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Kia is known for its affordability. The average cost of a new car is more than $48,000 which makes financing a necessity for most buyers. Kia Country works with dozens of lenders to secure a competitive interest rate and loan for you.

Complete this quick pre-approval online credit application or call 843-603-3400 for more information. You may also use our convenient payment calculator to estimate your buying power and monthly payments. Or you can use Online Shopper to compare rates, terms, monthly payments, and more.

Our Finance Department can help you with:

  • Competitive Rates
  • Quick Approval
  • Extended Warranty Programs

Types Of Financing

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

  • Dealer Financing
    Kia Country shops a loan among various lenders and gets them to compete for your business. They leverage millions of dollars in loan originations and lender relationships to your advantage.  Dealers may offer incentives, cash back or rebates, trade-in money, and low to no-interest financing rates.  We can provide services on-site including protection plans,  taxes and tag registration. Our goal is to make it easy to buy a 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. offers 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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