The Best Financing Option for You

Choosing to finance or lease a new car is a major decision, and the friendly finance team at Hilltop Kia in Richmond, CA, is here to help. Our team knows the pros and cons of financing and leasing. They will listen to your budget needs and help you choose the option that fits. Before making your choice to finance or lease your next Kia, it’s helpful to know how financing and leasing vary.

Why Lease a New Kia

Leasing is a great choice for people who prefer to have a new Kia car, SUV, or EV every two or three years and appreciate having a new car warranty during that time. Leases tend to have the lowest monthly payment options, but those come with limitations on mileage and customizations. Those low monthly payments are based on the residual value of the car - what the car is worth at the end of the lease. If you exceed the mileage limit or customize your Kia, the leasing company will assess a fee when you return the car at the end of the lease.

New Kia leases are only available for new cars. Drivers around Walnut Creek and Oakland enjoy leases because they get the newest cars with the latest technology upgrades. As most leases last for 24 or 36 months. Drivers also get the benefits that come from having a new car warranty throughout their lease terms.

The Benefits of an Auto Loan

The other financing option is the traditional auto loan. These are great choices for people who want affordable monthly payments without any restrictions. Lenders offer auto loans with a variety of terms - the longer the term, the lower the monthly payment.

At Hilltop Kia, we work hard to find financing for everyone, and auto loans are often the best choice for drivers with credit problems. Our team works hard to find loans for everyone, so they explore lending options from national lenders as well as from local banks and credit unions.

Convenient Online Financing Services

Whether you decide to finance or lease your next Kia through Hilltop Kia, you can use our convenient online services to speed up the lending process. Before you choose the financing option that fits your budget, we recommend completing our pre-qualification application. This application will tell you what monthly payment fits your budget, then you can explore our Kia inventory to find the model and trim that fits that price.

While you’re visiting our website, check out the newest Kia specials for great rates and terms on new Kia leases and loans.

Chat With the Helpful Financing Team at Hilltop Kia in Richmond, CA

We invite you to browse our inventory of new Kia cars, SUVs, and EVs on our website, then visit our dealership in Richmond, CA, to take a test-drive and chat with our finance team. We’re confident you’ll appreciate the exciting new Kia vehicles and the financing options available at Hilltop Kia.