If you purchased your Kia vehicle with a car loan through Kia Finance, you can make your payments online, by mail, in person via third-party services, or by phone. Some fees will apply to certain payment methods.
If you’re considering a car loan or lease through Kia Finance, you’ll need to know what your options are for making monthly payments. While some methods have convenience fees that apply, each method is relatively straightforward.
Get the rundown on Kia Finance payment details below, and find out how your monthly payments can differ based on the Kia model and loan terms you choose.
Learn more: How to reduce your Kia car insurance costs
How to pay your Kia car bill
There are a variety of different ways to make payments on your Kia vehicle through Kia Finance, including online, by phone, by mail, or in person via third parties. Here are the details that go along with each payment method.
Online
You can easily make online payments by logging into your Kia Finance account. Once you’re signed in, you can make a one-time payment or set up automatic monthly payments to be taken out of a checking or money market account.
If you want to set up automatic payments, you’ll also need to take the additional step of downloading and filling out the autopay enrollment form, following the necessary instructions before returning it.
By phone
It’s also relatively easy to make Kia Finance payments by phone—but be warned: you’ll have to pay an extra fee to do so. Depending on your preference, you’ve got two main options, which come with different costs.
- Automated phone system: (866) 498-4455, $3.95 fee per payment
- Live representative: (866) 644-1350, $7.95 fee per payment
Phone payments are handled by third-party vendor ACI. When you make the call, you’ll need to have your Kia Finance account and banking information on hand.
By mail
Yet another way to make your Kia payment is to send it by mail. Where you’ll need to send your check depends on whether you’re a retail or lease customer.
You’ll need to include your payment and your remit coupon. If you don’t have your remit coupon, you should write your Kia Finance account number on your check.
| Payment type | Mailing address |
|---|---|
| Retail (regular) | Kia Finance America P.O. Box 650805 Dallas, TX 75265-08055 |
| Retail (overnight) | Overnight Mail Address: Kia Finance America Box 650805 1501 North Plano Rd., Suite 100 Richardson, TX, 75081 |
| Lease (regular) | Kia Finance America P.O. Box 660891 Dallas, TX 75266-0891 |
| Lease (overnight) | Kia Finance America Box 660891 1501 North Plano Rd., Suite 100 Richardson, TX, 75081 |
In person
If you prefer to make payments in person, you won’t be able to do so at your Kia dealership, but you do have the option of making your payments through third parties, including Western Union and MoneyGram. Just keep in mind that convenience fees typically apply to these options.
Here’s the information you’ll need to make a payment through Western Union:
- Pay to: Kia Finance America
- City Code: KFA
- State Code: CA
And the following is payment information for MoneyGram:
- Company: KFA
- Receive Code: 3984
Can I make my Kia payments with a credit card?
You can’t use a credit card to make a direct Kia Finance payment, but you can use a Visa or MasterCard with Western Union’s Quick Collect option, but again, certain fees will apply. Here’s the info you’ll need to make a Western Union Quick Collect payment:
- Payee: Kia Finance America
- City Code: Kia
- State Code: CA
Is there a grace period for Kia car payments?
Kia Finance typically has a grace period of seven to 15 days before applying penalties for overdue loan payments, but you’ll want to verify your own financing details to be sure. If you know in advance you may have trouble making your payment on time, you can request a one-month deferment via your Kia Finance account.
How much are Kia payments?
How much your Kia payments cost will largely depend on your loan terms.
For example, a 72-month term will come with lower monthly payments than a 60-month loan, but you’ll pay more in interest over time on the former option. Car loans for used vehicles usually have higher APRs than those for new cars, but their lower overall values can often help compensate when it comes to monthly costs.
Kia’s have a reputation for affordability, and with starting MSRPs ranging from $16,550 to $52,785 on the 2023 lineup, there’s a range of options for drivers who are looking for manageable monthly payments, as well as for those who have room in their budgets to splurge on some additional features.
The table below shows what an average car loan payment could look like for models across Kia’s 2023 lineup. To reach the average monthly payment here, we’re using the base trim MSRP with a 10% down payment, a 72-month loan term, an estimated 6% sales tax, and a 4.9% interest rate (the average rate for new car buyers with a credit score between 661 and 780).
| Model | MSRP range | Average monthly payment |
|---|---|---|
| 2023 Kia Soul | $19,790 – $24,090 | $297 |
| 2023 Kia Forte | $19,490 – $24,890 | $293 |
| 2023 Kia EV6 | $48,500 – $48,500 | $728 |
| 2023 Kia Seltos | $22,840 – $28,640 | $343 |
| 2023 Kia Sportage | $25,990 – $36,790 | $390 |
| 2023 Kia Carnival MPV | $32,900 – $46,000 | $494 |
| 2023 Kia Telluride | $35,690 – $52,785 | $536 |
| 2023 Kia Niro | $26,490 – $34,790 | $398 |
| 2023 Kia Sportage Hybrid | $27,290 – $42,990 | $410 |
| 2023 Kia Sorento | $29,990 – $43,590 | $450 |
| 2023 Kia Niro EV | $39,450 – $44,450 | $593 |
| 2023 Kia Rio | $16,550 – $17,190 | $249 |
| 2023 Kia K5 | $25,090 – $31,490 | $377 |
What exactly your own Kia payment will depend on a variety of additional factors, including:
- The vehicle sale price
- Your down payment amount
- Your credit score
- Your current car’s value if you trade in
- Any applicable discounts or incentives you qualify for
FAQ
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What is the lowest credit score Kia will finance?
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Melanie Mergen is an insurance writer with more than 8 years of writing, research, and editing experience. She’s covered topics like car insurance, home insurance, finance, and car ownership for Jerry. Her mission in doing so is to help people secure and protect their most important assets while making the best possible use of their finances.
Prior to joining forces with Jerry, Melanie worked as a freelance content writer and editor, a teaching artist, and journalist. She received her Creative Writing MFA from Columbia University.
Jessica Barrett is a senior insurance writer and editor with 10 years of experience in the automotive and travel industries. A specialist in car insurance, car loans, and car ownership, Jessica’s mission is to create comprehensive content that car owners can use to manage their costs and improve their lives. As a managing editor for a team of writers and insurance specialists, Jessica has edited over 2,000 articles for Jerry on topics ranging from local insurance shopping tips to refinancing car loans with bad credit. Before joining Jerry as a senior content editor in 2021, Jessica created visual content for clients such as Expedia, Vivid Seats, Budget Direct Car Insurance, Angie’s List, and HomeAdvisor. Her content was published in Business Insider, Forbes, Apartment Therapy, and the BBC.
