Personal Contract Purchase (PCP) Car Finance | Kia UK
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Personal Contract Purchase (PCP) offers

PERSONAL CONTRACT PURCHASE (PCP) OFFERS

With a Personal Contract Purchase (PCP), you pay for a portion of the vehicle's upfront sale price over a number of years, but can then settle the balance.

How does PCP work?

Kia Finance PCP

With a Personal Contract Purchase (PCP), you pay for a portion of the vehicle's upfront sale price over a number of years, but can then settle the balance - and own the car - once the contract concludes. Alternatively, when your PCP car finance payments are over, you can hand the car back to us with nothing further to pay (subject to mileage and fair wear and tear).

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:

  • Circular arrows

    Pay the optional final payment and take ownership of the car

  • Car

    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.

  • Chequered flag

    Part exchange the car and use any equity as a deposit on your next car (if any available, which cannot be guaranteed)

All policies are subject to mileage and fair wear and tear. If you decide to return the vehicle to us at the end of the contract, any milage in excess of the agreed limited will be chargeable at 9p per mile, including VAT.

Deposit contributions on selected finance products

With a number of ways to buy your new Kia, you'll find a car finance offer to suit you.

  • Personal Contract Purchase (PCP)
    Sportage Shadow: 7.9% APR Representative
    Sportage Shadow: 7.9% APR Representative

    7.9% APR over 36 months with no minimum customer deposit and £1,500 PCP Finance Deposit Contribution. 

     

    Terms apply - scroll to bottom to view.

    View Offer Calculate Finance
  • Personal Contract Purchase (PCP)
    EV9: 3.9% APR Representative
    EV9: 3.9% APR Representative

    3.9% APR over 36 months with no minimum customer deposit. 

     

     

     

    Terms apply - scroll to bottom to view.

    View Offer Calculate Finance
  • Personal Contract Purchase (PCP)
    EV6: 3.9% APR Representative
    EV6: 3.9% APR Representative

    3.9% APR over 36 months with no minimum customer deposit and £1,500 PCP Finance Deposit Contribution. 

     

     

    Terms apply - scroll to bottom to view.

    View Offer Calculate Finance

We offer PCP across the whole Kia range

FAQs

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Additional personal and business offers

  • Used Car Offers
    Used Car Offers

    We ensure all our pre-owned vehicles meet the high standards our customers deserve.

    View Offers
  • Motability Offers
    Motability Offers

    Find out about low advance payments and weekly allowances.

     

    View Offers
  • Business Offers
    Business Offers

    Discover the perfect arrangement for you and your business.

     

    View Offers
  • Offers for Owners
    Offers for Owners

    Need a service? Book online with us at a time that suits you.

     

    View Offers

Terms & Conditions

 

Sportage: 

£1,500 towards your PCP Finance Deposit Contribution on Sportage Shadow (Petrol and Hybrid).  Offer available on purchase of a new Kia Sportage in the United Kingdom between 01.10.2024 and 16.12.2024. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice. Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions click here.

 

EV9:

Offer available on purchase of a new Kia EV9 in the United Kingdom between 01.10.2024 and 16.12.2024. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice.  Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required.  Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions here.

 

EV6:

£1,500 towards your PCP Finance Deposit on EV6. Offer available on purchase of a new Kia EV6 in the United Kingdom between 01.10.2024 and 16.12.2024. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice.  Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions click here.

 

 

Kia UK Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 731457 for credit broking and is a credit broker and not a lender. Kia UK Limited introduces customers to its appointed dealers who act as credit brokers in their own right and who may introduce customers to Hyundai Capital UK Limited, trading as Kia Finance, which is authorised and regulated by the Financial Conduct Authority under firm reference number 581186 as a lender. As a credit intermediary, Kia Finance will pay Kia dealers (credit brokers) a commission for the introduction of business. The credit brokers work with a limited selection of lenders only. They have not searched the whole market to offer you the most suitable or competitive finance terms that may be available. Credit brokers are being paid a commission and therefore will not be able to give you an impartial recommendation as to the finance options available to you. There may be better finance deals available for you elsewhere in the market. All commission amounts will be disclosed prior to completion of your agreement. Kia UK Ltd is registered in England & Wales No: 4415807. Registered Office: Walton Green, Walton-On-Thames, Surrey, KT12 1FJ.