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Kia is known for affordability.  Nonetheless, the average cost of a new car is just over $32,000 which means financing your automobile in a necessity for most buyers. We work with over 30 lenders to find secure a competitive interest rate and the best financial solution for you.

Use our quick pre-approval form online credit application or call 843.573.2300 for more information. You can also use our convenient payment calculator to estimate your buying power and monthly payments.

Our Finance Department can help you:

  • Secure a Competitive Rate
  • Obtain a Quick Approval
  • Acquire Extended Warranty Programs

Types Of Financing

There are several types of car financing available and each has distinct advantages.

  • Dealer Financing
    Dealers will shop a loan for you among various lenders and get them to compete for your business. They can leverage millions of dollars in loan originations and their lender relationships to your advantage. Dealers may offer incentives, cash back or rebates, money for a trade-in and low to no interest financing rates. You may not qualify for all of these but do the math to determine which offer is most advantageous. They also can provide all services on site including products to protect your new vehicle and handle your taxes and license tag registration. It simplifies the car buying experience and makes it easy for you to drive off the lot in your new car.
  • Commercial Banks
    Banks offer a broad range of personal loans and may have numerous financing options, flexible terms, and customer discounts.
  • Credit Unions
    Credit unions are non-profit member-based organizations that offer highly personalized service, educational financial resources, and competitive rates.  They also offer the benefit of being locally based.
  • Home Equity Loan
    Some may question the wisdom of tying your car to your house, but the fact that some of the interest is tax deductible may make this an option worth considering.


Numerous factors determine your loan eligibility and your interest rate. These include:

  • Credit score
  • Income, debt-to-income ratio
  • Bill payment history

Geographical location may also impact interest rates. In general, used car loans will also be more expensive than new car loans. You can arm yourself before approaching a lender by checking your credit score with FICO. If there are any mistakes on your report you can address them before applying for a loan.

You will also want to “shop” your loan. In order to do this, you need to look at the out the door price and other factors. Consider the total cost of ownership which includes taxes, insurance, the lowest rate of depreciation, fuel economy, insurance premiums, and maintenance and repair costs. offer its True Cost to Own® calculator.

Once your loan application has been approved, our Finance team will prepare a loan package tailored specifically for you.

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