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  • Koons Kia of Owings Mills

Nov 19, 2021

The biggest hurdle you have to overcome before you can drive your brand-new vehicle home is getting Kia financing. But with the friendly Owings Mills, MD team at your local dealer there to help you every step of the way, you’ll be able to find a great deal in no time. Let’s have a closer look at how you can get financing at your Kia dealership and what you can do to optimally prepare for your vehicle purchase.

1. Get All the Documents in Order 

To get approved for a loan, you’ll need to provide certain documents. The process will be much easier if you already have these ready to go, so you should compile everything you need before getting started. Some of the items that might be required are proof of your current income, proof of your savings, proof of liabilities, and proof of insurance.

It’s also smart to figure out how much you can afford to pay each month before contacting the dealership. That way, we can help you out by only showing you cars and deals that correspond with your current budget. Remember that several factors affect your car payment, such as your loan term, your down payment, and your interest rate. You can use the payment calculator to find out how much you might need to spend to pay for your dream vehicle.

2. Sell Your Old Car to Your Kia Dealership 

Did you know that your local dealership doesn’t only sell cars but we buy them as well? If you already have a vehicle, you can trade it in for a new one, thereby significantly reducing the amount of money you have to spend. You might be surprised at how valuable a well-maintained Kia still is, even if you’ve been driving it for a while. Don’t forget to factor your trade-in value into the calculation when deciding which cars are within your budget.

3. Get Advice from Professionals 

The salespeople and the finance team at your dealer are familiar with all the current offers, and they have worked together to secure loans for people in a wide variety of financial situations. For this reason, they are the best people to speak to if you need any help or have questions about the process. Don’t hesitate to get in touch with us, as we will be happy to help you out.

Building a great relationship with the employees at your dealership has several benefits for you. Aside from making the loan application simpler, you’ll also be the first to hear about any current or upcoming deals. That way, you can buy your vehicle at an even cheaper rate. What’s more, our service goes beyond just selling you a car. We will work with you every step of the way, providing maintenance and repairs for your Kia whenever you need them.

When you’re ready to buy your new Kia, you should read through all the info on your dealer’s website and then get in touch. The team can help you compile your documents, figure out what you can afford, trade in your old car, and ultimately secure the best deal possible. Call or message us today at Koons Kia of Owings Mills and ask to speak to our finance team.