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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.
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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.

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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Looking for some inspiration?

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

  • Personal Motor Loan (PML)
    EV5: 3.9% APR Representative
    EV5: 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 Motor Loan (PML)
    EV3: 3.9% APR Representative
    EV3: 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 Motor Loan (PML)
    New Sportage Hybrid: 5.9% APR Representative
    New Sportage Hybrid: 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.
Explore the EV4
Kia EV4

We offer PML across the whole Kia range

  • 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.
  • Request a Brochure Brochure Download a brochure today. Request a Brochure Brochure Download a brochure today.
  • Configure Your Car Configure your car Design and build your perfect Kia. Configure Your Car Configure your car Design and build your perfect Kia.
  • Finance Calculator Finance Calculator Choose your dream Kia car and use our finance calculator to create a personalised finance quote. 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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Other Kia 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: 

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:

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:

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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