11,167629,38710
Clackmannanshire1£8,498447,364-
Coleraine2£10,645611,4253
Conwy3£13,395429,088-
Cornwall8£10,677627,73518
County Durham38£9,974529,73881
Croydon - Greater London9£13,112311,94820
Cumbria10£12,639429,25416
Denbighshire1£4,395973,0002
Derbyshire56£10,368524,918112
Devon43£10,875630,39183
Dorset22£11,383625,14144
Down1£11,99535,358-
Dumfries and Galloway4£10,860422,5988
Dundee City5£8,415739,37927
Ealing - Greater London4£3,9431350,7502
East Ayrshire5£10,813532,3377
East Riding of Yorkshire4£8,678636,7615
East Sussex20£10,915626,33844
Enfield - Greater London5£13,54927,29225
Essex47£10,991527,24786
Falkirk6£9,309740,3125
Fife24£12,281418,05853
Glasgow City37£12,290420,302107
Gloucestershire14£9,203740,03914
Greater Manchester133£9,696729,299312
Gwynedd3£7,662861,333-
Hampshire56£10,790628,273122
Harrow - Greater London4£8,134820,1107
Havering - Greater London25£11,452527,15438
Herefordshire28£13,182317,34624
Hertfordshire61£11,669524,654128
Highland6£12,631426,89614
Hillingdon - Greater London2£3,9951071,98614
Hounslow - Greater London5£7,409935,71018
Inverclyde5£8,798639,5893
Isle of Wight11£9,159836,65013
Kent70£11,156525,433131
Kingston upon Thames - Greater London1£10,000439,138-
Lancashire61£9,848634,496133
Leicestershire60£11,120529,88885
Lincolnshire44£10,722532,00278
Merseyside16£12,553426,98554
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray2£11,245320,5506
Neath Port Talbot1£7,990932,153-
Newry and Mourne5£14,77829,7233
Newtownabbey4£9,411647,87913
Norfolk44£11,165524,82276
North Ayrshire2£9,072733,4266
North Lanarkshire8£11,828522,63723
North Yorkshire49£11,197525,522100
Northamptonshire19£10,608530,56239
Northumberland12£10,731431,39411
Nottinghamshire32£11,646421,47689
Oxfordshire10£11,282624,51329
Perth and Kinross5£11,965418,78915
Redbridge - Greater London1£11,99549,225-
Renfrewshire24£10,415631,21333
Rhondda Cynon Taf14£8,799745,08118
Rutland1£10,000617,8192
Scottish Borders1£7,149828,3161
Shropshire19£13,468312,52248
Somerset21£11,324525,27841
South Ayrshire11£12,959420,85322
South Yorkshire55£12,213422,545133
Staffordshire34£10,697529,84661
Stirling12£12,950313,88230
Suffolk27£11,620418,13948
Surrey46£12,034421,70884
Sutton - Greater London1£3,4951567,0006
Tyne and Wear34£9,596637,34852
Warwickshire3£9,613749,21611
West Dunbartonshire3£12,049415,2241
West Lothian7£10,832527,27331
West Midlands90£9,928631,646208
West Sussex28£9,910631,94862
West Yorkshire79£10,286628,218180
Wiltshire22£9,660729,80360
Worcestershire30£11,574524,45640
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