Kia Bad Credit Financing

Buy a new Kia with bad credit. Calculate Kia bad credit auto loan payments based on December 2023 rebates, down payment, and trade equity or negative equity. Dealership bad credit programs.

Buying a new Kia with bad credit can be challenging especially with negative equity. Calculations below are based on a credit score between 300 and 500, a maximum Loan to Value (LTV) of 110%, a 72 month loan term, the national average new car rate for bad credit of 14.18%, and a recommended down payment amount of $1,500. If applicable, all rebates are deducted from the loan amount. When the LTV exceeds the maximum LTV of 110% the estimated lender required approval down payment amount for a Kia loan with bad credit is displayed.

Buying a Kia with Bad Credit

If you are in an upside down car loan and want to trade-in a car with negative equity for a new Kia vehicle our calculator will estimate how much negative equity a bank will finance on each Kia model based a bad credit credit score, trade value, and trade pay off.

Click the + Customize Payments button to tailor your new car auto loan payments to your exact preferences. Our estimated payments assume bad credit, $1,500 down, and encompass state taxes, as well as typical DMV and dealer document fees. The Sticker Price accounts for the MSRP and Destination Charge. Make it uniquely yours by adjusting factors such as your state of residence, credit score, down payment, and trade-in value versus trade payoff. Get started now!

State
National
Credit Score / Avg. Rate
300-500 / 21.38%
Max Payment
$600.00
Down Payment
$1,500.00
Trade Value
$0.00
Trade Payoff
$0.00

December 2023 Recommeded Kia Vehicles for Bad Credit Financing

Get a lease quote or get pre-approved for financing on the a new kia models for bad credit.

Kia Hatchbacks for Bad Credit

2023 Kia Rio 5-Door

Sticker Price (1 trim)
$18,815
Car Loan Payment
$399.13

The 2023 Kia Rio 5-Door is a 4 door hatchback with 1 trim levels (S IVT).

2023 Kia Soul

Sticker Price Range (4 trims)
$21,215 to $25,515
Car Loan Payment Range
$452.42 to $547.89
Special APR Offer
2.90%

The 2023 Kia Soul has a December 2023 special interest rate of 2.90% APR. It is a 4 door hatchback with 4 trim levels (GT-Line IVT, EX IVT, LX IVT, S IVT).

2024 Kia Niro

Sticker Price Range (5 trims)
$28,165 to $36,565
Car Loan Payment Range
$600.00 to $600.00
Down Payment Range
$1,825 to $10,834

The 2024 Kia Niro is a 4 door hatchback with 5 trim levels (EX Touring Front Wheel Drive, SX Front Wheel Drive, SX Touring Front Wheel Drive, LX Front Wheel Drive, EX Front Wheel Drive).

Kia Sedans for Bad Credit

2023 Kia Rio

Sticker Price Range (2 trims)
$17,875 to $18,515
Car Loan Payment Range
$378.26 to $392.47

The 2023 Kia Rio is a 4 door sedan with 2 trim levels (LX IVT, S IVT).

2023 Kia Forte

Sticker Price Range (5 trims)
$20,815 to $26,215
Car Loan Payment Range
$443.54 to $563.44
Special APR Offer
2.90%

The 2023 Kia Forte has a December 2023 special interest rate of 2.90% APR. It is a 4 door sedan with 5 trim levels (GT-Line IVT, GT DCT, GT Manual, LX IVT, LXS IVT).

2024 Kia K5

Sticker Price Range (5 trims)
$26,515 to $32,915
Car Loan Payment Range
$570.10 to $600.00
Down Payment Range
$1,500 to $6,920

The 2024 Kia K5 is a 4 door sedan with 5 trim levels (LXS Auto Front Wheel Drive, GT-Line Auto Front Wheel Drive, EX Auto Front Wheel Drive, GT DCT Front Wheel Drive, GT-Line Auto AWD).

Kia Sport Utility Vehicles for Bad Credit

2024 Kia Seltos

Sticker Price Range (7 trims)
$25,715 to $31,315
Car Loan Payment Range
$552.34 to $600.00
Down Payment Range
$1,500 to $5,203

The 2024 Kia Seltos is a 4 door sport utility vehicle with 7 trim levels (S IVT AWD, EX IVT AWD, X-Line DCT AWD, S IVT Front Wheel Drive, SX DCT AWD, EX IVT Front Wheel Drive, LX IVT AWD).

2023 Kia Sportage

Sticker Price Range (11 trims)
$27,615 to $38,415
Car Loan Payment Range
$594.52 to $600.00
Special APR Offer
4.25%
Down Payment Range
$1,500 to $12,819

The 2023 Kia Sportage has a December 2023 special interest rate of 4.25% APR. It is a 4 door sport utility vehicle with 11 trim levels (SX AWD, SX Front Wheel Drive, X-Pro AWD, SX-Prestige Front Wheel Drive, SX-Prestige AWD, LX AWD, X-Pro Prestige AWD, EX AWD, LX Front Wheel Drive, X-Line AWD, EX Fro...

2023 Kia Sportage Hybrid

Sticker Price Range (4 trims)
$28,815 to $37,715
Car Loan Payment Range
$600.00 to $600.00
Down Payment Range
$2,522 to $12,067

The 2023 Kia Sportage Hybrid is a 4 door sport utility vehicle with 4 trim levels (LX AWD, EX AWD, SX-Prestige AWD, LX Front Wheel Drive).

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