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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
All2,001£10,267631,8184,093
Aberdeen City15£9,817626,71118
Aberdeenshire3£16,66716,47415
Angus5£10,515527,57013
Antrim2£8,097832,75013
Ards7£9,724535,99311
Armagh1£10,495331,228-
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,11829,605-
Bedfordshire29£9,253739,27668
Belfast1£6,999832,00010
Berkshire21£9,119732,05370
Bexley - Greater London1£7,295766,8621
Blaenau Gwent5£12,879323,6871
Brent - Greater London3£5,466990,0003
Bristol17£7,389954,97332
Bromley - Greater London10£13,55549,60312
Buckinghamshire21£9,473630,59343
Cambridgeshire46£11,504522,170102
Cardiff2£11,975320,8014
Carmarthenshire6£8,545738,5251
Cheshire60£11,033522,610108
City of Edinburgh19£9,900634,44530
City of London - Greater London15£11,170629,38710
Clackmannanshire1£8,498447,364-
Coleraine2£10,645611,4253
Conwy3£13,395429,088-
Cornwall9£10,824625,67417
County Durham38£9,817529,72280
Croydon - Greater London9£13,113311,94820
Cumbria10£12,639429,25416
Denbighshire1£4,395973,0002
Derbyshire57£10,351625,110112
Devon43£10,982629,88482
Dorset22£11,437624,59143
Down1£11,99535,358-
Dumfries and Galloway4£10,860422,5988
Dundee City6£9,179633,63127
Ealing - Greater London4£3,9431350,7502
East Ayrshire5£10,713532,3377
East Riding of Yorkshire4£8,678636,7615
East Sussex19£11,026625,89744
Enfield - Greater London5£13,54927,29225
Essex47£11,008527,24788
Falkirk5£9,317742,6416
Fife23£12,337417,40054
Glasgow City38£12,318419,861108
Gloucestershire14£9,203740,03914
Greater Manchester133£9,580729,984316
Gwynedd3£7,662861,333-
Hampshire55£11,165527,004122
Harrow - Greater London4£8,134820,1107
Havering - Greater London25£11,468527,15439
Herefordshire25£13,233318,54324
Hertfordshire59£11,689525,268129
Highland6£12,631426,89614
Hillingdon - Greater London2£3,9951071,98614
Hounslow - Greater London6£7,573934,92517
Inverclyde5£8,798639,5893
Isle of Wight11£9,159836,65013
Kent68£10,933526,226129
Kingston upon Thames - Greater London1£10,000439,138-
Lancashire59£9,720635,040137
Leicestershire59£11,184530,24387
Lincolnshire43£10,658531,41178
Merseyside16£12,571426,98554
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray2£11,245320,5506
Neath Port Talbot1£7,990932,153-
Newry and Mourne5£14,77829,7233
Newtownabbey3£9,217651,20513
Norfolk44£11,260524,97375
North Ayrshire2£9,072733,4266
North Lanarkshire6£11,605626,16124
North Yorkshire49£11,380523,911101
Northamptonshire19£10,840527,69438
Northumberland12£10,739431,39411
Nottinghamshire33£11,552421,91588
Oxfordshire11£10,919625,73928
Perth and Kinross6£12,298416,09414
Redbridge - Greater London1£11,99549,225-
Renfrewshire23£10,085632,26033
Rhondda Cynon Taf14£8,880745,08118
Rutland1£10,000617,8192
Scottish Borders1£7,149828,3161
Shropshire20£12,694419,26747
Somerset22£11,376524,96241
South Ayrshire11£12,959420,85322
South Yorkshire54£12,065423,914134
Staffordshire34£10,694529,84661
Stirling12£12,950313,88230
Suffolk25£11,738416,93448
Surrey46£12,054420,68982
Sutton - Greater London1£3,4951567,0006
Tyne and Wear36£9,650636,54452
Warwickshire3£9,613749,21611
West Dunbartonshire3£12,049415,2241
West Lothian7£10,904527,27331
West Midlands91£9,968631,332208
West Sussex29£9,800631,11061
West Yorkshire78£10,270627,691182
Wiltshire22£9,819729,01059
Worcestershire29£11,536524,80440
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