Secure Auto Financing at Green Kia in Springfield, IL

The Kia brand has emerged as one of the most dependable manufacturers for prospective car buyers in Springfield, IL. When new Kia models arrive at Green Kia each year, our finance center associates rise to the occasion and help car buyers figure out the most financially sound method to finalize their purchase. You have three options to settle the sales price of a new vehicle: An outright cash purchase, getting a car loan, or signing a lease agreement. We will review how each of these options works so that you can decide which one fits your budget, lifestyle, and financial goals.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Consider Kia Financing Through Auto Loans

Most Kia drivers take out car loans for their new, used, or certified pre-owned models. In the United States, Kia Motors Finance works with a network of financial institutions that include credit unions, banks, and specialty lenders. In some cases, prospective buyers check with their banks to see if they qualify for loans; however, you can complete this step at our dealership and bypass additional paperwork. We also offer new and used specials to help you extend your savings.

Although car loans are more common for new Kia models, you can certainly apply to finance certified pre-owned or used models as well. The car secures the loan, meaning that drivers sign a financial agreement authorizing the lender to repossess the collateral vehicle in case of default. You can visit our finance center to complete an application or apply online using our tools. The loan amount, interest, and monthly payments will depend on a variety of factors, such as credit scoring, income, and current debt obligations. Contact us to learn more about our loan opportunities.

We Make Signing a Kia Lease Easy

Car lease programs have been around for more than three decades, and quite a few Kia enthusiasts around Virginia, IL prefer this option. Most of the Kia Sportage SUVs we carry leave our dealership through leasing agreements. Unlike a car loan, a lease contract does not imply an element of ownership, which means that you will have to return the Kia SUV or car at the end of the lease term.

You may be able to negotiate the value of a Kia lease contract and move them more in your favor with a larger down payment. To a certain extent, leasing a Kia is almost like renting it, but you will have a responsibility to keep the car in reasonable mechanical condition and under the stipulated mileage. In general, Kia lease contracts result in lower payments stretched out between 24 and 48 months, and they are often sought by drivers interested in more upscale models and pricier trim packages. We encourage you to visit with our team if you'd like to learn more about our lease offers.

You Can Buy a Car Outright Without Financing

If you are interested in a new or used Kia, and if you have enough money to cover the negotiated price in a single transaction, members of our finance team will help you with the wire transfer and all the paperwork you will need to take clear ownership of the vehicle. Unlike borrowing or leasing, a straight purchase will culminate in a title that is solely in your name and without encumbrances.

Meet Your Financial Goals at Our Springfield Kia Dealership

The Green Kia finance center should be your first point of contact whenever you have questions about your financial ability to get a Kia. Many of our customers inquire about whether car loans or lease agreements are better for them. This scenario will depend on the car you want, your budget, your current financial situation, and future financial goals. Please feel free to contact our dealership near Decatur with any inquiries related to financing your next Kia purchase.

Frequently Asked Questions

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
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Welcome to Our Financing Department

Financing Made Simple for Your New or Used car or SUV

We know that you love Kia models, and we can understand the appeal. These models are known for their longevity and style, plus they're affordable so our Decatur, Petersburg IL and Virginia IL customers can make the most of their busy schedules. If you have found a model that suits your needs, or you are just beginning your quest, consider what your financing options might be.

Should Your Invest in a New Kia Lease or Loan?

Will you lease or buy your Telluride, Sportage, Forte, K5 or Rio? Have you had your eyes on a specific car and want to know what you qualify for before you come in for a test drive? If you think a lease is right for you because you like the idea of trading it in every few years for a new one, we can help. If you want to own your car or SUV one day, then we'll help you get the right loan terms to buy.

The Green Kia finance team

The Green Kia finance team is ready to help clear the smoke and mirrors around auto financing so drivers can buy or lease a vehicle with confidence! Our in-house finance team will work with drivers to breakdown the numbers, explain all the tricky wording, and answer any lingering questions. Want to get an early start? Drivers can fill out an online finance application! After submitting the completed finance application, Decatur, Petersburg IL and Virginia IL drivers can look forward to a Green Kia finance team member contacting you to go over the details.

Your privacy is important to us.

Green Kia takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Green Kia

    3861 Wabash Ave
    Springfield, IL 62711

    • Sales: (217) 525-1222
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Get in Touch

  • Contact our Sales Department at: (217) 525-1222
  • Monday9:00AM - 7:00PM
  • Tuesday9:00AM - 7:00PM
  • Wednesday9:00AM - 7:00PM
  • Thursday9:00AM - 7:00PM
  • Friday9:00AM - 7:00PM
  • Saturday9:00AM - 6:00PM
  • SundayClosed