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Good credit, challenged credit, first-time buyer. Apply online in minutes and drive home in your next Kia.

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$42,000
$5,000
$0
5.9%
Estimated Monthly Payment
$0/mo
Amount Financed$0
Term72 mo
Total Interest$0
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Estimates are illustrative and not an offer of credit. Actual terms depend on creditworthiness, lender and vehicle. Excludes tax, tag, title and dealer fees.

The Finance Team

Why Finance With Sunshine

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2-Minute Pre-Qual

Soft credit check with no impact to your score. Know your terms before you visit.

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All Credit Welcome

We work with Kia Finance and 20+ lenders to find the right fit for every situation.

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EV Incentive Help

Our team walks you through federal and Florida EV incentives you may qualify for.

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Our Lending Partners

20+ Lenders, One Application

Kia Finance
Chase Auto
Capital One
Ally
Wells Fargo
SunTrust / Truist
Bank of America
Local Credit Unions
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Your Trade Is Worth More Here

Get a real market offer in minutes and apply it instantly toward your next Kia. Bring it in or start online, your call.

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Questions

Financing FAQ

Will applying hurt my credit?
Our pre-qualification uses a soft credit pull, which does not affect your score. A full application for a specific vehicle may involve a hard inquiry, and we will always tell you before that happens.
Can I get financed with bad or no credit?
Yes. We work with a wide network of lenders and specialize in helping challenged-credit and first-time buyers find a workable payment. Bring proof of income and residence to speed things up.
Do EVs qualify for tax credits?
Many Kia EVs may qualify for federal and state incentives depending on your income, the vehicle and how you acquire it. Our finance team will walk you through current eligibility, but consult a tax professional for your specific situation.
Should I lease or buy?
Leasing typically means lower monthly payments and a new vehicle every few years, while buying builds equity and has no mileage limits. We will run both side by side so you can decide what fits your driving and budget.