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Personal Motor Loan (PML) offers

PERSONAL MOTOR LOAN (PML) OFFERS

With Personal Motor Loan (PML) you can spread the cost of repayments over a set period of time, with a fixed monthly sum. Letting you pay off the total value of the car in instalments, instead of paying the full sum upfront.

How does Personal Motor Loan work?

Kia Finance PML

A Personal Motor Loan (PML) is a traditional loan agreement that provides a straightforward path to car ownership over a fixed period. You can start by paying an optional deposit before you make the scheduled monthly repayments.

One of the key benefits of PML is the fixed interest rate, which means the amount you pay each month stays the same for the duration of the agreement. This consistent repayment schedule makes it easier to manage your budget and plan ahead, unlike other finance types that may involve variable interest rates or alternative payment structures – such as larger final payment at the end of the term outgoings.

There are no surprises at the end. Once all repayments are made, the car is yours. This makes a Personal Motor Loan an ideal finance option for those who want the security of knowing exactly what they owe, with the added advantage of full ownership at the end of the term.

Looking for some inspiration?

Explore our most popular Personal Motor Loans (PML) offers running at the moment.

  • Personal Motor Loan (PML)
    New Sportage: 5.9% APR Representative
    New Sportage: 5.9% APR Representative

    No minimum customer deposit on 5.9% APR Representative PML.

     

    Terms apply - scroll to bottom to view.

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  • Personal Motor Loan (PML)
    EV3: 3.9% APR Representative
    EV3: 3.9% APR Representative

    No minimum customer deposit on 7.9% APR Representative PML.

     

    Terms apply - scroll to bottom to view.

    View offers Calculate Finance
  • Personal Motor Loan (PML)
    EV9: 3.9% APR Representative
    EV9: 3.9% APR Representative

    No minimum customer deposit on 5.9% APR Representative PML.

     

    Terms apply - scroll to bottom to view.

    View offers Calculate Finance

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Terms & Conditions

 

Sportage: 

Offer available on purchase of a new Sportage in the United Kingdom between 01.07.2025 and 30.09.2025. Retail sales only. 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:

Offer available on purchase of a new EV3 in the United Kingdom between 01.07.2025 and 30.09.2025. Retail sales only. 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.

 

EV9:

Offer available on purchase of a new EV9 in the United Kingdom between 01.07.2025 and 30.09.2025. Retail sales only. 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.

 

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.