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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
All2,154£10,210630,9594,139
Aberdeen City16£10,716419,99621
Aberdeenshire4£15,51126,47917
Angus7£13,85229,4197
Antrim2£10,447619,38413
Ards5£10,302535,39314
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Ballymoney1£2,7501477,000-
Barnet - Greater London1£15,69019,000-
Bedfordshire38£9,127734,94960
Belfast1£3,6501365,00014
Berkshire34£9,425730,27873
Bexley - Greater London2£9,345641,5761
Brent - Greater London3£5,333990,0004
Bristol15£7,670949,76131
Bromley - Greater London10£13,395511,0238
Buckinghamshire13£8,273831,28145
Cambridgeshire70£11,314521,76588
Cardiff2£13,149515,4542
Carmarthenshire5£8,035744,5525
Ceredigion2£10,995615,5328
Cheshire59£11,566519,467121
City of Edinburgh21£10,064632,84236
City of London - Greater London14£11,338629,68011
Coleraine1£11,795411,1996
Conwy3£13,728429,0453
Cornwall8£10,928626,57220
County Durham42£11,067523,74778
Croydon - Greater London7£12,437422,08621
Cumbria14£10,066642,90518
Denbighshire1£4,395973,0003
Derbyshire49£9,841624,986105
Derry1£12,99525,7002
Devon39£11,426525,80083
Dorset18£12,166518,14238
Dumfries and Galloway10£9,857624,8667
Dundee City10£10,196530,50023
Ealing - Greater London3£3,4251460,3333
East Ayrshire3£9,499640,9319
East Lothian2£10,949322,4643
East Riding of Yorkshire6£8,420733,8068
East Sussex30£11,103523,77335
Enfield - Greater London13£14,724214,30820
Essex45£11,805523,52996
Falkirk5£9,415639,3997
Fife29£11,706418,51954
Glasgow City51£11,427524,218105
Gloucestershire13£8,570741,88417
Greater Manchester129£9,282730,293300
Gwynedd3£7,662861,3331
Hampshire61£10,483627,710137
Harrow - Greater London5£7,7371027,8515
Havering - Greater London31£12,369417,27145
Herefordshire29£13,413316,49421
Hertfordshire57£11,639525,245131
Highland8£11,234636,04812
Hillingdon - Greater London3£4,3951160,79015
Hounslow - Greater London5£12,240415,61424
Inverclyde5£8,858639,4943
Isle of Anglesey1£10,499547,000-
Isle of Wight14£9,153834,17712
Kent62£11,216522,591123
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire60£10,157631,062134
Larne1£10,950429,000-
Leicestershire53£10,674529,06589
Lincolnshire52£11,055428,71676
Merseyside13£11,683422,42355
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£4,4951060,2874
Newry and Mourne3£13,463310,5706
Newtownabbey8£11,740424,17313
Norfolk44£11,746425,19877
North Ayrshire3£8,863540,2707
North Down1£10,995230,9821
North Lanarkshire12£12,767420,37025
North Yorkshire44£11,314523,483104
Northamptonshire23£10,770626,10732
Northumberland11£11,486526,79312
Nottinghamshire32£11,502421,21385
Oxfordshire17£12,893412,79122
Pembrokeshire2£11,997548,9912
Perth and Kinross7£11,067523,52115
Redbridge - Greater London1£11,99548,695-
Renfrewshire29£10,515527,97925
Rhondda Cynon Taf11£7,280855,79316
Richmond upon Thames - Greater London1£4,4851238,5623
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire20£12,956315,51248
Somerset17£12,947418,30146
South Ayrshire14£11,139522,32616
South Yorkshire51£9,923633,234135
Staffordshire40£11,166625,50170
Stirling15£13,177315,75829
Suffolk33£11,732418,14842
Surrey57£12,891420,46186
Sutton - Greater London2£3,7931550,5003
Torfaen1£2,9951281,4461
Tyne and Wear33£9,580634,49164
Warwickshire5£11,097517,7378
West Dunbartonshire3£12,382415,2241
West Lothian16£10,194623,19225
West Midlands91£10,991527,822220
West Sussex32£10,521531,91050
West Yorkshire87£11,594419,784185
Wiltshire23£11,257521,98965
Worcestershire28£11,817522,27852
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