First Time Buyer Program

 Kia Cars that qualify:
  Kia Forte Sedan
  Kia Forte Koup
  Kia Forte Hatchback
 Kia Rio Sedan
  Kia Rio Hatchback
  Kia Soul

First Time Buyer Program Terms and Conditions

  • First automotive secured loan or credit transaction
  • Minimum six months on current job or qualified co-buyer
  • Qualified applicants are eligible for standard rates
  • Up to 100% advance
  • Up to 72 months maximum term
  • Minimum of $1,000 total down payment required (Total down payment may include rebate cash)
  • Excludes credit tiers 7 & 8 for terms greater than 60 months

Credit Requirements

  • No adverse credit history
  • No bankruptcies, foreclosures, repossessions, collection accounts, charge-offs, tax liens, judgments, or any other delinquent credit
  • Verifiable (paystub, W-2, etc.) monthly income from primary job cannot exceed 15%
  • Total monthly debt to monthly income ratio of 50% or less. Total monthly debt includes, if applicable: monthly vehicle payment, monthly rent or mortgage payments, other monthly payment obligations (installment loans, revolving loans, alimony or support payment, etc.)
  • Subject to additional KMF credit guidelines

Eligible Vehicles

  • New and untitled 2015 and 2016 Kia Forte, Optima, Rio, and Soul vehicles, including demonstrator and service loaner vehicles with fewer than 6,000 miles

Buy Your First Kia with Us

There is a first time for everything! The First Time Buyer Program is designed specifically to help first time car buyers get into the car of their dreams. With a minimum of six months on your current job, or a qualified co-buyer, and a minimum $1,000 down payment, you are well on your way to being the proud owner of a new Kia. Qualified applicants are eligible for standard rates for up to seventy-two months. You can get started right now filling out the form below.