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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
All2,058£10,272631,7933,938
Aberdeen City15£10,038625,68019
Aberdeenshire2£17,00016,85316
Angus2£5,895855,18313
Antrim2£14,09729,37914
Ards6£10,367535,04512
Armagh1£10,495331,228-
Ballymena1£3,4001339,3154
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,12029,605-
Bedfordshire31£8,409837,10064
Belfast2£10,149618,4769
Berkshire21£10,984523,17768
Bexley - Greater London2£9,093641,5761
Blaenau Gwent4£13,849318,5801
Brent - Greater London3£5,233990,0004
Bristol12£7,2101058,10831
Bromley - Greater London8£13,32058,92912
Buckinghamshire23£9,779629,78043
Cambridgeshire52£11,367524,60995
Cardiff1£11,799314,0554
Carmarthenshire5£9,155639,6121
Cheshire58£11,663520,979112
City of Edinburgh19£9,058736,27532
City of London - Greater London14£11,429627,64212
Coleraine1£11,495411,1993
Conwy3£13,395429,0881
Cornwall9£10,658629,99115
County Durham39£10,311526,82374
Croydon - Greater London10£13,469312,91518
Cumbria14£11,505535,38913
Denbighshire1£4,395973,0002
Derbyshire51£9,976626,503107
Derry1£12,99525,700-
Devon38£10,767632,20279
Dorset23£11,891521,98242
Down1£11,99535,358-
Dumfries and Galloway5£11,828419,3207
Dundee City8£9,403529,80926
Ealing - Greater London3£4,6931257,3333
East Ayrshire4£9,233545,5486
East Riding of Yorkshire4£8,678636,7615
East Sussex22£11,238625,71342
Enfield - Greater London7£12,850322,70623
Essex49£11,437525,63988
Falkirk5£10,199636,0726
Fife26£11,910419,89248
Glasgow City43£11,848422,383105
Gloucestershire14£8,428743,12812
Greater Manchester142£9,303731,697294
Gwynedd3£7,662861,333-
Hampshire50£11,718523,058127
Harrow - Greater London6£6,3971037,6374
Havering - Greater London27£11,084625,46035
Herefordshire27£12,733420,94922
Hertfordshire59£11,631526,454123
Highland7£10,640637,49612
Hillingdon - Greater London3£4,8931163,99015
Hounslow - Greater London5£7,488935,71017
Inverclyde6£8,748639,9512
Isle of Wight12£9,629735,14213
Kent67£11,346525,024122
Kingston upon Thames - Greater London1£10,000439,138-
Lancashire52£9,262636,453139
Larne1£10,950429,000-
Leicestershire56£11,294528,99992
Lincolnshire42£10,088532,08773
Merseyside18£11,799427,20949
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray2£11,495320,5506
Neath Port Talbot1£7,990932,153-
Newport1£3,5941481,0003
Newry and Mourne5£14,77829,7233
Newtownabbey2£10,300558,08514
Norfolk49£11,681524,05767
North Ayrshire3£9,046629,4215
North Down1£7,995716,2202
North Lanarkshire10£12,332524,23919
North Yorkshire50£11,257524,37999
Northamptonshire18£11,616524,65639
Northumberland10£11,229427,18411
Nottinghamshire41£11,997420,17277
Oxfordshire11£11,874520,13728
Perth and Kinross6£12,480416,09417
Redbridge - Greater London1£11,99549,225-
Renfrewshire27£9,405634,35829
Rhondda Cynon Taf13£8,613745,63716
Rutland2£12,225410,4341
Scottish Borders1£7,149828,3161
Shropshire24£11,964421,30546
Somerset27£11,824525,52438
South Ayrshire11£12,777519,90320
South Yorkshire58£11,808424,809127
Staffordshire35£11,123526,34157
Stirling12£13,335313,20532
Suffolk31£11,462416,58043
Surrey54£12,241420,62476
Sutton - Greater London2£2,2451691,0005
Tyne and Wear32£8,625740,13858
Warwickshire3£9,673749,21611
West Dunbartonshire3£12,382415,2241
West Lothian9£10,402628,51329
West Midlands96£10,732526,469190
West Sussex32£9,907630,78756
West Yorkshire64£10,823526,419185
Wiltshire28£10,732625,44748
Worcestershire28£11,328526,49843
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