Kia Car Finance – New & Used Deals

If you're looking to finance a vehicle from Kia, we're happy to help you get the best possible finance for your circumstances from our panel of lenders.
  • Take our 1-minute application
  • We find you the best possible deal 
  • We do the paperwork, you drive away!
Representative APR: 19.9% APR
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*Our lenders operate using an initial "soft search" which does not impact your credit score however, if you wish to proceed with the finance offered, the lender may carry out a "hard search" prior to sending you the finance documentation to sign.
KIa car finance brokers

Why choose Happy Motor Finance for your Kia car finance needs?

We understand that credit histories vary, and not everyone can afford a hefty deposit. Our extensive network of lenders is committed to making Kia ownership achievable for everyone.
Our mission is to secure budget-friendly car finance deals, irrespective of credit records. While some lenders turn away applicants with unfavorable credit, we have partnered with lenders who adopt a more open-minded approach.

How it Works

Embarking on your Kia financing journey is as easy as filling out our quick online application form. Once you submit your details, we'll perform a soft credit inquiry. This step helps us match you with the ideal lender from our panel, tailored to your unique circumstances. Rest assured, this soft search won't impact your credit score negatively.
If your application is approved, then your dedicated account manager will get in touch to explore your options. If you haven't found your Kia yet, our personal shopper service is ready to assist. Then we communicate with the lenders and dealership on your behalf to ensure a hassle-free process.

Finance Calculator

Amount to Finance
Monthly Budget
-
£
+
-
£
+
24
36
48
60

Approximate Monthly Payments

Excellent Credit
10.9% APR
108
Good Credit
17.9% APR
127
Fair Credit
24.9% APR
146
Poor Credit
39.9% APR
193

The above rates and monthly payments are an example only. The actual rate you will be offered by lenders could be lower or higher depending on your circumstances


Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

*Our lenders operate using an initial "soft search" which does not impact your credit score however, if you wish to proceed with the finance offered, the lender may carry out a "hard search" prior to sending you the finance documentation to sign.

Approximate Amount You Could Borrow

Excellent Credit
10.9% APR
10.00
Good Credit
17.9% APR
10.00
Fair Credit
24.9% APR
10.00
Poor Credit
39.9% APR
10.00

The above rates and monthly payments are an example only. The actual rate you will be offered by lenders could be lower or higher depending on your circumstances


Get Started
With no impact to your credit score*

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

*Our lenders operate using an initial "soft search" which does not impact your credit score however, if you wish to proceed with the finance offered, the lender may carry out a "hard search" prior to sending you the finance documentation to sign.

Why Choose Happy Motor Finance?

  • If you currently have a vehicle on finance, we can help you get your Settlement Figure
  • Most credit scores considered
  • Get finance on new or used motors
  • £0 deposit options
  • No arrangement fees
  • Get a decision in minutes
  • We check a wide panel of lenders

How Our Service Works

Apply
You apply in 60 seconds using our simple online application form - check your emails for updates
Compare
We search our panel of lenders to compare quotes and get you the best finance deal
Options
If approved, we will call you to explain your finance options and discuss your vehicle requirements
Vehicle
You’re welcome to find your own vehicle or we can help you find one, we carry out checks on the dealer and vehicle
Documents
We will tell you what documents you need to send us - you then receive the finance agreement to eSign
Drive
It’s time to collect your vehicle and drive away in as little as 48 hours!
Chelcie Rowe
Chelcie Rowe
Excellent customer service. Friend, helpful and patient. Knowledgeable and reassuring. This company helped when nobody else could in regards to finance, and Leon was exemplary.
Celin Roisin
Celin Roisin
Kirsty has been an absolute star the entire way - even when we had to change car last minute, she had it sorted and kept me feeling confident and secure throughout the entire process! I would recommend her to anyone and whoever gets her as an advisor is so lucky!!!!
Andrew Dean
Andrew Dean
Really smooth process, the guys were great from start to finish and couldn't be happier with my new car. Legends!
Dyan Walker
Dyan Walker
Excellent service. Ali was professional, attentive and extremely thorough. He explained everything clearly and was able to close the deal for me quickly. Initial contact was made on Saturday and by Monday everything was completed. 5* service.
Martin Ball
Martin Ball
Hello well had never brought a car this way before but was helped though the whole thing by great staff found a great car and within 24hours had a new car 5⭐ customer service
Toni Seraphin
Toni Seraphin
Was not expecting to be looking for another car so soon... and this was at no faulty of Happy motors... They handled the issue with my first car rapidly. Damian, Leon on the day of the bad event went above and beyond to rectify the issue and dealt with the dealership. This meant that Kirsty had to put up with me once again to find another car... and bless her understanding and patience again for dealing with me haha! I eventually found my car, and again Kirsty and happy motors were superb, quick and efficient fro. Auto trader add to the car being at my door... superb. I recommend this team to anyone and will spread their name far and wide.. and sorry to say Kirsty... I will definitely be back again without doubt or hesitation.
John Henry Oluebube Maduka
John Henry Oluebube Maduka
I recently had the pleasure of working with Kirsty at Happy Motor Finance to secure financing for my new car, and I am beyond impressed with the service I received. From the moment we connected, Kirsty was incredibly knowledgeable, patient, and attentive to my needs. They took the time to explain all the financing options available to me, ensuring that I could make an informed decision.What stood out the most was their commitment to finding the best possible Car, rates and terms that fit my financial situation. Kristy navigated through the paperwork with ease, making the entire process smooth and stress-free. A couple of times I was feed up and wanted to give up but Kirsty reassured me that this will workout in the end. Thanks to Kirsty's expertise and dedication, I am able to drive away in my dream car with a financing plan that works for me. I highly recommend Kirsty from Happy Motor Finance to anyone looking for a reliable and supportive finance company and representative. Thank you, Kirsty, for your outstanding service! I appreciate You😊
Kane Miller
Kane Miller
Thank you so much for the help and it was fast, easy and straightforward thank you Ali for the help if I could give you a 10 star I would 🌟⭐️
Hashem Ahmed
Hashem Ahmed
As a seller, the whole process was absolutely professional and swift. Would highly recommend and definitely work with again!
Alex Timmins-Jones
Alex Timmins-Jones
Very helpful and a personal touch. 99% of companies just click a button and leave you alone if rejected. Happy actually worked hard to understand my circumstances and make efforts to match. All completed in a couple of days start to finish. They obviously have a unique selection of finance companies on hand to support. Very happy with happy
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Company Name & Contact Details
Happy Motor Finance
Pennington House
16 Carolina Way
Salford Quays
Salford
M50 2ZY
0161 524 0582
Happy Motor Finance Limited is registered in England and Wales under company number: 14387669. Registered office address: Pennington House, 16 Carolina Way, Salford Quays, Salford, M50 2ZY

Happy Motor Finance Limited (FRN - 989250) is authorised and regulated by the Financial Conduct Authority. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

Happy Motor Finance Limited are registered with the Information Commissioners Office under registration number: ZB408604

VAT Number: 456 0212 21
Specialist Automotive Finance Approved
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