Brand Finance
Kia Finance
7-year warranty as standard
About Kia Finance
Kia secured the No. 2 spot for UK car sales in early 2026 with a 6.9% market share (SMMT data), driven by the global best-selling Sportage SUV and expanding EV lineup including the EV3. Kia Finance is provided by Hyundai Capital UK Limited, a joint venture between Santander Consumer UK, Hyundai Capital Services Korea, Hyundai Motor UK, and Kia UK. The partnership blends Santander's UK banking infrastructure with Hyundai Capital's automotive retail expertise. Buyers primarily finance using PCP or a Personal Motor Loan (PML). Kia's buyer profile spans cost-conscious urban drivers (Picanto) to eco-conscious families investing in premium EVs.
Finance Facts
| Finance provider | Hyundai Capital UK Limited (Joint venture: Santander Consumer UK, Hyundai Capital Services Korea, Hyundai Motor UK, Kia UK) |
| Products |
|
| Representative APR | 3.9% – 7.9%
(typical 5.9%, as of 2026-04) 3.9% on electric models (EV2, EV3, EV5, EV6); 5.9% on Sportage and Picanto; up to 7.9% for K4. |
| Term range | 12 – 60 months |
| Loan range | £3,000 – £50,000 (Minimum £3,000 for Personal Motor Loan. Maximum varies by vehicle price and credit status.) |
APR Comparison
How Kia’s representative APR compares to UK personal loans (BoE) and the broker market average.
Kia's typical 5.9% APR on combustion models is competitive within captive manufacturer finance but sits above UK personal loans (~4.1%) and broker averages (~3.95%). However, Kia undercuts both on its EV range with subsidised 3.9% APR plus generous PCP deposit contributions.
Customer Sentiment
Common positives
- + Prompt telephone answering times
- + Smooth vehicle collection processes
Common complaints
- − Difficulties making principal payments or early settlements
- − Poor customer service for account changes and bereavement handling
Data as of 2026-04-11
Regulatory Notes
- 2026: The FCA announced a redress scheme for motor finance customers affected by historical discretionary commission arrangements. Kia Finance published guidance for customers. [source]
Calculate Your Kia Finance
Run any Kia price through all three finance modes. See monthly payment, total payable, and total cost of credit side by side.
Your details
PCP result
Total Amount Payable
£29,386.98
This is the total that leaves your account — deposit + all payments + balloon