Kia of Lincolnwood Finance Center
At Kia of Lincolnwood, we offer competitive financing rates and terms on our great selection of new and used cars, trucks, and SUVs. Whether you’re interested in financing or leasing your next new vehicle, our expert and experienced finance staff are here to help. Contact Kia of Lincolnwood’s finance team today or if you’re ready to start the financing process, you can fill out our secure finance application online. Keep reading to learn more about the difference between financing and leasing, why you should choose Kia Motors Finance, and to uncover all the benefits of financing at Kia of Lincolnwood.
Buying
When you finance your vehicle, you’re buying it and will receive a range of impressive ownership benefits. Not only are you getting a sophisticated and reliable vehicle, but you’ll also be receiving an impressive warranty loaded with perks. Financing is a great option for anyone looking for long-term investment and has enough money to pay a decent upfront payment. Your monthly payments will be determined by the vehicle price, amount of your down payment and trade-in value, interest rate, and length of your term. Additional buying benefits include:
Less worry about your car’s condition
No limit on mileage
Full ownership of your vehicle
Factory warranty to cover major repairs
Leasing
When you lease a vehicle, you’re only paying for the portion of the vehicle you use over the course of the lease. A lower down payment, or none at all, may also be possible. Leases generally only last 24 to 48 months which means you’ll always be getting the latest stylings, technology, and performance offerings. So if you like to change things up or want to try out a different model every few years, leasing may be right for you. Additional leasing benefits include:
- Payments are usually lower, compared to a purchase
- Lower down payment
- Opportunity to drive a new car every two to three years
- Factory warranty to cover major repairs
Why finance at Kia of Lincolnwood?
Our finance experts are here to guide you through the financing process and help you get into the vehicle of your dream today. Kia Finance has provided leases and financing to millions of Kia drivers. Kia owners can book dealership appointments, see maintenance milestones, make car payments if financed by Kia Motors Finance, view owner’s manuals, and more all online. Additional reasons to choose Kia over the competition include:
- Kia Motors Finance offers special rates and incentives
- Kia Motors has a special loyal program for returning customers
- Access your Kia Motors Finance account 24/7, no matter where you are
- Special Offers on New Kia Models at Kia of Lincolnwood
- Kia is the #1 Ranked Brand, Mass Market, 6 Years in a Row
Finance FAQs
Q: How long does my finance contract last?
A Kia finance contract typically lasts anywhere from 48 to 84 months (4 to 7 years).
- Financing contracts usually are for 24 to 72 months.
- Leasing contracts usually are for 24 to 48 months.
Q: Can I get pre-approved for financing online?
Yes! You can start the auto financing process from home with our secure online finance application. This helps you save time at the dealership and gives you a clearer idea of your budget.
Q: How many miles can I drive with a leased Kia?
You determine the number of miles you plan to drive during the lease term before you sign the contract. You may buy additional miles upfront. Between 12,000 and 15,000 miles per year is typical. You may incur charges on any excess mileage.
Q: What happens once my lease is over?
You may purchase your lease vehicle or return it to your Kia dealership, at which point you may choose to purchase or lease a new Kia.
Q: Should I lease or finance my next car?
Choosing whether to lease or finance is a personal decision you should base on your lifestyle and budget. Our finance experts at Kia of Lincolnwood are happy to help walk you through the pros and cons of each option.
Q: What are the advantages of financing a new Kia?
Financing a new Kia offers the advantage of building credit, working towards full ownership, no mileage limits, along with the freedom to personalize the car as you see fit. Give us a call, and our team can further discuss the benefit of financing your new Kia.
- No limit on mileage
- Full ownership
- Factory warranty
Q: What are the advantages of leasing a Kia?
Leasing a Kia has its perks. Benefits are lower monthly payments, minimal to no down payment, avoid depreciation risk, and you get the ability to drive a new car with the latest technology and features every few years.
- Lower down payment
- Lower monthly payments
- Return for a new model every two to three years
- Factory warranty covers major repairs
Q: Do you offer financing for used cars?
Definitely. At Kia of Lincolnwood, we provide financing options for both new and pre-owned Kia vehicles, as well as used cars from other brands in our inventory.
Q: Why choose Kia Motors Finance?
Kia owners can book dealership appointments, see maintenance milestones, make car payments if financed by Kia Motors Finance, view owner's manuals, and more all online.