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Personal Contract Purchase (PCP) offers

PERSONAL CONTRACT PURCHASE (PCP) OFFERS

With a Personal Contract Purchase (PCP), you pay for a portion of the vehicle's upfront sale price over a number of years, but can then settle the balance.
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How does PCP work?

Kia Finance PCP



With PCP finance, you pay for a portion of the vehicle's upfront sale price over several years. Once the contract ends, you can take ownership of a car on PCP or return it to Kia with nothing further to pay (subject to mileage and fair wear and tear).

At the start of a contract, we’ll set an optional final payment for your car, which will be based on your chosen agreement term and approximate annual mileage.

You'll then pay a deposit and make monthly repayments based on the outstanding loan balance, minus the optional final payment.

At the end of the monthly repayment period you’ll have three options:

  • Circular arrows

    Pay the optional final PCP payment and take ownership of the car.

  • Car

    Hand the car back with nothing more to pay. This is subject to mileage and fair wear and tear. If you elect to hand the vehicle back at the end of the contract, any mileage over the agreed limit will be chargeable at 9p per mile (Inc. VAT) for all models.

  • Chequered flag

    Part exchange the car and use any equity as a deposit on your next car (if any available, which cannot be guaranteed)

All policies are subject to mileage and fair wear and tear. If you decide to return the vehicle to us at the end of the contract, any mileage over the agreed limit will be chargeable at 9p per mile, including VAT.

Experience the future of electric with Kia

Kia is leading the way in electrification with an award-winning lineup of advanced EVs designed for every kind of driver.
 
Discover the EV3, our compact electric SUV; the EV4, available as a sleek hatchback or fastback; and the EV5, the versatile family SUV, along with the rest of Kia’s electric range. Book a test drive and take advantage of 3.9% APR representative finance, up to £3,000 PCP deposit contribution, and your first two services free when you purchase before 31st March.
 
Terms and conditions apply. Scroll to the bottom to view.
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Deposit contributions on selected finance products

With a number of ways to buy your new Kia, you'll find a car finance offer to suit you.

  • Personal Contract Purchase (PCP)
    EV5: £1,500 PCP deposit contribution and 3.9% APR Representative
    EV5: £1,500 PCP deposit contribution and 3.9% APR Representative

    Available from 17.12.2025 and 31.03.2026. T&Cs Apply, Subject to Status, 18's or over, Guarantee may be required.  Kia Finance RH2 9AQ..

    View offers Calculate Finance
  • Personal Contract Purchase (PCP)
    EV3: £3,000 PCP Deposit Contribution and 3.9% APR Representative
    EV3: £3,000 PCP Deposit Contribution and 3.9% APR Representative

    Available from 17.12.2025 and 31.03.2026. T&Cs Apply, Subject to Status, 18's or over, Guarantee may be required.  Kia Finance RH2 9AQ.

    View offers Calculate Finance
  • Personal Contract Purchase (PCP)
    New Sportage Hybrid: £2,000 PCP Deposit Contribution and 5.9% APR Representative
    New Sportage Hybrid: £2,000 PCP Deposit Contribution and 5.9% APR Representative

    Available from 17.12.2025 and 31.03.2026. T&Cs Apply, Subject to Status, 18's or over, Guarantee may be required.  Kia Finance RH2 9AQ.

    View offers Calculate Finance

The all-electric Kia EV4

Choose hatchback or fastback and enjoy impressive range and smart driving tech.
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Kia EV4

We offer PCP across the whole Kia range

FAQs

  • Request a Test Drive Test Drive Book a test drive with your local Kia dealer. Request a Test Drive Test Drive Book a test drive with your local Kia dealer.
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  • Configure Your Car Configure your car Design and build your perfect Kia. Configure Your Car Configure your car Design and build your perfect Kia.
  • Car Finance Calculator Finance Calculator Choose your dream Kia car and use our finance calculator to create a personalised finance quote. Car Finance Calculator Finance Calculator Choose your dream Kia car and use our finance calculator to create a personalised finance quote.
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Request an appointment with a Kia expert

If you've got a query you'd like answering, or if you're looking for some specific information, you can request an appointment with a Kia expert at one of our local showrooms.

Whether you want to know more about a particular Kia model, colour options, features, performance specifications — tell us what you want to know and we'll get back to you at a time that suits you.
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Additional personal and business offers

  • Used Car Offers
    Used Car Offers

    We ensure all our pre-owned vehicles meet the high standards our customers deserve.

    View Offers
  • Motability Offers
    Motability Offers

    Find out about low advance payments and weekly allowances.

     

    View Offers
  • Business Offers
    Business Offers

    Discover the perfect arrangement for you and your business.

     

    View Offers
  • Offers for Owners
    Offers for Owners

    Need a service? Book online with us at a time that suits you.

     

    View Offers

Terms & Conditions

 

EV5: 

£1,000 towards your PCP deposit on EV5. Offer available on purchase of a new Kia EV5 in the United Kingdom between 17.12.2025 and 31.03.2026. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice.  Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions click here.

 

EV3: 

£1,000 towards your PCP deposit on EV3. Offer available on purchase of a new Kia EV3 in the United Kingdom between 17.12.2025 and 31.03.2026. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice.  Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required.  Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions click here.

 

Sportage Hybrid:

£1,500 towards your PCP deposit on New Sportage Hybrid (Excluding PHEV) Offer available on purchase of a new Kia Sportage in the United Kingdom between 17.12.2025 and 31.03.2026. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice. Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. For full terms and exclusions click here.

 

Personal Contract Purchase (PCP) Terms & Conditions

£3,000 towards your PCP deposit on EV3 and EV4 GT Line / GT Line S, £1,500 towards your PCP deposit on EV4 Fastback, EV5, EV6 and EV9, £1,000 towards your PCP deposit on EV4 Air. Finance offers available on orders between 17.12.2025 and 31.03.2026. Retail Sales only. Further charges may be made subject to the condition or mileage of the vehicle. Kia reserves the right to amend or withdraw offers at any time without prior notice. Finance T&Cs apply. Subject to status. 18s or over. Guarantee may be required. Kia Finance RH2 9AQ.



Kia UK Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 731457 for credit broking and is a credit broker and not a lender. Kia UK Limited introduces customers to its appointed dealers who act as credit brokers in their own right and who may introduce customers to Hyundai Capital UK Limited, trading as Kia Finance, which is authorised and regulated by the Financial Conduct Authority under firm reference number 581186 as a lender. As a credit intermediary, Kia Finance will pay Kia dealers (credit brokers) a commission for the introduction of business. The credit brokers work with a limited selection of lenders only. They have not searched the whole market to offer you the most suitable or competitive finance terms that may be available. Credit brokers are being paid a commission and therefore will not be able to give you an impartial recommendation as to the finance options available to you. There may be better finance deals available for you elsewhere in the market. All commission amounts will be disclosed prior to completion of your agreement. Kia UK Ltd is registered in England & Wales No: 4415807. Registered Office: Walton Green, Walton-On-Thames, Surrey, KT12 1FJ.

 

First two services free. Offer available on EV3, EV4, EV4 Fastback, EV5, EV6, EV9 and PV5 Passenger orders placed in the United Kingdom between 17.12.2025 and 31.03.2026. Retail sales only. Only eligible on an annual mileage of up to 10,000 miles. Kia reserves the right to amend or withdraw offers at any time without prior notice.

 

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