KIA Motors in collaboration with leading Russian banks presents the KIA Finance car loan program (KIA Finance), within which quite attractive car purchase offers are available KIA on credit. Minimum interest rate for a car loan is 8% per annum, and the maximum loan term is 7 years. Let's take a closer look at the conditions of partner banks.
Minimum size The down payment on a car loan is 10% of the value of the car. The interest rate on a loan depends on a number of factors. The main proposals are presented by the programs of the following banks:
All KIA loans are provided for a maximum term of 5 years. Gazprombank offers a program with a credit limit of up to 7 years.
The offer is valid in cooperation with VTB 24 bank, which offers an interest rate from 15% to 17% per annum, depending on the size of the down payment and the loan term. The maximum loan amount is 750 thousand rubles. There is a ban on early repayment - at least 3 months from the start of the loan agreement. Minimum amount early repayment- 3 thousand rubles.
A similar loan offer for KIA is also valid at Gazprombank. The interest rate ranges from 15% to 16% per annum with an initial payment of 15% of the cost of the acquired vehicle. Commission for issuing a loan - 5.5 thousand rubles. Monthly commission missing.
When applying for a loan within the framework of KIA Finance, the borrower will be provided with a fairly large selection of lending programs from various banks. In addition to the standard car loan terms, VTB 24 and Gazprombank offer accelerated options for considering an application.
An approximate calculation of monthly payments can be seen on the example of buying a Kia Sportage car in the salon of an authorized dealer.
However, to get really favorable conditions for KIA loans, you will have to provide a full package of documents, including a certificate in the form 2-NDFL, confirming the borrower's income. As for interest rates, they are somewhat lower than similar offers of banks for car loans on a general basis. However, if we compare them with the programs for obtaining loans from competitors, then KIA Finance is inferior in some cases.
And Kia Sportage Kia Sportage.
New KIA program Easy! this is not only a chance to become the owner of a new car, but also an opportunity to take advantage of the program:
For example:
KIA Rio from 251 rubles per day*, down payment 36%, monthly payment 7,525 rubles per month*
KIA ceed from 328 rubles per day*, down payment 37%, monthly payment 9,844 rubles per month*
KIA Sportage from 479 rubles per day*, down payment 45%, monthly payment 14,388 rubles per month*
At the end of the loan term, the car owner has 3 options:
Option 1. Give away an existing car under the trade-in program. The value of the car will be much higher than the Bank's guaranteed minimum residual value, provided the car is in good condition. This difference can be used as a down payment for a new car.
Option 2. Extension of the loan for another 2 years, or payment of the residual value immediately.
Option 3. Give the car to the Bank at a guaranteed residual value, and thereby close loan program.
Monthly payment - 7 525 rubles. by Kia Rio / 9 848 rubles. according to Kia Sid / 14 388 rubles. according to Kia Sportage, calculated according to the terms of the KIA program Easy! (for Kia Rio and Kia Sid, taking into account the state program of preferential car loans) loan product: "PARTNER: EASY" and "PARTNER: EASY without GP" of the "Partner" tariff plan of the "Classic" program, based on the parameters: 1) Kia Rio - price of KIA Rio 1.6 6MT Comfort + Air conditioning manufactured in 2016 621,900 rubles, amounts loan 450,755 rubles, loan term 36 months, down payment: 36%, interest rate 8.9% per annum; 2) Kia Sid - the price of KIA Sid 1.6 6MT Comfort, manufactured in 2015 is 839,900 rubles, the loan amount is 599,250 rubles, the loan term is 36 months, down payment: 37%, interest rate 8.9% per annum; 3) KIA Sportage - price of KIA Sportage 2.0 6MT Comfort 2016 production 1,354,900 rubles, loan amount 843,935 rubles, loan term 36 months, down payment: 45%, interest rate 12.8% per annum, with voluntary personal insurance life and health of the borrower by the date of conclusion of the loan agreement for an amount not less than the amount of the debt to the creditor under the loan agreement (in total amount debt does not include payments related to the non-fulfillment by the borrower of the terms of the contract), reduced by the amount of the fee for such insurance, for a period of at least one year. This insurance is provided for the entire term of the loan. Insurance is carried out in insurance companies that meet the Bank's requirements for insurance companies and insurance conditions. In the absence of such insurance, the interest rate on the loan is 12.67% per annum for Kia Rio and Kia Sid, 18.5% per annum for Kia Sportage. The offer is available to applicants who have documented income. Guaranteed residual value of the car (part of the cost of the car payable at the end of the loan term, but not necessarily from own or borrowed funds, possibly from the sale of the car to a dealer) 45% of the price of the car at the time of purchase. It is obligatory to issue a CASCO policy. Collateral: pledge of the purchased car. The loan is provided by "Cetelem Bank" LLC, licenses No. 2168 (perpetual) (named in the text - "Bank"). Not an offer. The terms and conditions may be changed by the Bank in unilaterally. Detailed terms lending on the Bank's website www.cetelem.ru, from managers at KIA dealerships and on the website www.kia.ru.
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Buying Kia cars on credit under a special program from the manufacturer will be quite profitable. The KIA Finance program is a joint program of KIA Motors Rus and four Russian banks.
Participants of the Kia Finance program:
When applying for a loan in the listed banks, the borrower receives attractive conditions in the form of a discount on the price of the car.
The purchase of KIA cars is subject to state car loans, which allows you to get a loan at a reduced rate.
By providing additional discount from the manufacturer, the marketing rate may be zero, i.e. the cost of the loan will be comparable to the costs if the car was purchased at a retail price.
But at the same time, all banks operating under the KIA Finance program require funds for an initial contribution of 10-15% and compulsory insurance machines from and damage.
8 models of the KIA brand fall under the state subsidy program:
The marketing rate in this case will be 5.5%. At the same time, the real rate loan agreement will be different. But this calculated value, taking into account the discount in the price from the manufacturer, will correspond to an overpayment at this percentage if the car was purchased at a retail price.
These special conditions are valid when applying for a car loan through representatives of Gazprombank of an official dealer.
These are also special conditions for a car loan through Gazprombank, but for a limited number of models:
If a number of conditions are met, such as a loan term for the first 3 models up to two years, and for the last up to a year, and an initial payment from 27.1% to 49.36%, the marketing rate for this transaction will be zero.
Since the entire overpayment on the loan will be offset by the manufacturer's discount. This offer is a symbiosis state program and discounts from KIA Motors Rus. As a result, there will be no difference for the client when purchasing a car on credit and purchasing it in cash.
KIA Sportage through Gazprombank can be purchased at a marketing rate of 4.9%, this model has a separate promotion. The difference will be that for cash there will be a discount of 50,000 rubles, and when buying on credit, the discount is taken into account in the declared rate.
The real rate will be equal to 10.25% per annum. This is an option for obtaining a car loan from the age of 18.
At the same time, CASCO is issued through insurance company VSK at the rate of 3.5%.
It is worth considering that an initial payment of half the cost of the purchased car will be required.
If you rent a KIA car or another brand, then the discount:
When transferring a KIA brand to a car dealership, the discount can be the maximum of those indicated, otherwise the discounts are on average half as much.
Under the program "Easy Payments" special offer to buy a KIA Quoris car. Loan payments are half as much, as the payment schedule will be non-standard.
During the year, only interest on a car loan is paid, and once a year the main debt is paid off. At the same time, partial early and full is not limited.
Credit Europe Bank also has an interesting program in which the purchased car does not become a pledge of the bank.
The program is called "Easy Choice!", and its rates are higher than other Kia Finance offers, but still lower than consumer loans. In this case, the loan is targeted, but without collateral.
The conditions in the partner banks of the program are characterized by the absence of additional commissions and the possibility of falling under a low marketing rate, subject to a number of conditions in terms of terms and down payment.
Even more profitable option is a combination of a program from the manufacturer and a program of preferential car loans - 50 modifications of 8 KIA models are suitable.
Making a car loan under such conditions is much more profitable than. But still, if you do not want to leave the car as a pledge to the bank, then there is a way out - a loan program from Credit Europe Bank "Simple Choice!", Which is something between a car loan and consumer credit. The richest choice of design options for KIA cars at Gazprombank.
KIA is a Korean car manufacturer. This brand is very popular among Russian motorists. The range of KIA models is very diverse and includes the most popular classes of urban cars, including compact, small, SUVs, minivans and executive cars. In this article, we will take a closer look at each class of KIA brand cars, and also get acquainted with the KIA Easy! program that has entered into force. Reviews below.
For convenience, we will present car classes in ascending order of price and, accordingly, status.
One of the manufacturer's most popular class of cars. There are only two models in the class - Picanto and Rio. The cost of the first one starts from 500 thousand rubles. It is produced in five-door and three-door version. This is ideal for city driving. It will pass even in the narrowest part of the yard and allows you to maneuver in traffic jams. The design is authentic and catches the eye of passers-by. "Picanto" can be equipped with a 1 or 1.2 liter engine with a capacity of 66 and 85 horsepower. The three-door hatchback can be equipped with an automatic or manual transmission. The interior design can be selected depending on the individual taste of the buyer, which is a distinctive moment of the policy of the KIA company from others.
"RIO" is becoming increasingly popular not only in Russia. Among the models there is a hatchback and sedan option. New design gave the car a bit of a sporty look. Engines can be 1.4 and 1.6 liters in 107 and 123 horsepower respectively. Gearboxes can be either automatic or mechanical. Reviews about the program "KIA easy!" are available in large quantities.
The main car of this group, of course, is the "Sid", which represents a very diverse range. The main model is a five-door hatchback of a rather bold design. This model has gone through two restyling and has acquired many additional improvements. The Sid SV model is produced in a station wagon body.
The second restyling led to the appearance of the three-door "Kia Sid Pro". For both models, five- and three-door sports versions were also produced, which are identified by the addition of the letters "GT". The cost of the latter starts from 1.2 million rubles, however, their functionality is wider. They are equipped with 1.6-liter turbocharged engines with a capacity of 204 horsepower. That is, in addition to the standard five-door hatchback, this model range consists of four modifications.
There is also another model in this class - the Serato, which is essentially a Sid, but in a sedan-type body. Before restyling, the car was produced in a coupe-type body. This model is produced in three trim levels: comfort, luxury and prestige. In the maximum version, the price of a car starts from 1.1 million rubles. According to customer reviews, the credit program "KIA is easy!" very popular.
It is represented by two models of executive class cars "Optima" and "Quoris". The first one is not particularly pretentious and luxurious, it is quite an ordinary business class car. By appearance close to Rio. However, their similarity is deceptive. The cost of "Optima" starts from 1.2 million rubles. The second model of executive cars of the KIA brand is Quoris. This is a large and comfortable car. Perhaps only Hyundai Ekus can become a competitor to him in Korea. Korean automakers have learned how to make really business class at a relatively low price - from 2.4 million rubles.
This class is represented by only one Venga model. It is small in size, comparable to the Picanto, but quite spacious inside. The cost is from 800 thousand rubles. Reviews about the program "KIA easy!" are of interest to many.
The most popular crossover brand "KIA" is "Sportage". The increased demand for this car is created by its low price, comfort and good quality. "Soul" is the youngest in the line of crossovers and, due to its angular shape, more like a minivan. The car is quite unusual, but, unfortunately, underestimated and rarely bought. Sorento has been produced for a very long time, it is a veteran of KIA. There have been more than one generation of these cars and several restylings.
There is also a luxury version in the line of models, namely “Prime”. Mojave is the flagship of the Korean auto industry among SUVs. In the simplest configuration, its price starts from 2.3 million rubles. It is considered a big car and feels confident on any roads and surfaces, under any conditions, even off-road. What do the reviews say, is it worth taking the KIA Easy! automobile? Let's figure it out.
Since mid-June 2016, KIA representative offices have launched a new loan program in St. Petersburg and Moscow, bringing together the efforts of KIA Finance and Cetelem Bank. A loan called "KIA is easy!" based on a residual value guarantee. You can get it for the purchase of the most sought-after and popular Rio and Sid models. The purpose of this is to attract new client base thanks to the availability of payments. Action for issuing a loan "KIA easy!" will give customers the opportunity to purchase additional options or accessories without a significant increase in the amount of the monthly payment. This rule also applies to the choice of vehicle equipment, since the program allows you to purchase a package of options that is better than for cash. Feedback on the credit program "KIA easy!" this is confirmed.
Unlike conventional lending programs, "KIA is easy!" has three significant advantages. These include:
The loan term is 2 or 3 years under the contract. Once this period has passed, the buyer has two options:
Alex Gurin, Sales Director of KIA Finance, called the new lending program "KIA easy!" a key tool to maintain the level of sales in the second half of 2016 at high level. The launch of the program was a successful step on the part of KIA, along with the emergence of new models. The car loan program from KIA presents profitable proposition for multiple customer groups. The conditions of the program are understandable and attractive even for those buyers who have not thought about buying a car, especially with a loan. And for more experienced motorists, the program is interesting in that it provides the opportunity to choose a more complete set or a car of the highest category than the one considered initially. "Kia is easy!" helps customers to update the car more often, which significantly increases brand loyalty.
The new car loan program does not apply to the entire range of cars of this popular Korean brand, but only to two models: and. Actually, these cars are already selling relatively well, they have been in the top ratings of brand cars for several years.
New car loan offer Kia Easy!” is provided by the official partner of Kia Finance - “Cetel Bank”. " Kia Easy!"will allow the motorist, without a significant increase in the amount of monthly payments, to purchase additional equipment for the selected model, or even claim a car in a more expensive configuration than the one for which they had enough money at the time of purchase. 
"Kia Easy!" has some advantages when compared to a standard car loan car loan Kia Finance and Cetelem Bank. The first one is a 20% down payment. The second advantage is that the monthly payment for an auto loan is half that of a regular one. auto credit Cetelem Bank. And thirdly, the bank guarantees the residual value of the car loan purchased "Kia Easy!" car. Such a loan is issued for a period of either two or three years. 
Once the specified period expires, the borrower may or exchange a purchased Kia car for new model by trade-in, or, by depositing the residual value of the car to the bank immediately, keep it for yourself. Is it also possible to return the car to the bank at the residual price, which is equal to forty-five percent of the value of the car? and it will be enough to cover the loan.
"Kia Easy!" will be of interest to several categories of car enthusiasts, - Kia Finance managers are sure. It will allow you to tie the client more tightly to Kia cars, because you can rent one package and take a more fancy one without much damage to your own wallet. 
Hatchback Kia Rio today it is sold at car dealers at prices ranging from 642 to 882 kilo rubles, the Rio four-door costs from 612 to 882 thousand rubles. hatchbacks kia cee`d 2016 model year, available to the buyer in the range from 770 thousand to 1 million 250 thousand rubles. And station wagons kia cee`d you can take for 845 - 1230 thousand rubles.
The other day Kia Motors Rus announced the so-called "" for those Russian owners of Kia cars who overdue the date of the official MOT or passed it at unauthorized service centers.
