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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
All2,117£10,360629,7193,759
Aberdeen City16£10,716419,99613
Aberdeenshire5£13,558312,10817
Angus4£12,870310,05910
Antrim2£10,447619,38412
Ards6£10,283535,17815
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Ballymoney1£5,4951030,0001
Barnet - Greater London1£15,69019,000-
Bedfordshire40£9,363733,14656
Belfast2£8,325834,97613
Berkshire30£9,918630,61668
Bexley - Greater London2£9,345641,5761
Brent - Greater London3£5,333990,0004
Bristol11£6,8871056,82229
Bromley - Greater London10£13,395511,0239
Buckinghamshire17£9,377731,61444
Cambridgeshire62£11,441522,21583
Cardiff1£7,899827,7072
Carmarthenshire5£8,035744,5521
Cheshire56£11,958416,966102
City of Edinburgh22£10,130632,41929
City of London - Greater London16£12,231524,63610
Coleraine1£11,795411,1995
Conwy3£13,728429,0882
Cornwall8£10,928626,57215
County Durham39£10,577525,61071
Croydon - Greater London9£13,173416,12819
Cumbria12£9,953643,96917
Denbighshire1£4,395973,0002
Derbyshire53£10,171523,63794
Derry1£12,99525,7001
Devon44£11,604523,97774
Dorset20£11,826521,82037
Dumfries and Galloway8£9,860625,6084
Dundee City8£9,945532,85926
Ealing - Greater London3£3,4251460,3333
East Ayrshire3£9,499640,9318
East Lothian2£10,899330,0003
East Riding of Yorkshire3£8,262639,8066
East Sussex28£11,324523,42333
Enfield - Greater London14£13,975317,17118
Essex47£11,985422,99385
Falkirk5£10,353636,0727
Fife24£11,591420,73452
Glasgow City44£11,097525,862105
Gloucestershire12£8,519743,45513
Greater Manchester136£9,601729,344286
Gwynedd3£7,662861,333-
Hampshire60£10,197630,314115
Harrow - Greater London5£7,6371027,8514
Havering - Greater London28£12,049518,38538
Herefordshire30£13,020319,26320
Hertfordshire57£11,546527,124122
Highland8£11,234636,04810
Hillingdon - Greater London4£4,5451159,29315
Hounslow - Greater London3£8,750635,96723
Inverclyde6£8,798639,9512
Isle of Wight14£9,153834,17710
Kent63£12,174420,115115
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire54£9,837632,961128
Larne1£10,950429,000-
Leicestershire55£10,854528,98981
Lincolnshire53£11,150528,91262
Merseyside15£11,397426,25748
Merthyr Tydfil2£11,986534,4043
Merton - Greater London1£1,99019131,0001
Midlothian1£9,995337,000-
Moray2£11,495320,5505
Neath Port Talbot1£8,1909-1
Newport1£4,4951060,2872
Newry and Mourne4£14,56139,2614
Newtownabbey6£11,853425,05015
Norfolk41£11,592426,06869
North Ayrshire3£8,863540,2705
North Down1£10,995230,9821
North Lanarkshire12£12,767420,37020
North Yorkshire39£11,418424,76799
Northamptonshire27£10,524527,83929
Northumberland10£11,439528,5659
Nottinghamshire38£11,973419,49077
Oxfordshire18£12,665415,64520
Pembrokeshire1£15,999218,0051
Perth and Kinross7£11,067523,52115
Redbridge - Greater London1£11,99548,695-
Renfrewshire25£10,346630,01027
Rhondda Cynon Taf11£7,108856,54515
Richmond upon Thames - Greater London1£4,4851238,5623
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire23£12,817314,97043
Somerset20£12,549419,90936
South Ayrshire12£11,562520,43317
South Yorkshire53£10,419630,536126
Staffordshire37£11,047525,82159
Stirling11£13,57739,98228
Suffolk36£11,346419,34735
Surrey55£13,200318,77972
Sutton - Greater London2£3,6451550,5003
Tyne and Wear27£9,027739,46666
Warwickshire5£11,062517,7376
West Dunbartonshire3£12,382415,2241
West Lothian14£10,169625,05225
West Midlands93£10,650627,835188
West Sussex30£10,435531,60053
West Yorkshire83£11,648419,069172
Wiltshire24£11,697520,74454
Worcestershire30£12,160422,52248
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