9090 Mentor Ave
Directions Mentor, OH 44060

  • Sales: (888) 432-6162
  • Service: (888) 494-5472
  • Parts: (888) 708-0359

Kia Finance Center in Mentor, OH

Finance Process at Mentor Kia

When you've set out to buy a new Kia vehicle, you shouldn't feel overwhelmed by the financing process. No matter your credit situation or budget, our team of financing experts are committed to help you select a lease option or auto loan that suits you best.

We often have financing rates as low as 0% APR, manufacturer rebates and low lease rates. We also offer special programs and incentives for college grads, Uber drivers and current Kia customers for even more savings. Don't worry if your credit history is less than perfect, we offer a Not-So-Stellar Credit Program so we're able to arrange a great car loan for any credit situation. At Mentor Kia, you may be surprised how low your payments may be after we set you up with the best programs and incentives.

Getting a Car Loan is Simple at Mentor Kia

Step 1: Determine Your Budget

Figuring out the amount you'd like to borrow based on the monthly payment that will best suit your budget is a good first step. We have a nifty payment calculator for any vehicle in our inventory to make it easy to figure out what your car payment would be like for either a lease or purchase.

Step 2: Get Pre-Approved

To speed up the in-dealership financing process, you have the option of completing the pre-approved form online. (You also have the option of completing the credit application at the dealership.)

Step 3: Select Your Vehicle

After you know what payment best fits your budget and our finance managers have reviewed your credit application and given you a pre-approval, it's time for the fun part. To find the Kia vehicle or SUV that best suits your needs, you can either browse our inventory online or in-person at the dealership.

See, our financing process at Mentor Kia couldn't be easier! Plus, you can complete the steps in any order. Select one of the buttons below to get started. If you still have more questions, check out our FAQ below.

Common Financing Questions at Mentor Kia

Should I buy or lease a vehicle?

If it's time to upgrade your vehicle, you have the option of buying or leasing. There are many benefits of both. One benefit of buying a Kia is the great financing rates. We offer financing rates as low as 0% APR with qualifying credit on your next new vehicle. On the other hand, leasing a Kia gives you more flexibility in which you're able to choose a different model at the end of your lease if your wants and needs have changed. To learn more about the benefits, check out our guide on buying vs leasing.

Should I finance through the dealership or my bank?

That's the most common question we are asked during the finance process. We are partnered with many banks and credit unions. So, whether you have good or bad credit, we are able to cater to your finance needs. Financing through us may give you eligibility to receive incentives like cashback and rebate offers. We recommend talking with our dealership team about financing and checking our specials to ensure you receive the best rate, even if you're already received approval from your bank.

How do I get a low interest rate loan?

There are many factors that determine the interest rate on your vehicle purchase. Things like the type of vehicle you choose, down payment, loan term-length and your credit history. Although new vehicle rates are often the lowest, we work with a number of banks that will compete for your business. You can have a peace of mind knowing you'll get the best rate possible. Your credit report which includes information on your open accounts, summaries of your current monthly payments and utilization of credit will factor into your rate. A down payment can help you qualify for a lower rate and help you get approved. So, you'll want to consider the down payment amount you are comfortable with.

What can I do if I have bad credit?

It doesn't matter if you have a low credit score or no credit score at all, you're in good hands at Mentor Kia. Our Not-So-Stellar Credit Program will get you right on your way of getting a loan approved. Our relationships with various banks and specialized local credit unions will assist you in getting your credit score where it needs to be. Simply fill out a form and you will be one step closer to getting pre-approved.

Have a question that isn't listed above? Contact one of our Finance Managers.

Contact Us

Mentor Kia

9090 Mentor Ave
Directions Mentor, OH 44060

  • Sales: (888) 432-6162
  • Service: (888) 494-5472
  • Parts: (888) 708-0359


  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 6:00pm
  • Sunday 11:00am - 3:00pm