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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
All2,147£10,165630,9864,218
Aberdeen City19£11,011418,91819
Aberdeenshire5£12,308420,47815
Angus8£13,620310,0666
Antrim3£9,295628,58912
Ards6£10,800532,75514
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Barnet - Greater London1£15,69019,0001
Bedfordshire40£8,980736,35059
Belfast1£3,6501365,00014
Berkshire32£9,002732,64375
Bexley - Greater London2£9,495641,5761
Brent - Greater London2£3,75410105,5004
Bristol15£8,708842,05030
Bromley - Greater London12£13,887410,5117
Buckinghamshire17£8,179832,92142
Cambridgeshire64£11,523421,39195
Carmarthenshire4£8,370740,7655
Ceredigion4£9,245832,1616
Cheshire56£11,333521,327122
City of Edinburgh19£9,806636,10839
City of London - Greater London17£10,917630,70215
Coleraine2£13,14525,8505
Conwy2£13,745529,0453
Cornwall6£12,156525,08120
County Durham40£11,122524,52382
Craigavon1£6,975825,4321
Croydon - Greater London8£11,333625,84219
Cumbria14£10,502639,66218
Denbighshire1£4,395973,0003
Derbyshire49£9,739625,412112
Derry1£12,99525,7002
Devon42£11,446525,31391
Dorset21£11,494522,91638
Dumfries and Galloway10£9,857624,8667
Dundee City10£10,196530,50024
Ealing - Greater London3£3,4251460,3334
East Ayrshire4£9,449536,4948
East Lothian2£11,249322,4643
East Riding of Yorkshire5£8,895735,42611
East Sussex26£10,706525,35237
Enfield - Greater London13£14,649214,68821
Essex44£11,641525,81498
Falkirk6£10,345633,1718
Fife26£11,945417,29462
Glasgow City44£11,665521,115107
Gloucestershire13£8,983642,25318
Greater Manchester137£9,418731,486299
Gwynedd3£7,662861,3331
Hampshire59£10,544626,722143
Harrow - Greater London5£7,7371027,8515
Havering - Greater London30£12,635416,26544
Herefordshire29£13,565317,25223
Hertfordshire60£11,590525,787133
Highland9£13,096426,32412
Hillingdon - Greater London4£4,7341153,09316
Hounslow - Greater London7£10,427627,29623
Inverclyde5£8,858639,4944
Isle of Wight12£8,979835,60612
Kent65£11,163523,663121
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire64£9,855633,355133
Larne1£10,950429,000-
Leicestershire56£10,309631,50384
Lincolnshire48£11,034429,19880
Merseyside16£11,683420,64667
Merthyr Tydfil2£11,454521,3082
Merton - Greater London1£1,99019131,0002
Midlothian1£9,995337,000-
Moray2£11,495320,5503
Neath Port Talbot1£8,4909-2
Newham - Greater London1£3,7951481,500-
Newport1£4,4951060,2874
Newry and Mourne3£13,463310,5706
Newtownabbey6£10,664430,91815
Norfolk45£11,617425,63574
North Ayrshire3£8,863540,2707
North Down2£8,345660,576-
North Lanarkshire11£12,869520,29225
North Yorkshire42£11,288522,105106
Northamptonshire20£10,788623,72834
Northumberland10£10,912527,28614
Nottinghamshire35£11,639421,14881
Oxfordshire14£13,512310,33727
Pembrokeshire2£11,997548,9912
Perth and Kinross6£12,382417,65615
Redbridge - Greater London1£12,49548,6951
Renfrewshire21£10,974525,17229
Rhondda Cynon Taf12£7,864751,90116
Richmond upon Thames - Greater London1£4,4851238,5624
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3162
Shropshire23£12,779314,94447
Somerset18£12,301518,26547
South Ayrshire16£11,590521,38014
South Yorkshire48£9,749631,812134
Staffordshire40£12,026522,42874
Stirling15£12,497418,80630
Suffolk31£11,392419,36743
Surrey50£12,877420,10288
Sutton - Greater London1£2,9951749,0003
Torfaen1£2,9951281,4461
Tyne and Wear35£9,703633,47664
Warwickshire6£11,361516,85011
West Dunbartonshire3£12,382415,2241
West Lothian14£10,194624,33125
West Midlands94£10,580630,166208
West Sussex32£10,428532,01350
West Yorkshire90£11,202523,064190
Wiltshire23£11,414521,26272
Worcestershire27£11,160524,07655
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