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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
All2,005£10,333631,7244,070
Aberdeen City15£9,817626,71119
Aberdeenshire2£17,00016,85315
Angus4£10,645630,74913
Antrim3£10,831522,08612
Ards6£10,367535,04511
Armagh1£10,495331,228-
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,11829,605-
Bedfordshire30£9,343738,47868
Belfast1£6,999832,00010
Berkshire19£9,379732,46971
Bexley - Greater London1£7,295766,8621
Blaenau Gwent5£12,879323,6871
Brent - Greater London3£5,466990,0003
Bristol15£7,799951,03733
Bromley - Greater London10£13,55549,60312
Buckinghamshire23£9,401630,60342
Cambridgeshire49£11,768521,519102
Cardiff2£11,975320,8014
Carmarthenshire6£8,545738,5251
Cheshire59£11,089522,467110
City of Edinburgh19£9,900634,44531
City of London - Greater London15£11,185629,38710
Clackmannanshire1£8,498447,364-
Coleraine1£11,495411,1993
Conwy3£13,395429,088-
Cornwall9£10,824625,67417
County Durham37£9,898529,45079
Croydon - Greater London10£13,201312,56819
Cumbria11£12,770427,45015
Denbighshire1£4,395973,0002
Derbyshire58£10,269625,728110
Devon40£10,809631,11482
Dorset24£11,434623,64041
Down1£11,99535,358-
Dumfries and Galloway4£10,860422,5988
Dundee City6£9,196633,63127
Ealing - Greater London4£3,9431350,7502
East Ayrshire5£10,713532,3377
East Riding of Yorkshire4£8,678636,7615
East Sussex19£11,121625,78743
Enfield - Greater London6£12,679218,82724
Essex50£11,077526,71586
Falkirk4£10,428637,9226
Fife26£12,148418,59249
Glasgow City34£12,125419,857108
Gloucestershire13£8,879742,30214
Greater Manchester129£9,475730,653316
Gwynedd3£7,662861,333-
Hampshire53£11,486525,210123
Harrow - Greater London4£8,134820,1107
Havering - Greater London24£11,205628,23839
Herefordshire26£13,011318,62823
Hertfordshire56£11,630525,358130
Highland6£12,631426,89614
Hillingdon - Greater London2£4,0951071,98614
Hounslow - Greater London6£7,573934,92517
Inverclyde5£8,798639,5893
Isle of Wight12£9,588735,14212
Kent69£11,036526,332127
Kingston upon Thames - Greater London1£10,000439,138-
Lancashire60£9,646635,051133
Leicestershire57£11,190530,39490
Lincolnshire44£10,706530,81879
Merseyside17£12,420426,85353
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
Newtownabbey3£9,283651,20513
Norfolk46£11,457423,94072
North Ayrshire2£9,072733,4266
North Lanarkshire8£11,453525,52022
North Yorkshire52£11,089525,64699
Northamptonshire19£10,757528,86239
Northumberland11£10,954430,25611
Nottinghamshire33£11,481422,91989
Oxfordshire11£10,919625,73928
Perth and Kinross6£12,298416,09415
Redbridge - Greater London1£11,99549,225-
Renfrewshire24£10,206631,05233
Rhondda Cynon Taf14£8,880745,08118
Rutland1£10,000617,8192
Scottish Borders1£7,149828,3161
Shropshire19£12,563419,99047
Somerset22£11,558524,38440
South Ayrshire10£12,906521,44122
South Yorkshire55£12,110423,869135
Staffordshire36£10,843528,75961
Stirling12£13,009313,88231
Suffolk26£11,916416,47947
Surrey43£12,191420,12384
Sutton - Greater London1£3,4951567,0006
Tyne and Wear35£9,587636,73654
Warwickshire3£9,613749,21611
West Dunbartonshire3£12,382415,2241
West Lothian8£10,540529,95830
West Midlands97£10,534627,914202
West Sussex29£9,800631,11061
West Yorkshire74£10,303627,489183
Wiltshire24£9,990727,67157
Worcestershire29£11,536524,80440
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