Welcome to the Daytona Kia Finance Center
When you shop at Daytona Kia, you gain access to competitive Kia financing rates and Kia leasing offers on our extensive inventory of new Kia models. Even if you plan to drive home to Port Orange in a used vehicle, our team will walk you through the entire financing process to help you get behind the wheel of your next vehicle. You can contact our finance team today with any questions, but if you’re ready to get started now, we invite you to use our secure online finance application before visiting our dealership. We are your go-to resource for Kia leasing and financing in the greater Daytona Beach area so don’t hesitate to reach out!
How To Qualify For Kia Financing
To get approved for Kia financing, the lender will need the following information from you:
- Condition of the Vehicle
- Credit Score
- Age of the Vehicle
- Employment History
- Debt-to-Income Ratio
- Credit History
- Repayment Terms
- Loan Amount Requested
Financing a used car works the same as financing a new model, but if you haven’t yet established your credit or you have poor credit, you may have to pay a higher interest rate than other Ormond Beach drivers who have better credit. That’s why it’s worth the effort to try and improve your credit score before you apply for Kia financing or Kia leasing.
Things To Do Before Applying for Kia Financing
The experts staffed in the Daytona Kia finance center are here to answer all your questions and pair you with the finance or lease option that works best for your budget. You can also use our helpful payment calculator to determine a monthly payment amount you can handle. Below you’ll find a few financing tips to help the finance process flow smoother and have you cruising Holly Hill highways in no time:
- Use our trade-in valuation tool to estimate the value of your current vehicle.
- Remember to factor in the amount for car insurance, fuel and maintenance, and unexpected repairs into your monthly budget.
- Browse our Kia specials for exclusive savings on new and used Kia models.
- Do your best to save money for a down payment. Your down payment amount can reduce your overall loan amount and equate to smaller monthly payments.
- Be certain to make your auto payment on time, every time.
Car Leasing Vs. Financing
While shopping for your next vehicle, you may be faced with the decision to lease or finance, but which route is better? Well, that answer comes down to what’s best for your unique situation. When you choose Kia leasing or choose one of our Kia specials, you agree to drive a vehicle from our dealership for an agreed-upon amount of time and miles and pay for its usage rather than for the full purchase price of the vehicle. You will have a monthly payment based on the car’s projected depreciation value over the course of the lease term, and at the end of the term, you can transition to a different vehicle with a new lease term.
When you opt for Kia financing, you enter into a loan agreement with a bank or other financial institution. The full price of the vehicle is divided into monthly payments, and once you’ve satisfied all the payments, you own the car and can sell it or whatever you wish.
Neither path is better than the other and honestly depends on personal preference. If you’re someone who likes the flexibility of driving a different vehicle every two years or so then leasing is a great choice. But, if you prefer to make a long-term investment, Kia financing is the way to go.
Learn More With the Daytona Kia Finance Center
When you choose Daytona Kia, you’re not just choosing a car dealership – you’re choosing a partner in your car-buying journey. Our finance team is committed to delivering exceptional customer service, tailored financing options, and sound advice to ensure your complete satisfaction. We strive to make your car ownership experience seamless and enjoyable. For additional information, contact us and we’ll help point you in the right direction with our financing information and Kia specials.
Dealer Info
