Finance Center

Welcome to Kia of Jamestown's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online finance application.

All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. Kia of Jamestown has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!

Finance 101

So you've found the car of your dreams. Now what? The process of financing your new car can seem daunting, but with a little research, you'll be driving home in your new ride before you know it. If you're not planning to fork over the cash needed to buy your car, you'll need to find a lender willing to loan you the money. Follow these simple steps to find a lender and the right loan and term for you.

Compare rates. Compare car loan rates from a number of lenders, including credit unions, banks, private lenders, and the dealership from which you plan to purchase the car. Keep in mind that a number of factors go into your car loan rate, including your credit history, the amount you plan to borrow, and for how long. The rate each financial institution advertises may not be the rate you qualify for.

Decide on a term. Car loan terms are usually offered in 36, 48, 60 or 72 month periods. A shorter term means that you'll save money on interest over the life of the loan and a lower interest rate, but you'll have higher monthly payments. A longer term means you'll have a lower monthly payment, but a higher interest rate and you'll pay more in interest over the life of the loan.

Decide on a down payment. Unless you snag a 'no money down' deal, you'll be required to put down some cash at the time of purchase. The more you put down, the less your loan will amount to, and the less you'll have to pay back.

Here at Kia of Jamestown, we hope to make your buying experience as smooth as possible. Stop by our friendly and knowledgeable Finance department today!


Kia of Jamestown

1700 Washington Street
Directions Jamestown, NY 14701

  • Sales: (888) 583-9984
  • Service: (877) 735-3871
  • Parts: (877) 229-9283


  • Monday 9:00 AM-8:00 PM
  • Tuesday 9:00 AM-8:00 PM
  • Wednesday 9:00 AM-6:00 PM
  • Thursday 9:00 AM-8:00 PM
  • Friday 9:00 AM-6:00 PM
  • Saturday 9:00 AM-3:00 PM
  • Sunday Closed