Kia Motors Finance

Our Advantage

Kia Motors Finance is committed to empowering your Kia driving experience by creating exceptional opportunities to finance, lease, and protect your vehicle. Our goal is to provide the best financing options, reliable and responsive service.

When you lease with Kia Motors Finance, you can enjoy low monthly payments and a factory-backed warranty, all while experiencing the most cutting-edge design and technology. Providing first-class solutions for both individuals and businesses, we are continually developing new ways to serve you.

Lease Explained

Discover the option that’s best for you

Leasing offers unique benefits and lifestyle advantages when compared to financing a new vehicle.

When you lease a vehicle, you only pay for a portion of the vehicle’s depreciation instead of its full Manufacturer Suggested Retail Price (MSRP). This makes monthly leasing payments substantially lower than finance payments on the same model over an equivalent term.

Kia Motors Finance offers lease terms of 24 to 60 months. Lease contracts can vary in length.

With shorter terms, leasing lets you upgrade to a new vehicle more often. At the end of your lease term, you will have several options. If you are ready for a new Kia, simply return your vehicle to your dealership and lease a new one. If you want to continue enjoying your current vehicle, you can contact us to obtain a buyout quote.

TIP: Depending on your driving habits, there are options to purchase additional kilometres at the beginning of the lease contract at a substantially lower cost. If you use your leased vehicle for business purposes, you may be eligible for certain tax benefits. Consult your financial advisor for more information.

Drive with confidence

When you lease a Kia, you’re able to drive a new vehicle and enjoy the benefits of ownership without a permanent commitment.

As our standard, Guaranteed Asset Protection (GAP)* is included in every Kia lease and protects you if the vehicle is stolen or deemed a total loss, paying the difference between the amount owing on the lease and the insurer’s payout.

Excess Wear & Use Protection Plan

Leasing a Kia should be a stress-free vehicle ownership experience. Our Excess Wear & Use Protection Plan provides you with peace of mind by covering the financial responsibility to cover some of the common vehicle wear and tear costs at lease-end.

The Excess Wear & Use Protection Plan provides you with up to $3,500 for repairs and replacements to the following parts:

  • Tires
  • Windshield and glass
  • Paint chips and cracks
  • Exterior dents, dings, and scratches
  • Headlamps, tail lamps, and bulbs
  • Mirrors
  • Bumpers, step bumpers, surrounding trim
  • Wheels and wheel covers
  • Factory audio equipment
  • Carpets
  • Mufflers and tail pipes
  • Rubber door seals
  • Door handles
  • Moldings, trim, metal, chrome
  • Name plate badges and hood ornaments
  • Upholstery and interior rip, tears, and burns

Key Customer Benefits

Backed by Kia Motors Finance, this plan has no $0 deductible, no claim forms to submit, plan is transferable with your lease, and no upfront costs with the option to be paid through your monthly lease payments. Speak with your local dealership for more details.

Lease-End Options

As your lease approaches maturity, we will provide you with all the tools to get ready for the next new vehicle!

Our goal is to ensure you receive all the necessary information on time and support from your dealership and our team to make your lease-end experience a great one. We value your loyalty to stay in the Kia family!

Visit your local Kia dealership for more information about loyalty offers and exciting new models. Our Lease-end Servicing team is also happy to discuss your lease-end options and can be reached at 1-866-250-3151. Our service hours are: Monday through Thursday 8:30 a.m. to 11:00 p.m. EST and Friday 8:30 a.m. to 9:00 p.m. EST. Times may vary during holidays.

What are my options?

If you plan to lease or purchase a new Kia, it’s as simple as:

  1. Find the next perfect Kia vehicle for you at
  2. Contact your Kia dealership for a test drive and learn about loyalty offers.
  3. Book your vehicle inspection appointment (within 60 days of lease maturity).
  4. Make any necessary repairs to avoid excess wear and tear charges, and arrange to turn in your current vehicle.
  5. Pick up your brand new Kia vehicle

Don’t worry, we will communicate with you throughout your lease-end process to ensure a smooth and stress-free transition into your next Kia vehicle!

If you plan to keep your current Kia

Simply contact the dealership who originated your lease, or call our Lease-end Servicing Team and let them know you’d like a buyout quote. The purchase must be made at a Kia dealership.

Vehicle Inspection

If you have decided to buyout your leased vehicle, then no inspection is required. Otherwise, every returning lease vehicle must be inspected shortly before or promptly after vehicle turn-in.

Vehicle inspections are conducted by AutoVIN, our third party vendor, and a final Vehicle Inspection Report will be made available online.

When your lease contract is approaching four months to maturity, an End of Term kit will be mailed to your home. It contains important information about your lease-end options and includes a self-evaluation tool card with references to help you make assessments of any excess wear and tear to your vehicle in advance of the inspection.

To assist with your vehicle inspection scheduling, you will receive a lease-end reminder inspection letter from us 60 days from maturity. As well, AutoVIN will be in contact to schedule an inspection appointment at a convenient location, such as your residence, workplace, or your local dealership. Appointments are available Monday through Friday from 9:00 am to 1:00 pm, or 1:00 pm to 5:00 pm.

Early Termination Inspection

If you plan to return your leased vehicle more than 90 days to lease maturity, it is considered an early return. If you have an early return, please call 1-866-250-3151. You can also schedule an early inspection by calling AutoVIN at 1-800-268-6639. Please visit your local dealership for more information as fees may apply for early termination of your lease contract.

Finance Explained

As a vehicle owner, you have more control over your vehicle’s ongoing value, including the kilometre usage and physical condition without the risk of possible lease-end charges.

As a finance customer, throughout the term of your finance contract, your payments will consist of part principal and interest charges. Each payment you make increases the amount of equity you've built up in your vehicle.

When you finance your vehicle with Kia Motors Finance, we work with you to create a balanced payment plan that fits your needs and budget. Keep in mind, unlike a lease contract, your monthly finance payments will typically be higher as you are financing the total cost of your vehicle.

On the other hand, you can keep your vehicle for as long as you love driving it, and when you’re ready for a new vehicle, you can explore options including trading in toward a new Kia.

Help Me Choose

Kia Motors Finance can make it easier to drive the vehicle you want most. Our financing options are designed to fit your lifestyle and budget.

Find out which financing benefits are your best fit:

  • Full ownership of your vehicle
  • No limit on mileage
  • No monitoring of your vehicle’s condition
  • More vehicle for your money
  • Reduced or no down payment
  • Often lower payments when compared to finance
  • GAP coverage included*
  • Shorter terms offer more flexibility
  • Potential tax benefits
  • Option to purchase at lease-end

Discover the option that's best for you

Lease Finance
Financial Needs Want the lowest payments possible?
Want to own the vehicle at the end of the contract?
Driving Needs Mostly local driving, no longer commutes?
Drive over 24,000 km per year?
Vehicle Needs May change in the next 24 to 60 months?
Will remain stable for 60 months or more?
Lifestyle Needs Enjoy driving a new vehicle more often?
Enjoy driving the same vehicle for a long period?
Operating Costs Want to drive a vehicle with minimal operating costs?
Will pay for out-of-warranty service as the vehicle ages?
Vehicle Customization Want to customize the vehicle with Genuine Kia Accessories?
Want to customize the vehicle or add accessories after delivery?
Personal Preferences Want a new vehicle at the end of the contract?
Don't want the hassles of trying to trade or sell the vehicle?
Want the option of buying the vehicle at lease-end?
Want to sell the vehicle at the end of the contract?


Customer Service

Our customer service advisors are ready to assist you. You can reach us at (866) 250-3151. Our service hours are: Monday through Thursday 8:30 a.m. to 11:00 p.m. EST and Friday 8:30 a.m. to 9:00 p.m. EST. Times may vary during holidays.


We’re here to make your leasing and financing experience easy. Explore answers to frequently asked questions below.

  1. Is there an advantage to financing my vehicle through Kia Motors Finance?

    We strive to provide the best possible financing experience for Kia drivers. As the only captive financing partner for Kia Canada, we periodically offer exclusive deals designed for Kia drivers.

  2. What if I want to pay off my vehicle early?

    Contact us for a Payoff Quote.

    Our lease-end servicing team is ready to assist you. You can reach us at (866) 250-3151. Our service hours are: Monday through Thursday 8:30 a.m. to 11:00 p.m. EST and Friday 8:30 a.m. to 9:00 p.m. EST. Times may vary during holidays.

  3. What if I want to trade in my vehicle for a newer Kia?

    Simply contact your local Kia dealership to arrange an appointment to discuss trade in options.

  4. How do I purchase my current vehicle?

    Please contact your Kia dealership, or call us at (866) 250-3151 to receive a payoff quote and instructions for purchase.

  5. Can I coordinate repairs on my vehicle?

    Yes. If your vehicle needs repairs before your lease is over, you have several options. Your best option is using your Kia dealership to provide any needed repairs, including parts and service to help you prepare your vehicle for return. You can also choose to turn in your vehicle with the damage, but you may be billed excess wear and use charges. Please refer to your lease agreement regarding all of your lease-end obligations.

  6. What happens at the end of my lease?

    Near the end of your lease you will automatically receive a lease-end kit to help guide you through your options regarding your vehicle. If you have questions before hand, please contact your Kia dealership or call us at (866) 250-3151.

  7. What if I want to turn my vehicle in early?

    Contact your local dealership to discuss turning your vehicle in early. Your options may vary depending on how much time is left under your lease contract?

  8. Should I schedule an appointment to return my vehicle to my Kia dealership?

    Yes. We recommend you schedule an appointment to allow for a smooth vehicle return experience and to address any questions you may have.

  9. Can I turn in my vehicle to a non-Kia dealership?

    No. Your vehicle must be returned to an authorized Kia dealership. It is recommended that you contact your local Kia dealership to schedule a turn-in appointment at least 60 days before your lease maturity date.

  10. Do I need to cancel any electronic payments at the end of my lease?

    Yes. If you have returned your vehicle, please cancel your pre-authorized payments.

  11. Still have questions?

    Our customer service advisors are ready to assist you. You can reach us at (866) 250-3151. Our service hours are: Monday through Thursday 8:30 a.m. to 11:00 p.m. EST and Friday 8:30 a.m. to 9:00 p.m. EST. Times may vary during holidays.

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