Getting car financing can be tough for some people, particularly if you don’t have the best credit score. It’s sometimes not a walk in the park for people with great credit scores, either, as weighing your financing options from various lenders can be time-consuming. The process is simplified if you seek financing through the Kia dealership instead.
5 Reasons to Finance Your 2025 Kia at Your Kia Dealership
1. It’s Very Convenient
Shopping around for a loan takes time. You have to visit different banks to get different offers by yourself. That means a lot of time spent traveling from place to place or going on different lenders’ websites and filling out multiple applications. Getting financing from your dealer eliminates all those steps, as your dealer does everything for you. You fill out a single application, which is sent off to multiple lenders, and that’s it.
2. It’s Got Less Paperwork Than Other Financing Options
When applying for a loan through a bank or credit union, you often have to fill out lots of paperwork throughout the process. When applying for a loan from your local dealership, there’s a lot less of that. If you apply for a loan and get pre-approved online, then the bulk of your work is done. There’s also very little paperwork to sign once you get the financing for your car.
3. It’s Great for People with Poor Credit
Acquiring a car loan from a bank or credit union can be very difficult when you have poor credit. You may not be able to qualify for one at all depending on your credit score. It’s typically easier to get approved for financing when you apply at a dealership, as dealerships are a little more lenient and often approve loans when people with lower credit scores.
4. It’s Got Incentives If You Have Excellent Credit
People with excellent credit can also benefit from getting a loan through a dealership. You’ll sometimes come across special offers from dealerships offering loans on certain vehicles with little to no interest. If you have a great credit score, then you may qualify for one of these low/no-interest loans.
5. It’s Fantastic If You Don’t Like Limits
Banks and credit unions sometimes require you to choose a car sold by a specific dealership or a selection of dealerships they have pre-existing business relationships with. This can limit your options, especially if none of those dealerships have the car you want in stock. If you pick the car you want first and then apply for financing through your dealership, then you have a much better chance of getting the exact car you desire.
Want to speak to someone from our finance department? Visit Team Kia in Johnstown, PA today.
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Warranties include 10-year/100,000-mile powertrain and 5-year/60,000-mile basic. All warranties and roadside assistance are limited. See retailer for warranty details.