3 Reasons to Finance Your 2025 Kia at Your Kia Dealership

Now you’ve chosen the Kia you want, it’s time to find someone to finance it. While you could go to a bank or credit union, as your Kia dealership, we’re going to tell you some of the major reasons why we’re the best choice for your financing options.

3 Reasons To Choose Your Kia Dealership for Your Financing Options

More Loan Options

If you apply for an auto loan with a bank or credit union, you’re limited to the loan options they provide. Loan terms are decided by their head office. If you’re refused a loan at one branch, their other branches will also refuse if you apply to them. You also can’t negotiate terms, so if you’re unhappy with any part of the deal, you’ll have to apply again at another institution.

When you apply for a loan through us, we submit your application to a pool of specialized auto lenders, each of which has its own loan criteria. These lenders are willing to negotiate terms, as they compete with each other to offer you a loan. We can also assist you by negotiating on your behalf to secure the best deal for you.

One-Stop Shopping

These days, we’re used to quick decisions and solutions. Unfortunately, this doesn’t apply if you go to a bank or credit union for a loan. These institutions aren’t in a hurry to make a decision, especially since auto loans are only a small part of their investment portfolios. If they approve a loan, you’d then need to visit us to choose your vehicle and complete the sale.

When you apply for a loan through us, the process is seamless. Once you submit your application, we send it to our pool of loan providers, as we saw above. They’ll email you their offers, and once we choose the deal that works for you, your new Kia will be ready and waiting for you. You can even complete the whole process without visiting our dealership, as we can deliver your Kia to you and complete the paperwork at your home or office.

More Understanding

If you have good credit, banks and credit unions are more likely to offer you a loan, and you may qualify for a lower interest rate. If your credit is average or lower, they’re likely to show you the door. These institutions make their decision based on your credit, not your ability to repay an auto loan.

Our loan providers also take your credit score into account, but since they specialize in auto loans, they can tailor a loan package for you that will increase your credit score as you repay your loan.

Contact our finance department today at Kia of Marin in Novato, CA.

Tags: auto finance, financing options for me, kia dealership near me, Kia finance
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