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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
All2,165£10,245630,5324,089
Aberdeen City16£10,716419,99616
Aberdeenshire5£13,808312,10817
Angus6£13,495310,5708
Antrim3£8,964724,08913
Ards6£10,283535,17816
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Barnet - Greater London1£15,69019,000-
Bedfordshire38£9,377734,05160
Belfast1£3,6501365,00014
Berkshire36£9,709630,03271
Bexley - Greater London2£9,345641,5761
Brent - Greater London3£5,333990,0004
Bristol17£7,607949,08229
Bromley - Greater London11£13,247512,0098
Buckinghamshire15£8,926830,09045
Cambridgeshire66£11,253522,61790
Cardiff1£7,999827,7072
Carmarthenshire5£8,035744,5523
Cheshire62£11,732518,592115
City of Edinburgh22£10,334631,64635
City of London - Greater London13£12,296526,12911
Coleraine1£11,795411,1996
Conwy3£13,728429,0883
Cornwall8£10,928626,57218
County Durham40£10,705525,55679
Croydon - Greater London8£12,426521,62620
Cumbria12£9,953643,96919
Denbighshire1£4,395973,0003
Derbyshire53£9,956624,237103
Derry1£12,99525,7002
Devon39£11,541526,28681
Dorset21£11,967522,20739
Dumfries and Galloway8£9,860625,6085
Dundee City9£10,518531,63726
Ealing - Greater London3£3,4251460,3333
East Ayrshire3£9,499640,9318
East Lothian2£10,899322,4643
East Riding of Yorkshire3£8,262639,8067
East Sussex31£10,992524,06934
Enfield - Greater London14£13,840318,46720
Essex49£12,161422,67595
Falkirk3£7,035957,1049
Fife28£11,660418,91655
Glasgow City50£11,561524,788103
Gloucestershire12£8,515743,45515
Greater Manchester136£9,386730,058294
Gwynedd3£7,662861,3331
Hampshire61£10,399628,926130
Harrow - Greater London5£7,7371027,8515
Havering - Greater London28£12,186417,59544
Herefordshire30£13,109318,84421
Hertfordshire57£11,787525,037132
Highland8£11,234636,04810
Hillingdon - Greater London3£4,3951160,79015
Hounslow - Greater London2£9,375631,50026
Inverclyde6£8,798639,8343
Isle of Wight14£9,153834,17712
Kent60£11,290522,748122
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire55£10,062631,222140
Larne1£10,950429,000-
Leicestershire59£11,081527,22488
Lincolnshire51£10,939529,49875
Merseyside15£11,738424,78754
Merthyr Tydfil3£11,256529,4062
Merton - Greater London1£1,99019131,0002
Midlothian1£9,995337,000-
Moray2£11,495320,5504
Neath Port Talbot1£8,1909-2
Newham - Greater London1£3,7951481,500-
Newport1£4,4951060,2872
Newry and Mourne3£13,417310,5705
Newtownabbey7£11,503426,19914
Norfolk44£11,684425,00577
North Ayrshire3£8,863540,2707
North Down1£10,995230,9821
North Lanarkshire12£12,767420,37025
North Yorkshire44£11,227523,545101
Northamptonshire24£10,974525,14732
Northumberland10£11,439528,56513
Nottinghamshire35£11,557420,67884
Oxfordshire19£12,830413,77521
Pembrokeshire1£15,999218,0051
Perth and Kinross7£11,067523,52115
Redbridge - Greater London1£11,99548,695-
Renfrewshire27£10,276530,58528
Rhondda Cynon Taf12£7,215853,81016
Richmond upon Thames - Greater London1£4,4851238,5623
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire23£13,093314,58848
Somerset19£12,914419,21645
South Ayrshire11£11,041522,11418
South Yorkshire52£9,772634,296137
Staffordshire39£11,324525,29965
Stirling15£13,150315,75828
Suffolk32£11,625418,37841
Surrey58£12,939420,26283
Sutton - Greater London2£3,7931550,5003
Tyne and Wear31£9,114737,87866
Warwickshire5£11,062517,7378
West Dunbartonshire3£12,382415,2241
West Lothian15£10,074624,08226
West Midlands94£10,769528,151216
West Sussex35£10,521530,56851
West Yorkshire84£11,586419,690187
Wiltshire26£11,456520,49564
Worcestershire28£12,012521,76153
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