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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
All2,127£10,279630,3204,149
Aberdeen City17£11,039418,31421
Aberdeenshire5£12,448420,30315
Angus8£13,620310,0667
Antrim2£9,443532,50012
Ards4£12,140325,24213
Ballymena2£7,048834,6473
Barking & Dagenham - Greater London1£3,1441280,000-
Barnet - Greater London1£15,69019,0002
Bedfordshire39£8,783837,04261
Belfast2£3,3001479,00011
Berkshire33£9,003835,48072
Bexley - Greater London2£9,545641,5761
Brent - Greater London3£4,6661087,3333
Bristol15£7,923942,91828
Bromley - Greater London12£13,887410,5117
Buckinghamshire19£8,309832,37339
Cambridgeshire68£11,365522,06587
Carmarthenshire3£8,828737,4815
Ceredigion5£9,195830,0395
Cheshire57£11,473519,975120
City of Edinburgh17£9,326634,91338
City of London - Greater London16£10,570732,43814
Coleraine2£13,14525,8505
Conwy2£13,745529,0453
Cornwall7£11,632524,94720
County Durham44£10,874526,14677
Craigavon1£10,995419,542-
Croydon - Greater London7£11,974521,82820
Cumbria15£10,201639,61117
Denbighshire3£6,696759,5661
Derbyshire52£9,762625,759109
Derry1£12,99525,7002
Devon44£11,779524,01787
Dorset21£11,360523,11439
Dumfries and Galloway9£9,975622,9058
Dundee City11£10,132529,91423
Ealing - Greater London3£3,4251460,3334
East Ayrshire4£9,449536,4948
East Dunbartonshire1£11,998320,734-
East Lothian2£11,249327,8843
East Riding of Yorkshire6£8,388743,12210
East Sussex22£10,699625,49137
Enfield - Greater London14£14,069314,82520
Essex45£12,011424,06097
Falkirk7£11,153528,8327
Fermanagh1£8,950821,5301
Fife23£11,789419,02363
Glasgow City31£11,237522,60881
Gloucestershire13£9,021642,25318
Greater Manchester136£9,483730,921295
Gwynedd3£7,662861,3332
Hampshire63£10,745625,284136
Harrow - Greater London5£7,7371027,8515
Havering - Greater London30£12,619416,26547
Herefordshire31£13,319317,99420
Hertfordshire54£11,163528,982129
Highland9£13,096426,32412
Hillingdon - Greater London6£6,4041041,47813
Hounslow - Greater London6£10,940522,51224
Inverclyde2£9,649537,5104
Isle of Wight12£9,104836,08713
Kent68£11,188523,209129
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire65£9,627733,747126
Larne1£10,950429,000-
Leicestershire52£9,919632,86683
Lincolnshire47£10,972528,73681
Merseyside17£11,875420,03668
Merthyr Tydfil2£11,454521,3083
Merton - Greater London1£1,99019131,0002
Midlothian1£9,995337,000-
Moray2£11,495320,5502
Neath Port Talbot1£8,4909-2
Newport1£4,4951060,2874
Newry and Mourne3£13,363310,5706
Newtownabbey6£10,757430,91815
Norfolk44£11,522424,98574
North Ayrshire3£8,863540,2708
North Down2£8,345660,576-
North Lanarkshire9£13,543417,72625
North Yorkshire38£10,980523,286106
Northamptonshire17£10,528625,96933
Northumberland11£10,805527,53313
Nottinghamshire35£11,421420,61778
Oxfordshire14£13,512310,33727
Pembrokeshire2£11,997548,9912
Perth and Kinross6£12,479417,65615
Redbridge - Greater London1£12,49548,6951
Renfrewshire18£11,081525,25629
Rhondda Cynon Taf12£7,367855,06215
Richmond upon Thames - Greater London1£4,4851238,5624
Rutland2£12,225410,4342
Scottish Borders2£5,8221124,6581
Shropshire21£12,727315,29747
Somerset21£12,199418,58645
South Ayrshire15£11,729521,75615
South Lanarkshire9£15,36229,55124
South Yorkshire46£9,795631,010133
Staffordshire41£11,388524,06875
Stirling15£12,790315,57130
Suffolk31£11,684418,99541
Surrey52£12,787421,77381
Sutton - Greater London1£2,9951749,0003
Torfaen1£2,9951281,4461
Tyne and Wear35£9,716633,45466
Warwickshire12£12,642415,07721
West Dunbartonshire4£11,285426,418-
West Lothian16£10,551622,91123
West Midlands89£10,554630,440203
West Sussex27£10,636534,04449
West Yorkshire77£11,275523,438188
Wiltshire23£11,892518,54070
Worcestershire27£11,157524,86654
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