Financing with Our Dealership

The Finance Department at MY Kia

So, you're through with the toughest part of the vehicle buying process (finding the vehicle you want), and now you're on to the finance side of things. Does just the word finance bring chills to your spine? Fear not, Monterey CA, Marina CA, San Jose CA, Santa Cruz CA and Gilroy CA drivers, the MY Kia finance team is ready to help! Our team of in-house finance experts will work with Salinas drivers to find a cash payment that fits within your unique needs. Here at MY Kia, our finance team is well connected to a vast lending network that helps to ensure that Monterey CA, Marina CA, San Jose CA, Santa Cruz CA and Gilroy CA drivers can land a fair finance deal.

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We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

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Should You Lease Your New MY Kia Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

MY Kia can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

Welcome to Our Financing Department

Welcome to MY Kia's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.

All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. MY Kia has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!

Your privacy is important to us.

MY Kia takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. MY Kia

    222 Auto Center Circle
    Salinas, CA 93907-1992

    • Sales: 831-444-8888
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Get in Touch

  • Contact our Sales Department at: 831-444-8888
  • Monday9:00AM - 8:00PM
  • Tuesday9:00AM - 8:00PM
  • Wednesday9:00AM - 8:00PM
  • Thursday9:00AM - 8:00PM
  • Friday9:00AM - 8:00PM
  • Saturday9:00AM - 8:00PM
  • Sunday10:00AM - 7:00PM