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Kia Finance

Motor finance can be confusing so let us help demystify the subject! Watch our videos and gain an understanding of the different types of car finance available, as well as the benefits of using specialist motor finance to fund your next car purchase. We will contact you for a mid term review, at which point there are options to upgrade your vehicle. Watch the videos below to find out more.

When you're ready, visit our sales teams in our showrooms at JCB Kia Rainham, JCB Kia Ebbsfleet or Ashford Orbital Kia and we can help you choose the finance option that suits you best.

Why Use JCB Kia Finance?

There are many reasons to use JCB Kia to fund your next vehicle purchase. This video will tell you why, in plain English.

What is PCP?

A Personal Contract Purchase is the most common way of purchasing a new car in the UK but is increasing in popularity for buying a used car. The benefits include;

  • Afford a more expensive car
  • Lower your monthly repayments
  • Reduce the length of your agreement
  • Change your car more regularly
  • 36 - 49 month options on repayment
  • Flexible end of agreement options, such as keep your vehicle, part-exchange for a new one or return the vehicle.
  • Easy budgeting with fixed interest payments
  • Add in options like accessories or service plans

What is PCH?

Personal Contract Hire or PCH is a way of leasing a vehicle without having to own it. At the end of the agreement you can hand back the car or van, *as long as you have serviced and maintained it in line with your agreement. The main things to consider are:

  • You lease and don't own the vehicle
  • The agreement is for a fixed period of time or 'term'
  • There is a fixed monthly cost
  • If the annual mileage allowance you agreed at the start of the term is exceeded, you will have to pay an excess mileage charge
  • You can have maintained or non-maintained agreements. That is, if you do or don't want to include the service and maintenance costs
  • At the end of the term you can return the vehicle* and can start another agreement on a different one
  • You need to maintain your vehicle in good condition otherwise you may incur charges at the end of the agreement
  • Road tax is usually included in the agreement

What is HP?

Hire Purchase is the traditional way of funding a vehicle purchase. There are several benefits to using secured finance to pay for your new car rather than using an unsecured personal loan, your savings or your mortgage.

Contract Hire

We also do Contract Hire for personal or business use. For peace of mind motoring - ask in the showroom for the finance option that suits you.

Our website has some fantastic new features to help you find and finance the perfect used car:

  • Have a particular price range in mind? Use the powerful “Budget” search tool to search our stock based on your monthly budget.
  • Looking for a particular car but don’t know if you can afford it? Use our “Vehicles Search” on the left hand side to find your car and see accurate finance quotes displayed next to it.
  • Use the adjustment bar to tailor the finance quote to a monthly payment you feel comfortable with.
  • A longer contract period, a larger deposit and lower annual mileage will all make your monthly payment lower.
  • Remember that the value of your part exchange can be used as part or all of your deposit. If you are currently in a finance agreement, give us a call and we can give you a cash value that you can use as a deposit to fund your next car purchase.

Take the next step

Apply for finance online, have the quote emailed to you or just pick up the phone to book a test drive or have a chat.

Mid Term Review

Call us at any time to review your finance agreement. We will always contact you for a mid term review, during which you might want to upgrade or change your vehicle. Watch this video to know what to expect.