Finance Types - Explained

Personal Finance – Finance Options to Suit Your Needs

A vehicle is a substantial purchase for almost everyone and a financing agreement that suits your specific needs can be just as beneficial in the long term as your vehicle’s afordable headline price. We are pleased to offer a selection of financing packages to suit the needs of any customers, with conventional loans accompanied by flexible Hire Purchase or Personal Contract Purchase arrangements.

Kia Hire Purchase

This simple agreement enables you to take full ownership of the vehicle by dividing the total cost of your car (minus the deposit) into monthly repayments over a pre-agreed period. Kia Hire Purchase deals are available with both fixed and variable interest rates, and repayments can also be made either in advance or arrears – making a Kia Hire Purchase agreement even more flexible.

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Personal Contract Purchase

These policies are very popular, due to the great choice and flexibility they allow customers. The monthly repayments are calculated by agreeing on the cost of the car (plus interest accrued) and deducting both the deposit and estimated value of the car at the end of the term (based on your expected annual mileage). At the end of the agreements (which can be as long as 42 months), customers have the choice of either handing the car back to the dealership or paying the remaining lump sum to take ownership of the car.

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