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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
All2,282£10,277629,9474,532
Aberdeen City16£10,964419,75821
Aberdeenshire2£13,163215,48118
Angus9£14,05138,1387
Antrim1£11,895318,00015
Ards3£12,657223,66614
Ballymena3£6,863847,0981
Banbridge1£10,995419,542-
Barking & Dagenham - Greater London2£6,5701057,825-
Barnet - Greater London5£12,028416,5005
Bedfordshire36£8,304839,64167
Belfast5£8,119855,84212
Berkshire33£8,703835,28979
Bexley - Greater London6£8,872833,0304
Blaenau Gwent4£8,071746,91710
Brent - Greater London1£2,5991498,0004
Bristol14£8,352838,34433
Bromley - Greater London12£13,887410,5117
Buckinghamshire16£8,344835,56940
Caerphilly3£8,896642,5073
Cambridgeshire68£11,519520,72194
Cardiff7£7,067837,74612
Carmarthenshire4£8,120835,1115
Ceredigion8£9,758731,0665
Cheshire64£11,986418,817124
City of Edinburgh19£8,112744,64845
City of London - Greater London54£12,164523,06392
Coleraine1£11,795411,1997
Conwy2£13,745529,0454
Cornwall17£11,787424,02639
County Durham47£10,089630,03075
Croydon - Greater London5£13,075324,73525
Cumbria13£11,888528,06020
Denbighshire3£9,563539,9661
Derbyshire59£9,936624,870103
Derry1£12,99525,7002
Devon38£11,343526,97897
Dorset24£11,051623,94340
Dumfries and Galloway7£9,676628,3469
Dundee City6£8,444847,68911
Ealing - Greater London4£3,0661668,0005
East Ayrshire5£8,258640,4589
East Dunbartonshire3£11,998413,0022
East Lothian2£11,499327,8842
East Riding of Yorkshire6£8,161736,35827
East Sussex34£9,735728,86052
Enfield - Greater London14£13,352320,97322
Essex45£11,692526,501105
Falkirk5£9,522539,70811
Fife24£12,143416,99082
Glasgow City28£11,978417,59249
Gloucestershire14£10,015636,73924
Greater Manchester128£9,516731,733309
Gwynedd3£7,662861,3332
Hampshire60£10,836623,308135
Harrow - Greater London4£7,0481333,2134
Havering - Greater London23£13,274413,76533
Herefordshire29£13,271419,89824
Hertfordshire52£10,534628,684133
Highland11£12,605524,62317
Hillingdon - Greater London7£6,5311046,65014
Hounslow - Greater London10£11,377525,24120
Inverclyde3£11,265526,1674
Isle of Wight13£9,150838,10312
Kent70£11,178523,039146
Kingston upon Thames - Greater London1£10,000439,1383
Lancashire72£9,210733,088124
Larne1£10,950429,000-
Leicestershire54£10,258529,31785
Lincolnshire49£11,074527,90883
Lisburn2£6,545932,500-
Merseyside26£11,334523,11774
Merthyr Tydfil4£9,547640,4072
Merton - Greater London2£2,39317111,0461
Moray2£11,495320,5502
Neath Port Talbot1£8,4909-3
Newport4£10,864639,7898
Newry and Mourne2£12,545412,3426
Newtownabbey4£12,197315,22014
Norfolk43£12,182420,38882
North Ayrshire4£9,272535,0958
North Down2£8,345660,576-
North Lanarkshire15£13,533418,02442
North Yorkshire43£11,581420,540115
Northamptonshire21£9,814727,87936
Northumberland7£12,069422,62914
Nottinghamshire48£11,049522,882102
Oxfordshire12£12,887313,71030
Pembrokeshire5£11,717535,5405
Perth and Kinross5£11,815420,76417
Powys4£15,74525,9033
Redbridge - Greater London1£12,49548,6951
Renfrewshire19£11,693421,12129
Rhondda Cynon Taf12£6,935956,94019
Richmond upon Thames - Greater London1£4,4851238,5624
Rutland1£14,45023,0492
Scottish Borders2£5,8221124,6582
Shropshire20£13,64428,68851
Somerset19£12,759417,24748
South Ayrshire14£12,783416,67015
South Lanarkshire13£13,657315,05336
South Yorkshire57£10,163629,721131
Staffordshire47£11,741523,55489
Stirling13£13,251313,44332
Suffolk27£10,517622,16738
Surrey36£9,616632,46474
Sutton - Greater London1£2,9981749,0003
Swansea10£9,077735,2579
Torfaen1£2,9951281,4461
Tyne and Wear45£10,107633,563103
Warwickshire10£12,402523,65922
West Dunbartonshire4£11,285426,4181
West Lothian10£9,631721,37521
West Midlands97£10,151630,806184
West Sussex28£10,814630,54949
West Yorkshire87£10,920526,077185
Wiltshire22£11,622520,51472
Worcestershire33£11,425523,03057
Wrexham3£5,2471056,4752
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