KIA Finance

Owning a new or approved used Kia is a true pleasure so we want to make doing so as simple and affordable as possible with our tailored finance solutions.  Whether you are a private or a business customer, we offer a range of finance packages to help you match the financing of your Kia to your individual requirements. 

Buying a new or used Kia is an important decision so we are here to help you make sure that you have chosen the right purchase method for you with the help of our dedicated Kia Financial Services Specialists at our Kia Centres in Carlisle, Cumbria and Morecambe, Lancashire.


A flexible and popular plan that provides you with the option to change your car on a regular basis. At the start of the agreement we’ll set an optional final payment for your car, this will be based upon your chosen agreement term and approximate annual mileage. You pay a deposit and then make monthly repayments based on the outstanding loan balance less the optional final payment. At the end of the monthly repayment period you’ll have three options:

  • Retain - Pay the optional final payment and take ownership of the car
  • Return - Hand back the car with nothing more to pay. Subject to mileage and fair wear and tear. If electing to hand the vehicle back at the end of contract, any mileage in excess of the agreed limit will be chargeable at 9p per mile (Inc. VAT) for all models.
  • Renew - Part exchange the car and use any equity as a deposit on your next car (if any available, which cannot be guaranteed)


A simple and traditional way to finance your car over a fixed period for a fixed monthly amount. You pay a deposit then make regular monthly repayments to repay the balance, it’s that simple. As your interest rate is fixed you’ll know exactly how much you’ll repay at the outset of the agreement. Only once all monthly repayments have been made will you own the car.


Whether you have one vehicle or a whole fleet, Kia Contract Hire gives you the flexibility and help you need so you can concentrate on running your business, not your car.  

Finance packages are subject to status and terms and conditions apply.  Lloyd Motors Ltd is authorised and regulated by the Financial Conduct Authority (FRN 308524).

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