3721 William Penn Hwy Monroeville, PA 15146-2125
When it comes time to purchasing your next vehicle, Monroeville Kia is here to help make the process as simple as we can. Our finance center offers a range of flexible options to help you get behind the wheel of your perfect Kia. Whether you're considering a loan or a lease, our team will work with you to find the financing solution that best fits your needs and budget.
Auto financing can seem complex, but we strive to make it simple and transparent at Monroeville Kia. The first step is to complete our secure online finance application, which allows us to determine the financing terms you qualify for. Our online application can be completed in just a few minutes from the comfort of your home. We work with a network of lenders to find you the most competitive rates based on factors like your credit score, income, and down payment amount. Our goal is to help every customer, regardless of credit history, drive away happy in the ideal Kia.
For many car shoppers, the choice between financing with a loan or signing a lease can be confusing. There are benefits to each option depending on your unique circumstances and priorities.
When you finance a vehicle with a loan, you borrow money to pay for the car and eventually own it outright once you've made all the payments. This is a great choice if you plan to keep your Kia for many years, want to build equity, and have the freedom to customize or sell the vehicle. Financing with a loan often results in lower long-term costs than leasing, as you will no longer have payments once the loan is paid off. Plus, there are no mileage restrictions when you own the vehicle, giving you the flexibility to drive as much as you need.
If you prefer to drive a new car every few years while keeping your payments low, leasing may be the better choice. With a lease, you're essentially renting the vehicle for a set period of time, usually two to three years. Monthly lease payments are typically lower than loan payments because you're only paying for the value of the car used during the lease term. Leasing also allows you to drive a newer vehicle with the latest features and technology every few years without the long-term commitment of ownership.
However, leases do come with mileage restrictions, and you will need to maintain the vehicle in good condition to avoid extra fees. At the end of the lease, you can simply return the car to the dealership or choose to purchase it at a predetermined price.
When deciding between a loan and a lease, it's essential to consider your budget and financial goals. If you prioritize lower monthly payments and the ability to upgrade your vehicle frequently, a lease may be the right choice. On the other hand, if you want to build ownership equity and have the freedom to customize and drive your vehicle without restrictions, financing with a loan may be a better option. Our experienced finance team at Monroeville Kia will take the time to understand your unique needs and help you make an informed decision that aligns with your financial objectives.
We believe everyone deserves to drive a high-quality, reliable vehicle that they love, and our mission is to make that a reality for customers across the region. So, no matter which financing route you choose, our finance center will be there to guide you every step of the way. We are dedicated to finding you the best possible terms and ensuring you feel confident in your financing decisions.
