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Kia Finance

Regardless of the new or used Kia you wish to buy, we at RRG Kia will be able to find a purchasing plan to match your needs. Through Hire Purchase and Personal Contract Purchase agreements, you’ll be able to drive away in one of our exceptional models for fixed repayments that suit your budget.
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What is Personal Contract Purchase (PCP)?
A Personal Contract Purchase plan enables you to benefit from low monthly repayments and the flexibility to change vehicles on a frequent basis. Unlike Hire Purchase, you’re only paying the depreciation in value of the model from the sale price to the Guaranteed Future Value. At the end of the term, you can then return the vehicle with nothing further to pay, or pay the optional balloon payment in order to become the owner outright.

What are the advantages of PCP?

  • Fixed, affordable monthly repayments
  • Flexibility to return the vehicle or buy outright
  • Any equity accrued between the vehicle’s value and Guaranteed Future Value can be used as a deposit on another vehicle

What should you consider when opting for PCP?

  • You will not be the outright owner of the vehicle at the end of the term
  • Annual mileage restrictions mean any excess miles will be charged as an added extra
  • You will be unable to sell the vehicle without first settling the agreement in full

Can I settle my PCP agreement early?

Yes. However, when requesting an early settlement figure from the financing company, you should be aware that any negative equity - i.e. the difference between the vehicle value and Guaranteed Future Value - will also need to be paid.



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What is Hire Purchase (HP)?
Hire Purchase is arguably the most popular vehicle purchasing scheme around. You are required to pay a deposit followed by fixed monthly repayments that settle the outstanding balance. At the end of the agreement, you are the full owner of your chosen vehicle. Easy.

What are the advantages of HP?​

  • Full ownership of your Kia vehicle at the end of the contract
  • No mileage restrictions or additional mileage fees
  • Spread the cost of vehicle ownership into manageable payments

What should you consider when opting for HP?

  • Monthly repayments are often more expensive than PCP arrangements
  • You will not be the outright vehicle owner until all payments are complete
  • You cannot sell the vehicle without first settling your agreement
  • Servicing and maintenance requirements should be fulfilled according to the terms of the agreement

Can I settle my HP agreement early?

You can. Simply liaise with your finance company and ask for an early settlement figure. This will include any difference in value between the vehicle’s worth and the current balance outstanding.



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What product is best for me?

Choosing to purchase a new or used Kia through RRG Kia means investing in a high-quality model for a price that is competitive. Our purchasing plans are flexible to your needs, meaning you can find a solution that best suits you. Simply get in touch with a member of the team to discuss the available options now, and we’ll be happy to answer any questions you may have. ​

Why Buy Online?
Why Buy Online?
If you're looking for your next vehicle, our teams across the country will be happy to assist to help meet and exceed your requirements. Buy or reserve your next vehicle online today. Why Buy Online?