About Kia's car range
Kia's UK range spans several distinct segments: the Picanto is its smallest city car, the Ceed covers the family hatchback and estate segment, the Sportage is one of its best-known SUVs, and the EV6 represents Kia's move into fully electric vehicles. Between them, these models cover a broad spread of budgets and needs, from first cars to family transport to electric motoring.
Kia has built a strong general reputation in the UK as a mainstream, value-focused brand, and the manufacturer has seen strong recent growth in UK market share as more buyers consider it alongside more established mainstream and premium names. One of the brand's most well-known general strengths is its new-car warranty, which is widely regarded as one of the longest in the industry — it's worth checking the current warranty terms directly with Kia or a dealer, since these can change over time.
The used Kia market in the UK has grown accordingly, with a good supply of used Picantos, Ceeds and Sportages available, and a smaller but increasing number of used EV6s as more of these reach the second-hand market. As with any used car, it's worth checking whether any remaining manufacturer warranty transfers to a new owner, since this can be a genuine point of value on a used Kia specifically.
Financing a Kia car
Buying from a Kia dealer will usually mean being offered finance through the manufacturer's finance arm as one option, and this is worth considering. But as with any manufacturer, it's only one route, and comparing it against independent finance providers can reveal a better fit for your circumstances. PCP and HP are both commonly used for Kia models, and for the EV6 specifically it's worth asking whether any finance offer reflects the vehicle's expected running costs as well as its purchase price.
Whatever finance route you consider, compare the same things each time: total cost over the term, deposit, monthly payment, mileage allowances, and end-of-agreement options. Our HP car finance calculator and affordability/settlement calculator can both help you work out what a Kia might cost before you commit to any single offer.
Among the approved lenders on our panel, Carmoola is worth comparing for buyers who want a fast, app-based application process, which can suit straightforward purchases like a Picanto or Ceed. Blue Motor Finance and Moneybarn may also be worth comparing, particularly for buyers whose circumstances mean a wider range of lending criteria is useful to have on the table. Compare more than one representative example before deciding, rather than accepting the first offer you see.
FAQ
Q: Does Kia's long warranty affect car finance?
A: Not directly, but a longer remaining warranty can be a useful factor when comparing used Kias, since it may reduce the risk of unexpected repair costs during your finance agreement. Always check the current warranty terms and whether they transfer to a new owner.
Q: Can I finance a used Kia EV6?
A: Yes, used electric vehicles including the EV6 can typically be financed in the same way as petrol or diesel models, though it's worth asking lenders how they treat battery condition and expected resale value for electric cars specifically.
Q: Is it better to use Kia's own finance or an independent lender?
A: Neither is automatically better. Manufacturer finance can be convenient, but comparing it against independent lenders lets you check whether the total cost, deposit and terms are actually competitive for your circumstances.
Compare lenders for Kia Car Finance
- Carmoola — an app-based lender, worth comparing for buyers who want a quick, straightforward process on a lower-value model like the Picanto or Ceed.
- Blue Motor Finance — works across a wide range of dealers and applicant circumstances, a useful comparison for buyers whose situation doesn't fit a standard mainstream lending profile.