KIA Product Information

Finance your car online with Fiskens

With our flexible financing solutions, you’ll find it easier to pay for the vehicle you most want, whether it’s a brand-new or high-quality used Kia.

Are you ready to begin?

Discover your ideal Kia model today by browsing our new and used car ranges. When you see a car you like, click on it – and use the finance calculator on the right-hand side of the vehicle information page. This will enable you to calculate a deal that suits your budget.

Happy with your prospective finance solution?

It’s time to apply online for finance with Fiskens. Before you do, please make sure that you read and understand the terms of your agreement. For instance, applying for finance may result in a hard credit search. If you have any questions at all about your finance agreement, please don’t hesitate to contact us. We’re here to help.

Once you’ve submitted your application online, we’ll soon be in touch to confirm details of your request.

What is Personal Contract Purchase (PCP)?
PCP is a popular financing solution that requires the payment of a deposit followed by fixed monthly payments over an agreed length of time. At the start of the contract, the lender calculates a final, optional payment based on how much it’s estimated it will cost you to own the car at the end of the agreement. This final payment is known as guaranteed minimum future value (GMFV) or a ‘balloon’ payment. Before making the final payment, you have three options:
1. Make the payment, keep the car
2. Decline the payment, hand the car back, walk away with nothing more to pay
3. Begin a new PCP agreement by putting the resale value towards a new car

Will I be approved for Finance?

It depends on your credit history. If your credit score is good, you’ll almost certainly be approved. If it’s not the highest, there are ways toimprove your credit score.

Can I get car finance even if I have bad credit?

Yes, even with bad credit it’s possible to get car finance, although you’ll need to demonstrate your ability to pay, and you may have to settle for financing that comes with increased interest rates.

What is APR?

APR stands for annual percentage rate and it includes interest plus any administration fees.

What is the difference between a soft credit search and a hard credit search?

What is Hire Purchase (HP)?
Hire Purchase (HP) is popular with motorists who go into a finance agreement knowing they want to come out of it owning a car. As with PCP, HP requires the payment of a deposit, followed by fixed monthly payments. However, there’s no large, optional payment at the end. When you pay the final monthly instalment, the car is yours to keep.

Will I be approved for Finance?

​If you have a good credit score, almost certainly.

Can I get car finance even if I have bad credit?

With HP, you stand a good chance of getting car finance, even if you have bad credit. However, you might not get the best possible deal because higher interest rates may be applied.

What is APR?

​Annual percentage rate (APR) includes interest and admin fees, thus enabling you to see what you’re required to pay on an annual basis.

What is the difference between a soft credit search and a hard credit search?

We have trained finance specialists within all of our dealerships who pride themselves in offering outstanding customer service and assisting customers in finding the right funding solution to suit their pocket and individual circumstances.
With clear agreements and competitive finance packages available to suit your needs, we're confident we can help you get something special on your driveway.

Finding the right purchasing agreement is as important as selecting the right vehicle.

With this in mind, we have designed a number of attractive finance packages to make things that much easier.