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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
All2,134£10,189631,1194,155
Aberdeen City16£11,029418,22220
Aberdeenshire4£15,51126,47917
Angus7£13,85229,4197
Antrim2£10,447619,38413
Ards5£10,302535,39315
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Ballymoney1£2,7501477,000-
Barnet - Greater London1£15,69019,000-
Bedfordshire38£9,129734,86760
Belfast1£3,6501365,00014
Berkshire32£9,411730,12774
Bexley - Greater London2£9,495641,5761
Brent - Greater London3£5,333990,0004
Bristol14£7,863947,03032
Bromley - Greater London10£13,395511,0239
Buckinghamshire13£8,273831,28145
Cambridgeshire70£11,368521,31989
Cardiff2£13,149515,4542
Carmarthenshire4£8,370740,7655
Ceredigion4£9,245832,1616
Cheshire60£11,457519,740123
City of Edinburgh21£10,064632,84236
City of London - Greater London14£11,342629,68011
Coleraine1£11,795411,1996
Conwy3£13,728429,0453
Cornwall8£10,928626,57220
County Durham40£11,213523,52879
Croydon - Greater London7£12,437422,08621
Cumbria13£9,964642,69918
Denbighshire1£4,395973,0003
Derbyshire45£9,752625,102108
Derry1£12,99525,7002
Devon40£11,451525,90184
Dorset16£11,971519,76038
Dumfries and Galloway10£9,857624,8667
Dundee City9£9,607633,10824
Ealing - Greater London3£3,4251460,3333
East Ayrshire3£9,499640,9319
East Lothian2£10,949322,4643
East Riding of Yorkshire5£8,866735,4268
East Sussex30£11,103523,77336
Enfield - Greater London12£14,701215,13721
Essex44£12,100421,72999
Falkirk6£10,312633,1718
Fife28£11,803417,55255
Glasgow City51£11,572523,834106
Gloucestershire13£8,963642,25317
Greater Manchester133£9,238730,443297
Gwynedd3£7,662861,3331
Hampshire60£10,475627,489139
Harrow - Greater London5£7,7371027,8515
Havering - Greater London31£12,408417,26846
Herefordshire29£13,420316,49422
Hertfordshire60£11,731524,741131
Highland8£11,234636,04813
Hillingdon - Greater London3£4,3951160,79015
Hounslow - Greater London6£10,867522,51223
Inverclyde5£8,858639,4943
Isle of Anglesey1£10,499547,000-
Isle of Wight12£9,171835,10312
Kent61£11,181522,993122
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire60£10,268630,741134
Larne1£10,950429,000-
Leicestershire54£10,657530,03488
Lincolnshire49£10,895429,76678
Merseyside15£11,241524,33652
Merthyr Tydfil3£11,256529,4062
Merton - Greater London1£1,99019131,0002
Midlothian1£9,995337,000-
Moray3£10,163425,0303
Neath Port Talbot1£8,1909-2
Newham - Greater London1£3,7951481,500-
Newport1£4,4951060,2874
Newry and Mourne3£13,463310,5706
Newtownabbey8£11,740424,17313
Norfolk44£11,961424,52976
North Ayrshire3£8,863540,2707
North Down1£10,995230,9821
North Lanarkshire12£12,767420,37025
North Yorkshire45£11,351523,031103
Northamptonshire22£10,783625,12532
Northumberland11£11,498526,79312
Nottinghamshire33£11,444421,03284
Oxfordshire13£13,350311,01424
Pembrokeshire2£11,997548,9912
Perth and Kinross6£11,229524,52515
Redbridge - Greater London1£11,99548,695-
Renfrewshire27£10,665527,11126
Rhondda Cynon Taf11£7,280855,79317
Richmond upon Thames - Greater London1£4,4851238,5623
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire21£12,891315,52547
Somerset16£12,613419,42946
South Ayrshire15£11,363521,63315
South Yorkshire45£9,523635,465137
Staffordshire41£11,101625,53369
Stirling15£13,177315,75829
Suffolk32£11,736417,69742
Surrey55£12,880420,22485
Sutton - Greater London2£3,7931550,5003
Torfaen1£2,9951281,4461
Tyne and Wear35£9,708633,69363
Warwickshire5£11,097517,73710
West Dunbartonshire3£12,282415,2241
West Lothian16£10,100621,97125
West Midlands93£10,868528,409216
West Sussex32£10,521531,91051
West Yorkshire84£11,611420,080187
Wiltshire23£11,271521,98965
Worcestershire28£11,809522,27854
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