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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
All2,020£10,248631,8194,150
Aberdeen City13£9,289629,60121
Aberdeenshire4£17,05114,94113
Angus5£10,515527,57014
Antrim1£11,695318,00014
Ards7£9,717536,06212
Armagh1£10,495331,228-
Barking & Dagenham - Greater London1£2,49014100,0001
Barnet - Greater London2£15,11829,605-
Bedfordshire22£8,597844,60771
Belfast1£6,999832,00010
Berkshire19£10,250626,98172
Bexley - Greater London1£7,295766,8621
Blaenau Gwent4£13,174323,9381
Brent - Greater London4£4,6541286,2503
Bristol19£7,2491055,53933
Bromley - Greater London9£13,28459,67013
Buckinghamshire20£9,737627,17445
Cambridgeshire50£11,337523,522101
Cardiff2£11,975320,8014
Carmarthenshire8£9,006638,0521
Cheshire58£10,879523,714111
City of Edinburgh20£9,842635,61531
City of London - Greater London14£10,975631,25311
Coleraine2£10,645611,4253
Conwy3£13,395429,088-
Cornwall8£10,677627,73518
County Durham35£10,104529,57684
Croydon - Greater London7£13,080312,07221
Cumbria10£12,639429,25416
Denbighshire1£4,395973,0002
Derbyshire57£10,504526,029110
Devon47£11,025629,49781
Dorset24£10,889627,70145
Down1£11,99535,358-
Dumfries and Galloway3£11,148523,5378
Dundee City6£8,261837,15728
Ealing - Greater London4£3,9431350,7502
East Ayrshire5£10,813532,3377
East Riding of Yorkshire5£7,542842,6354
East Sussex23£11,089627,01143
Enfield - Greater London4£13,05338,86526
Essex49£10,997527,14184
Falkirk7£8,697742,0435
Fife22£12,484417,05754
Glasgow City40£12,152420,773106
Gloucestershire14£9,203740,03914
Greater Manchester129£9,689729,404319
Gwynedd3£7,662861,333-
Hampshire56£10,477629,484126
Harrow - Greater London4£8,134820,1107
Havering - Greater London25£11,434527,15437
Herefordshire28£13,397315,27925
Hertfordshire65£11,637525,072129
Highland7£11,611529,94314
Hillingdon - Greater London2£3,9951071,98614
Hounslow - Greater London5£7,409935,71017
Inverclyde3£7,999745,2134
Isle of Wight9£8,584842,07615
Kent72£11,179525,674131
Lancashire60£9,800635,089133
Leicestershire58£11,146530,99788
Lincolnshire44£10,733531,85478
Merseyside17£12,835426,03053
Merthyr Tydfil2£11,986534,4293
Merton - Greater London1£1,99019131,0001
Moray1£10,495315,3467
Neath Port Talbot1£7,990932,153-
Newry and Mourne4£15,57029,4924
Newtownabbey4£9,410647,87913
Norfolk42£10,963525,53777
North Ayrshire2£9,072733,4266
North Down1£1,9501775,0003
North Lanarkshire8£11,603524,25325
North Yorkshire50£11,679422,597101
Northamptonshire21£10,624530,37538
Northumberland13£10,864429,26111
Nottinghamshire33£11,781421,02790
Oxfordshire11£11,536523,31729
Pembrokeshire1£11,699422,6821
Perth and Kinross3£10,530528,72517
Redbridge - Greater London1£11,99549,225-
Renfrewshire23£10,455530,43734
Rhondda Cynon Taf14£8,663745,08117
Rutland1£10,000617,8192
Scottish Borders1£7,149828,3161
Shropshire19£13,457312,52248
Somerset23£11,618523,93441
South Ayrshire13£12,849422,30324
South Yorkshire57£12,043423,188134
Staffordshire32£10,581532,25564
Stirling12£12,950313,88230
Suffolk29£11,055524,60949
Surrey45£11,706422,46186
Tyne and Wear35£9,372637,66754
Warwickshire3£9,613749,21611
West Dunbartonshire4£11,036520,7941
West Lothian8£11,453524,86330
West Midlands99£10,000630,679213
West Sussex27£10,330530,36463
West Yorkshire76£10,007628,972189
Wiltshire21£9,552730,52660
Worcestershire30£11,574524,46139
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