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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
All2,135£10,147631,2904,180
Aberdeen City16£10,926418,90822
Aberdeenshire5£14,209211,45816
Angus7£13,85229,4197
Antrim2£10,447619,38413
Ards5£10,302535,39315
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Ballymoney1£2,7501477,000-
Barnet - Greater London1£15,69019,000-
Bedfordshire40£9,095735,27558
Belfast1£3,6501365,00014
Berkshire33£9,224731,20173
Bexley - Greater London2£9,495641,5761
Brent - Greater London3£5,333990,0004
Bristol14£7,864947,03032
Bromley - Greater London10£13,395511,0239
Buckinghamshire14£8,269832,68144
Cambridgeshire68£11,359521,29892
Cardiff2£13,149515,4542
Carmarthenshire4£8,370740,7655
Ceredigion4£9,245832,1616
Cheshire61£11,520519,632120
City of Edinburgh20£9,867633,79539
City of London - Greater London15£10,669733,70111
Coleraine1£11,795411,1996
Conwy3£13,728429,0453
Cornwall7£11,133629,42720
County Durham40£11,219523,53479
Croydon - Greater London8£12,394422,18120
Cumbria13£9,964642,69919
Denbighshire1£4,395973,0003
Derbyshire48£9,748625,179107
Derry1£12,99525,7002
Devon40£11,451525,90184
Dorset15£11,737519,64442
Dumfries and Galloway10£9,857624,8667
Dundee City9£9,607633,10825
Ealing - Greater London3£3,4251460,3333
East Ayrshire3£9,499640,9319
East Lothian2£10,949322,4643
East Riding of Yorkshire6£8,312733,7099
East Sussex29£10,923524,29936
Enfield - Greater London12£14,701215,13721
Essex45£12,071423,36997
Falkirk6£10,312633,1718
Fife27£11,735417,67559
Glasgow City51£11,563524,067106
Gloucestershire13£8,981642,25317
Greater Manchester137£9,221731,207296
Gwynedd3£7,662861,3331
Hampshire60£10,582626,626142
Harrow - Greater London5£7,7371027,8515
Havering - Greater London29£12,585416,64844
Herefordshire29£13,420316,49423
Hertfordshire54£11,537525,482135
Highland10£12,386530,69812
Hillingdon - Greater London3£4,3951160,79015
Hounslow - Greater London7£10,393627,29622
Inverclyde5£8,858639,4943
Isle of Wight11£8,641937,19112
Kent64£11,096523,583120
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire58£10,222631,413137
Larne1£10,950429,000-
Leicestershire54£10,700529,67786
Lincolnshire47£10,883530,07379
Merseyside18£11,362522,46265
Merthyr Tydfil2£11,384521,3082
Merton - Greater London1£1,99019131,0002
Midlothian1£9,995337,000-
Moray2£11,495320,5503
Neath Port Talbot1£8,1909-2
Newham - Greater London1£3,7951481,500-
Newport1£4,4951060,2874
Newry and Mourne3£13,463310,5706
Newtownabbey7£10,978427,60213
Norfolk43£11,983424,44176
North Ayrshire3£8,863540,2707
North Down2£8,345660,576-
North Lanarkshire11£12,869520,29225
North Yorkshire42£11,254524,046106
Northamptonshire21£10,935623,92432
Northumberland11£11,498526,79313
Nottinghamshire35£11,654420,13482
Oxfordshire14£13,468310,33723
Pembrokeshire2£11,997548,9912
Perth and Kinross6£11,229524,52515
Redbridge - Greater London1£11,99548,695-
Renfrewshire26£10,767526,84027
Rhondda Cynon Taf11£7,280855,79317
Richmond upon Thames - Greater London1£4,4851238,5623
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire24£12,965314,49544
Somerset15£13,121419,25747
South Ayrshire15£11,363521,63316
South Yorkshire48£9,510634,924136
Staffordshire39£11,105625,74571
Stirling15£13,177315,75829
Suffolk32£11,736417,69742
Surrey54£12,778420,59085
Sutton - Greater London2£3,7931550,5003
Torfaen1£2,9951281,4461
Tyne and Wear34£9,847631,81465
Warwickshire5£11,097517,73710
West Dunbartonshire3£12,382415,2241
West Lothian17£9,918623,04725
West Midlands94£10,459630,478211
West Sussex32£10,694530,68851
West Yorkshire84£11,462521,049190
Wiltshire23£11,358521,85566
Worcestershire27£11,599521,32754
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