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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
All2,170£10,472629,7183,943
Aberdeen City15£10,731520,39614
Aberdeenshire5£13,558312,10817
Angus3£13,828310,54111
Antrim2£10,697513,38813
Ards5£10,242535,39316
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Barnet - Greater London2£15,12029,605-
Bedfordshire38£8,781734,94960
Belfast3£8,049833,98412
Berkshire23£9,765730,02276
Bexley - Greater London2£9,545641,5761
Brent - Greater London3£5,333990,0004
Bristol10£6,3501065,52931
Bromley - Greater London9£12,851512,15910
Buckinghamshire19£10,278627,44945
Cambridgeshire57£11,495522,42491
Cardiff2£11,449423,1773
Carmarthenshire5£8,035744,5521
Cheshire54£11,895417,714109
City of Edinburgh20£9,868634,41431
City of London - Greater London16£12,219524,63910
Coleraine1£11,795411,1995
Conwy3£13,728429,0882
Cornwall11£11,788526,82215
County Durham39£10,730524,84472
Croydon - Greater London11£13,119314,88320
Cumbria12£9,911643,96917
Denbighshire1£4,395973,0002
Derbyshire56£10,367522,39295
Derry1£12,99525,7001
Devon45£11,628523,68976
Dorset24£12,718419,94038
Dumfries and Galloway6£11,015520,1006
Dundee City7£9,152636,55027
Ealing - Greater London4£3,9431350,7503
East Ayrshire4£9,199545,5488
East Lothian1£11,299329,7394
East Riding of Yorkshire4£8,803636,2426
East Sussex24£11,154526,66339
Enfield - Greater London12£14,046317,54821
Essex48£11,850524,76389
Falkirk5£10,343636,0727
Fife28£11,695419,48852
Glasgow City46£11,389524,712107
Gloucestershire12£8,234749,13213
Greater Manchester147£9,757728,854294
Gwynedd3£7,662861,333-
Hampshire62£10,545629,336121
Harrow - Greater London5£7,6371027,8514
Havering - Greater London30£11,303524,43039
Herefordshire31£13,233319,78721
Hertfordshire59£11,494527,366126
Highland8£11,196636,04810
Hillingdon - Greater London3£4,3951160,79016
Hounslow - Greater London5£7,437935,71023
Inverclyde6£8,798639,9512
Isle of Wight13£8,880935,24911
Kent62£11,953419,781121
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire53£9,422634,107135
Larne1£10,950429,000-
Leicestershire55£11,235527,87189
Lincolnshire50£10,667529,91969
Merseyside22£12,337423,63448
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Midlothian1£9,995337,000-
Moray2£11,495320,5505
Neath Port Talbot1£7,9909-1
Newport2£4,0451270,6442
Newry and Mourne4£14,56139,2614
Newtownabbey4£12,133431,59417
Norfolk45£11,553425,01672
North Ayrshire3£9,330629,4215
North Down1£10,995230,9821
North Lanarkshire11£12,909419,45121
North Yorkshire44£11,632421,914102
Northamptonshire24£10,727527,84932
Northumberland11£11,490528,5659
Nottinghamshire38£12,307417,22784
Oxfordshire17£12,429517,83422
Pembrokeshire1£15,999218,0051
Perth and Kinross5£10,996526,91517
Redbridge - Greater London1£11,99548,695-
Renfrewshire30£10,705527,33128
Rhondda Cynon Taf12£8,029752,21916
Richmond upon Thames - Greater London1£4,4851238,5623
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire22£12,904315,16745
Somerset25£12,600420,86237
South Ayrshire11£12,005520,84519
South Yorkshire61£11,830525,107132
Staffordshire41£10,914524,18661
Stirling10£13,78629,18929
Suffolk36£11,104519,17637
Surrey56£13,240318,71874
Sutton - Greater London2£4,4901348,0004
Tyne and Wear31£9,175737,78268
Warwickshire5£9,421627,7288
West Dunbartonshire3£12,382415,2241
West Lothian15£10,577523,91926
West Midlands100£10,828526,129192
West Sussex32£9,929633,66856
West Yorkshire79£11,333520,934185
Wiltshire30£11,578523,39455
Worcestershire30£11,895423,36951
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