Get a Carsnitch Report for Free Owner, price, MOT & dealer.

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
All2,420£10,857527,9764,972
Aberdeenshire25£12,002421,99240
Angus20£13,176320,08849
Ayrshire30£13,476318,57536
Bedfordshire29£9,072735,98564
Berkshire23£8,134836,76868
Blaenau Gwent7£11,191530,59510
Bridgend29£12,031421,56349
Bristol15£8,834740,37444
Buckinghamshire21£8,667840,03047
Caerphilly4£9,298738,1683
Cambridgeshire65£10,242537,881116
Cardiff16£10,697626,60137
Carmarthenshire33£11,415424,24941
Cheshire56£11,994419,074123
Conwy3£13,395429,0881
Cornwall45£14,505313,19455
County Antrim15£9,100634,67233
County Armagh7£9,560539,47615
County Down8£10,267531,63726
County Durham34£9,790633,73179
County Fermanagh1£13,450317,3001
County Londonderry4£8,496828,9306
Cumbria10£14,061320,81814
Denbighshire2£8,695643,600-
Derbyshire65£10,742522,683119
Devon55£12,027524,87081
Dorset19£10,965630,31752
Dumfries & Galloway2£12,245310,0598
Dunbartonshire2£9,574522,4785
East Riding of Yorkshire19£10,971426,53930
East Sussex40£11,134623,62164
Essex53£12,354422,438100
Falkirk6£9,025737,1845
Fife27£12,665416,91564
Flintshire3£6,395859,2113
Gloucestershire10£8,496746,89626
Greater London90£11,101622,776225
Greater Manchester121£9,310730,121281
Gwynedd3£7,328861,333-
Hampshire57£8,880738,332132
Herefordshire21£13,170317,58632
Hertfordshire62£10,178630,707156
Highland5£13,657318,55415
Inverclyde2£7,247746,7036
Isle of Wight10£9,937836,26914
Kent79£11,615422,868183
Lanarkshire76£11,966423,211111
Lancashire67£9,252635,578125
Leicestershire52£11,350528,971102
Lincolnshire42£11,091428,37984
Merseyside38£12,465418,97963
Merthyr Tydfil1£10,999645,6532
Midlothian23£12,123523,71955
Monmouthshire21£12,647316,61020
Moray2£12,647310,0896
Neath Port Talbot2£7,973936,4521
Newport7£10,790433,30922
Norfolk39£11,342524,99389
North Yorkshire43£11,063520,840109
Northamptonshire24£10,517532,73745
Northumberland16£10,528528,59020
Nottinghamshire45£11,962419,647107
Oxfordshire15£12,675417,26830
Pembrokeshire22£12,764313,35632
Perth & Kinross10£11,388520,63313
Powys3£13,16237,7974
Renfrewshire24£10,627527,88543
Rhondda Cynon Taf12£8,842741,50224
Shropshire24£13,255316,65640
Somerset17£9,595726,61348
South Yorkshire57£11,984422,257113
Staffordshire55£11,774423,409150
Stirling10£13,496316,23125
Suffolk31£12,579313,72448
Surrey51£9,894631,529110
Swansea21£11,850422,33246
Torfaen2£11,045411,4113
Tyne and Wear39£9,444638,35469
Vale of Glamorgan2£10,097522,0672
Warwickshire6£8,013756,90029
West Lothian7£11,968522,58232
West Midlands83£11,344526,039202
West Sussex30£11,488424,92783
West Yorkshire79£9,473735,796189
Wiltshire35£10,916530,04866
Worcestershire32£11,394524,26550
Wrexham2£6,2481039,7242
Add postcode for better results.