Kia Finance changed the terms of the loan in 2020 in favor of buyers, expanding the possibilities of obtaining the desired Korean car and making this process even easier.
Kia is high quality, reliability, unique assembly technology, excellent technical content and elegant design.
Occupying seventh position on the world stage, this brand fully corresponds to its status and from year to year continues to delight and surprise fans with interesting new products and pleasant bonuses.
Loan programs from KIA Motors Rus
New improved lending programs from Kia Motors Rus are constantly entering the market. I cover not only old representatives, but also recently released models of this brand.
If you have made your choice and are planning to use a consumer loan agreement, then you should familiarize yourself in detail with the conditions that they are ready to offer you.
A convenient function at the stage of thinking and making calculations will be the “Calculator”. You just need to fill in the required fields and you will receive all the conditions, term and loan amount on your home computer screen without consulting official dealers or bank employees.
Currently, Kia Motors offers the following purchase programs:
- Credit on benefits;
- "First car";
- "Family car";
- "Trade In"
- Leasing.
KIA Motors Rus interest rate
The preferential project helps to purchase a Kia car, but introduces certain restrictions:
- only models 16-17 years old;
- limit price 1.45 thousand rubles.
If the vehicle you choose falls under these criteria, then further benefits will follow:
- no down payment;
- payment period up to 3 years;
- the interest rate is reduced by 7% from that offered by the banking organization.
Are you planning to buy your first car?
Kia Finance makes the loan terms even more attractive and promises clients to reduce payments by 10% and use them as a down payment or return them to the borrower’s own account.
Purchasing a car for a large family is an exciting moment and Kia wants to share it with you and give you a nice gift - the opportunity to receive a subsidy and reduce expenses by 10 percent of the purchase price.
The uniqueness of the project lies in the fact that owners of any Kia model can transfer their car and receive the proceeds to pay for a new purchase. The more you can resell, the more benefits you get.
The conditions are simple, you need to use the old model for more than six months. Done? Then look at the list of possible replacements and go shopping for new things. This service is convenient and suitable for those who want to deal with car exchange within one day.
Don’t want to deal with applying for a loan or are you not sure about its appropriateness specifically in your case?
Not a problem, Kia gives a solution to this issue and helps you arrange a lease within 3 days for a period of six months with zero advance payment and no increase in price. In the future, redemption is possible at 35%.
Kia finance rules of cooperation
The rules of cooperation are simple and accessible to everyone (provided there is no bad credit history or various frauds). Several options for possible cooperation:
When choosing which contract to conclude, we suggest you familiarize yourself with the Kia Finance line:
“Affiliate Subsidized” comes in two types ( fast (1) And classic(2) depending on the list of documents:
- The maximum loan amount is up to 2 million rubles, the initial payment may be absent or range from 20%, the loan repayment period is 2-3 years, the interest rate depends on the down payment and ranges from 8.8 to 10.3 percent.
- It differs from the first option only in that no more than 4 million rubles are issued to the borrower’s own funds account, and the interest, terms and fees are identical.
- "Partnership with residual value" There are two types, the amount is set within 100 thousand - 3 million rubles. per annum at 17%. The opportunity to repay the debt early for the first calendar year is present without accruing hidden commissions, the amount of the contribution upon concluding an agreement is 20-50%, a comprehensive insurance and life insurance agreement is mandatory, in order to protect the borrower’s organization from possible risks.
- "Partnership for new cars" involves the issuance of funds from 100 thousand to 4 million in national currency for a duration of no more than five years. The interest rate depends on the amounts paid for the first payment and is 14.5-17% per annum. It is up to the borrower to decide how much to pay off the first payment, based on individual financial capabilities; it could be 20 percent, or it could be as much as 90 percent.
In addition to dealership centers, the client is free to go for money to any organization where he opened a bank deposit and obtain a consumer loan agreement for the purchase of a car.
Having carried out analytics on banks in Russia, the following picture of car lending emerges:
- the average duration of repayment of the loan received is from 3 to 7 years;
- the maximum that a lender can offer its clients is from 1.5 to 4 million. rubles;
- no obligation to make the first payment (if this is not possible, but by making the first payment, you reduce the interest rate);
- documents that confirm solvency are not needed, the data indicated in the passport of a citizen of the Russian Federation and rights is enough;
- the lowest possible percentage will not be lower than 8%;
- health, life, auto insurance is not only present, it is also mandatory, like a guarantee for a bank.
Important points
Every bank requires Russian citizenship from borrowers. Foreigners can also get a loan to buy a car, since the law does not prohibit persons who only have permission to stay in the country from making such purchases.
You can simplify the registration procedure by choosing the “loan” service, in this way the organization will protect itself and will not look for reasons for refusal, and there will be one happy buyer in the country.
In addition, it will be relevant to use.
As for the regulatory and legal side of the issue of concluding loan agreements, every citizen is obliged to know what documents he can refer to and look for the necessary answers - this is the constitution, laws on banks and on the protection of consumer rights.
When entering into cooperation with banks and other lending institutions, you need to be prepared.
To summarize, we can say that, having decided to acquire a brand new Kia car, any buyer will be able to choose the optimal conditions and programs suitable for his wallet and individual wishes.
Do you dream of your own car? Today it is not necessary to save money for many years in order to fulfill your cherished dream. Can . But if you don’t want to take a used car, since no one guarantees whether the vehicle was in an accident or not, and no one knows how much money will have to be invested in repairing it, you can apply for one. This brand of car is not suitable? You can take any or use the Kia Finance credit program. In fact, there are many loan offers for the purchase of used and new cars, but we will dwell in more detail on the latter option.
Terms and conditions of the Kia Finance loan program
- There is no need to visit the lender's office in person, which will save time. You can apply for a loan for a car directly at the car dealership.
- Loyal conditions for providing a car loan. The annual interest rate is from 11%, subject to concluding a personal insurance agreement.
- The initial down payment will be 20% of the cost of the vehicle.
- The maximum car loan amount should not exceed the limit of four million rubles.
- The loan is issued for a period of up to 36 months.
- No paperwork. The client only needs to provide a Russian passport and a second document, for example, a driver’s license.
- Preferential conditions for bearers of income certificates.
- Possibility of partial or full early repayment of the loan without imposing penalties.
- Possibility of obtaining a loan for the purchase of additional equipment, as well as a CASCO policy and life insurance.
- Fast consideration of loan applications. You will receive an answer within 15 minutes after sending your request to the bank’s credit center.
Who is the creditor?
You already understand that a Kia loan is issued directly at the car dealership. But it’s not the car dealership itself that provides the loan? A representative office of the Cetelem bank is located right on its territory. The institution offers a wide range of interesting programs in the field of car loans.
Bank Cetelem is constantly expanding its geographic presence and today it has representative offices in 75 regions of the Russian Federation. The bank cooperates with major car manufacturers and their official dealers in Russia, so it can offer its clients the most favorable lending conditions. You can always find out more about the Kia Finance car loan program on the institution’s hotline.
Why is it profitable to take out a car loan?
The current state of the economy does not always allow us to predict inflation rates. It is not known where it is better to direct your savings. Is it worth keeping them on deposit in a bank in national currency or converting them into dollars, or is it worth thinking about, or any other matter? All this looks like. It is not known who will be lucky today. Against this background, life on credit becomes even more attractive. You use the benefits today, but pay off gradually. Yes, there are certain risks in the form of job loss and the inability to repay the loan on time, but you can join the labor exchange and receive unemployment benefits for some time. However, this is not what this is about.
Car loans are a great opportunity to purchase the car you like today, without having to pay the entire amount at once. It is possible to apply without an income certificate. Do not be embarrassed that the longer the loan term, the greater the overpayment, but the monthly payment is lower and there is always the possibility of early repayment.
The new car loan program does not apply to the entire range of cars of this popular Korean brand, but only to two models: and. Actually, these cars are already selling relatively well; they have been at the top of the brand’s car ratings for several years.
New car loan offer " Kia Easy!» is provided by the official partner of Kia Finance - Cetelem Bank. " Kia Easy!» will allow the car owner, without a significant increase in monthly payments, to purchase additional equipment for the selected model, or even qualify for a car in a more expensive configuration than the one for which they had enough money at the time of purchase. 
"Kia Easy!" has some advantages when you compare this car loan with a standard one car loan Kia Finance and Cetelem Bank. The first of them is a twenty percent down payment. The second advantage is that the monthly payment for a car loan is half that of a regular loan. car credit Cetelem Bank. And third, the bank guarantees the residual value of what is purchased on a car loan. "Kia Easy!" car. Such a loan is issued for a period of either two or three years. 
Once the specified period expires, the borrower can either exchange a purchased Kia car for a new model via trade-in, or, having immediately deposited the residual value of the car into the bank, keep it for yourself. Is it also possible to return the car to the bank at the residual price, which is equal to forty-five percent of the cost of the car? and it will be enough to cover the loan.
"Kia Easy!"“will be of interest to several categories of car enthusiasts,” Kia Finance managers are confident. It will allow the client to be more firmly tied to Kia cars, because you can hand over one set and take a more sophisticated one without much damage to your own wallet. 
Kia Rio hatchback Today it is sold at car dealers at prices from 642 to 882 kilorubles, the four-door Rio costs from 612 to 882 thousand rubles. Hatchbacks Kia cee`d 2016 model year, available to the buyer in the range from 770 thousand to 1 million 250 thousand rubles. And the station wagons Kia cee`d can be taken for 845 - 1230 thousand rubles.
The other day Kia Motors Rus announced the so-called “” for those Russian owners of Kia cars who have overstayed their official maintenance date or had it done at unauthorized service centers.
Buying Kia cars on credit under a special program from the manufacturer will be quite profitable. The KIA Finance program is a joint program of KIA Motors Rus and four Russian banks.
Kia Finance program participants:
By applying for a loan from the listed banks, the borrower receives attractive conditions in the form of a discount on the price of the car.
The purchase of KIA cars is covered by state car loans, which allows you to get a loan at a reduced rate.
By providing an additional discount from the manufacturer, the marketing rate can be zero, i.e. the cost of the loan will be comparable to the costs if the car was purchased at retail price.
But at the same time, all banks working under the KIA Finance program require funds for a down payment of 10-15% and mandatory insurance of the car against damage.
Support for the state program of preferential car loans
The government subsidy program covers 8 KIA models:
- Picanto,
- Cee'd,
- Cee'd sw,
- Pro cee'd,
- Cerato
- Venga
The marketing rate will be 5.5%. In this case, the real rate in the loan agreement will be different. But this calculated value, taking into account the price discount from the manufacturer, will correspond to an overpayment of this percentage if the car was purchased at a retail price.
These special conditions apply when applying for a car loan through representatives of Gazprombank official dealer.
Double advantage: car loan - 0%
These are also special conditions for a car loan through Gazprombank, but for a limited number of models:
- Cee'd,
- Cee'd sw,
- Venga,
- Picanto,
- Rio (Premium).
If a number of conditions are met, such as the loan term for the first 3 models is up to two years, and for the last one up to a year, and the down payment is from 27.1% to 49.36%, the marketing rate for this transaction will be zero.
Since the entire overpayment on the loan will be compensated by the manufacturer's discount. This offer is a symbiosis of the state program and discounts from KIA Motors Rus. As a result, there will be no difference for the client when purchasing a car on credit and purchasing it in cash.
KIA Sportage can be purchased through Gazprombank at a marketing rate of 4.9%; there is a separate promotion for this model. The difference will be that for cash payment there will be a discount of 50,000 rubles, and when purchasing on credit, the discount is taken into account in the stated rate.
Favorable loan for Pro cee’d
The real rate will be equal to 10.25% per annum. This is an option for obtaining a car loan from the age of 18.
At the same time, CASCO is issued through the insurance company VSK at a rate of 3.5%.
It is worth considering that a down payment of half the cost of the purchased car will be required.
Trade-in system under the Kia Finance program
If you rent a KIA car or another brand, then the discount:
- for the Kia Quoris model can reach 100,000 rubles,
- for the Kia Optima model - up to 40,000 rubles,
- for the Kia Sportage model - up to 20,000 rubles.
When transferring a KIA brand to a car dealership, the discount may be the maximum of those indicated; otherwise, the discount is on average two times less.
"Easy payments" from Credit Europe Bank
Under the Easy Payments program, there is a special offer for the purchase of a KIA Quoris car. Loan payments are half as much, since the payment schedule will be non-standard.
During the year, only interest on the car loan is paid, and the principal is repaid once a year. At the same time, partially early and full is not limited.
Credit Europe Bank also has an interesting program in which the purchased car does not become collateral for the bank.
The program is called “Simple Choice!”, its rates are higher than other Kia Finance offers, but still lower than personal loans. In this case, the loan is targeted, but without collateral.
Conditions in banks
The conditions at the program’s partner banks are characterized by the absence of additional commissions and the opportunity to qualify for a low marketing rate if a number of conditions regarding terms and down payment are met.
An even more profitable option is a combination of a program from the manufacturer and a preferential car loan program - 50 modifications of 8 KIA models are suitable.
Applying for a car loan under such conditions is much more profitable than. But still, if you don’t want to leave your car as collateral to the bank, then there is a way out - a loan program from Credit Europe Bank “Simple Choice!”, which is something between a car loan and a consumer loan. Gazprombank has the widest selection of design options for KIA cars.
