Kia Bad Credit Financing

Buy a new Kia with bad credit. Calculate Kia bad credit auto loan payments based on March 2024 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 14.17%, 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 displayed auto loan payments to your preferences and credit rating. 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. Display more accurate payments 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 / 21.18%
Max Payment
$600.00
Down Payment
$1,500.00
Trade Value
$0.00
Trade Payoff
$0.00

March 2024 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)
$18,845
Car Loan Payment
$399.70

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

2024 Kia Soul

Sticker Price Range (4 trims)
$21,565 to $25,865
Car Loan Payment Range
$460.07 to $555.52
Special Financing Option
4.75%

The 2024 Kia Soul has a March 2024 special interest rate of 4.75% APR. It is a 4 door hatchback with 4 trim levels (LX IVT, S IVT, GT-Line IVT, EX IVT).

2024 Kia Niro

Sticker Price Range (5 trims)
$28,315 to $36,715
Car Loan Payment Range
$600.00 to $600.00
Special Financing Option
5.25%
Down Payment Range
$1,979 to $10,987

The 2024 Kia Niro has a March 2024 special interest rate of 5.25% APR. It is a 4 door hatchback with 5 trim levels (EX Front Wheel Drive, EX Touring Front Wheel Drive, SX Front Wheel Drive, SX Touring Front Wheel Drive, LX Front Wheel Drive).

Kia Sedans for Bad Credit

2023 Kia Rio

Sticker Price Range (2 trims)
$17,905 to $18,545
Car Loan Payment Range
$378.83 to $393.04

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

2024 Kia Forte

Sticker Price Range (5 trims)
$21,145 to $26,545
Car Loan Payment Range
$435.23 to $555.09
Rebate Offer
$750
Special Financing Option
3.90%

The 2024 Kia Forte has a March 2024 rebate of $750 or special interest rate of 3.90% APR. It is a 4 door sedan with 5 trim levels (GT Manual, LX IVT, LXS IVT, GT-Line IVT, GT DCT).

2024 Kia K5

Sticker Price Range (5 trims)
$26,745 to $33,145
Car Loan Payment Range
$575.06 to $600.00
Down Payment Range
$1,500 to $7,159

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

Kia Sport Utility Vehicles for Bad Credit

2024 Kia Seltos

Sticker Price Range (7 trims)
$25,865 to $31,465
Car Loan Payment Range
$555.52 to $600.00
Special Financing Option
4.75%
Down Payment Range
$1,500 to $5,357

The 2024 Kia Seltos has a March 2024 special interest rate of 4.75% APR. It is a 4 door sport utility vehicle with 7 trim levels (LX IVT AWD, S IVT AWD, EX IVT AWD, X-Line DCT AWD, S IVT Front Wheel Drive, SX DCT AWD, EX IVT Front Wheel Drive).

2024 Kia Sportage

Sticker Price Range (10 trims)
$28,565 to $39,365
Car Loan Payment Range
$600.00 to $600.00
Special Financing Option
4.25%
Down Payment Range
$2,246 to $13,830

The 2024 Kia Sportage has a March 2024 special interest rate of 4.25% APR. It is a 4 door sport utility vehicle with 10 trim levels (LX Front Wheel Drive, X-Line AWD, EX Front Wheel Drive, X-Pro AWD, SX Front Wheel Drive, SX-Prestige AWD, SX-Prestige Front Wheel Drive, X-Pro Prestige AWD, LX AWD, EX ...

2023 Kia Sportage Hybrid

Sticker Price Range (4 trims)
$28,815 to $37,715
Car Loan Payment Range
$600.00 to $600.00
Special Financing Option
4.75%
Down Payment Range
$2,515 to $12,060

The 2023 Kia Sportage Hybrid has a March 2024 special interest rate of 4.75% APR. It 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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