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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
All2,166£10,157631,1734,139
Aberdeen City16£10,716419,99620
Aberdeenshire5£13,808312,10817
Angus7£13,85229,4197
Antrim2£10,447619,38413
Ards7£10,456431,26714
Armagh1£10,495331,228-
Ballymena2£7,048834,6473
Ballymoney1£2,7501477,000-
Barnet - Greater London1£15,69019,000-
Bedfordshire38£9,377734,05160
Belfast1£3,6501365,00014
Berkshire33£9,238731,02274
Bexley - Greater London2£9,345641,5761
Brent - Greater London3£5,333990,0004
Bristol16£7,3231051,33831
Bromley - Greater London10£13,395511,0238
Buckinghamshire14£8,389832,10945
Cambridgeshire68£11,199522,23487
Cardiff1£7,999827,7072
Carmarthenshire5£8,035744,5525
Cheshire62£11,568519,929119
City of Edinburgh22£10,350631,64635
City of London - Greater London13£12,296526,12910
Coleraine1£11,795411,1996
Conwy3£13,728429,0883
Cornwall8£10,928626,57220
County Durham39£10,865524,67381
Croydon - Greater London7£12,437422,08621
Cumbria13£10,495640,92219
Denbighshire1£4,395973,0003
Derbyshire49£9,874623,945107
Derry1£12,99525,7002
Devon40£11,465525,82983
Dorset20£11,752522,46238
Dumfries and Galloway10£9,857625,9677
Dundee City11£10,969428,68824
Ealing - Greater London3£3,4251460,3333
East Ayrshire3£9,499640,9319
East Lothian2£10,949322,4643
East Riding of Yorkshire6£8,420733,8068
East Sussex29£11,210523,24935
Enfield - Greater London13£14,589214,30820
Essex50£12,236422,26095
Falkirk4£8,944744,3908
Fife28£11,660418,91656
Glasgow City51£11,619423,998103
Gloucestershire12£8,515743,45517
Greater Manchester133£9,253730,371298
Gwynedd3£7,662861,3331
Hampshire61£10,463628,188136
Harrow - Greater London5£7,7371027,8515
Havering - Greater London31£12,357417,27145
Herefordshire30£13,109318,84421
Hertfordshire57£11,864524,846133
Highland8£11,234636,04810
Hillingdon - Greater London3£4,3951160,79015
Hounslow - Greater London2£9,375631,50026
Inverclyde5£8,858639,4943
Isle of Anglesey1£10,499547,000-
Isle of Wight14£9,153834,17712
Kent60£11,220522,726124
Kingston upon Thames - Greater London1£10,000439,1382
Lancashire57£10,088631,675137
Larne1£10,950429,000-
Leicestershire55£10,879527,74488
Lincolnshire51£10,943529,49876
Merseyside14£11,362424,78754
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£4,4951060,2874
Newry and Mourne3£13,463310,5705
Newtownabbey8£11,740424,17313
Norfolk43£11,729425,28478
North Ayrshire3£8,863540,2707
North Down1£10,995230,9821
North Lanarkshire12£12,767420,37025
North Yorkshire44£11,312523,483102
Northamptonshire23£10,990524,83433
Northumberland10£11,439528,56513
Nottinghamshire34£11,648420,23085
Oxfordshire17£12,893412,79422
Pembrokeshire1£15,999218,0051
Perth and Kinross7£11,067523,52115
Redbridge - Greater London1£11,99548,695-
Renfrewshire28£10,301529,66027
Rhondda Cynon Taf12£7,215853,81016
Richmond upon Thames - Greater London1£4,4851238,5623
Rutland2£12,225410,4342
Scottish Borders1£7,149828,3161
Shropshire23£13,084314,58848
Somerset20£12,528419,35545
South Ayrshire11£11,041522,11419
South Yorkshire52£9,892633,247138
Staffordshire40£11,147624,28170
Stirling15£13,197315,75828
Suffolk33£11,706418,14842
Surrey57£12,954420,58985
Sutton - Greater London2£3,7931550,5003
Torfaen1£2,9951281,4461
Tyne and Wear33£9,313736,81065
Warwickshire5£11,062517,7378
West Dunbartonshire3£12,382415,2241
West Lothian15£10,074624,08226
West Midlands94£10,918527,759219
West Sussex36£10,410531,46851
West Yorkshire87£11,605419,635184
Wiltshire25£11,354521,05864
Worcestershire27£11,828522,41053
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