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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
All2,000£10,163633,7834,207
Aberdeen City12£9,397628,53822
Aberdeenshire3£17,15015,03712
Angus2£12,295324,99217
Antrim2£11,047419,89413
Ards7£10,041539,72015
Armagh2£7,745971,114-
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London1£13,995310,210-
Bedfordshire29£9,508737,99768
Belfast2£5,6251040,5009
Berkshire19£9,877724,77269
Bexley - Greater London1£7,295766,8621
Blaenau Gwent3£14,566217,2122
Brent - Greater London4£4,4791286,2502
Bristol21£7,312954,83231
Bromley - Greater London8£13,220510,25414
Buckinghamshire21£9,793628,36745
Cambridgeshire44£10,874527,780103
Cardiff2£11,775320,8014
Carmarthenshire7£8,536738,4882
Cheshire61£10,762525,314112
City of Edinburgh14£10,726634,66536
City of London - Greater London13£10,525733,49410
Coleraine1£10,495539,9315
Conwy3£13,395429,088-
Cornwall10£10,641627,20617
County Durham32£10,166529,06186
Croydon - Greater London6£12,702311,75821
Cumbria9£12,477430,72716
Denbighshire1£4,395973,0002
Derbyshire56£10,752524,080114
Derry1£12,49538,8521
Devon47£11,450528,09881
Dorset16£10,916730,45348
Dumfries and Galloway2£10,347528,2339
Dundee City6£9,212737,10033
Ealing - Greater London6£3,5921357,6672
East Ayrshire5£10,793532,3376
East Riding of Yorkshire6£8,817537,9035
East Sussex19£11,048528,47249
Enfield - Greater London6£10,327523,72328
Essex56£11,057527,69786
Falkirk6£8,498744,2716
Fife19£12,916415,47451
Glasgow City38£12,000421,910103
Gloucestershire15£9,091742,25118
Greater Manchester132£10,069727,725313
Gwynedd3£7,662861,333-
Hampshire54£10,521627,398129
Harrow - Greater London8£6,816834,1237
Havering - Greater London23£12,296523,50841
Herefordshire33£12,864317,76726
Hertfordshire61£11,434524,758128
Highland8£10,497633,67815
Hillingdon - Greater London3£5,580972,69012
Hounslow - Greater London2£9,325631,50020
Inverclyde3£7,999745,2134
Isle of Wight10£8,945838,93414
Kent69£11,161526,837135
Lancashire56£8,777740,052133
Leicestershire57£10,425533,07689
Lincolnshire43£10,663531,08879
Merseyside24£11,634522,79049
Merthyr Tydfil1£10,999645,6534
Merton - Greater London1£1,99019131,0001
Moray1£10,495315,3467
Newry and Mourne3£14,062314,1266
Newtownabbey3£6,832763,78210
Norfolk35£10,689624,38982
North Ayrshire2£9,072733,4264
North Down2£2,8231583,7583
North Lanarkshire7£11,624426,04927
North Yorkshire45£10,674528,176116
Northamptonshire23£10,327630,00939
Northumberland11£10,430430,03211
Nottinghamshire38£11,947420,21688
Oxfordshire12£12,066522,23729
Pembrokeshire1£11,699422,6821
Perth and Kinross6£10,677533,44013
Redbridge - Greater London1£11,99549,225-
Renfrewshire19£9,393635,82939
Rhondda Cynon Taf14£8,523745,07619
Scottish Borders1£7,149828,3161
Shropshire18£12,691315,67149
Somerset22£10,916525,19040
South Ayrshire19£14,890212,65825
South Yorkshire54£12,269422,807132
Staffordshire33£10,338632,09463
Stirling11£12,960314,49232
Suffolk24£11,291421,73551
Surrey46£11,606422,69284
Tyne and Wear41£9,714635,84953
Warwickshire2£7,995970,03610
West Dunbartonshire4£10,411524,5782
West Lothian8£11,577524,75629
West Midlands97£10,307630,079210
West Sussex23£10,720530,34866
West Yorkshire76£10,064629,818194
Wiltshire29£10,868625,78058
Worcestershire33£10,898528,08740
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