The best used Kia Ceed finance deals

Use our Kia Ceed finance calculator to compare PCP and HP payments on the exact car you want - using a URL, a registration number, or just the make and model. Kia dealerships often mark up their finance rates to boost their profits. At Prefinance, we cut out the middleman. You find the Ceed on AutoTrader, Motors.co.uk, or anywhere else and we provide the funding at a rate that beats the dealer. Rates starting from 7.9% - Representative APR 8.9%.

Banner image

Why choose an Kia Ceed?

The used Kia Ceed car is a fantastic option in the used car market, offering a compelling blend of practicality, style, and value. It stands out as a smart choice for those seeking a reliable and feature-rich compact car without the new car price tag. It's perfect for young families, daily commuters, or anyone who appreciates a well-rounded vehicle that won't break the bank.

Under the hood, various engine options provide a balance of performance and efficiency. For instance, models equipped with the 1.4 T-GDi engine offer a sprightly 0-60 mph in around 9.2 seconds, coupled with nimble handling and a comfortable ride, thanks to its well-tuned chassis and front-wheel-drive setup. Inside, the Ceed impresses with a high-quality cabin, often featuring an intuitive 8-inch touchscreen infotainment system with Apple CarPlay and Android Auto, ensuring connectivity and entertainment on the go. As a used purchase, the Ceed represents exceptional value, benefiting from Kia's reputation for reliability and often still covered by a portion of its original impressive 7-year warranty. Furthermore, many models come equipped with advanced driver-assistance systems like Lane Keeping Assist and Forward Collision-Avoidance Assist, adding an extra layer of safety and convenience that truly elevates its appeal in the used market.

Financing a Ceed:

Financing a Kia Ceed can be a smart move, and here's why. The Ceed boasts strong residual values and high desirability, making it a fantastic choice for those looking to finance. This is especially beneficial for PCP (Personal Contract Purchase) customers, as the higher predicted future value can lead to lower monthly payments.

We offer competitive finance options with APR rates starting from 7.9% and a representative APR of 8.9%. Our flexible terms mean we can help finance Ceed models of various ages. Thanks to our advanced comparison technology, we'll match you with the best lender for your specific vehicle, ensuring you get a deal that suits your budget. Ready to see how affordable a Kia Ceed can be? Try a comparison today!

Kia Ceed finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any Kia Ceed with our free PCP and HP calculator. Why accept a high 14.90% APR from a dealer? Here are the facts based on our user's comparisons: We save on average £34.23 per month on used Kia finance deals.

Prefinance logoAverage dealer
Representative APR 8.90%11.69%
Monthly payment £398£432
Total payable £19,615£21,302
Monthly saving £34N/A

Statistics based on a sample size of 48 real Kia finance calculations and comparisons from 1/13/2026 to 7/13/2026. Data last updated on 7/13/2026

Get an instant estimate

£
This is how much the vehicle is currently listed for.
£
How much will you be putting towards the vehicle (optional).
How long would you like your finance to last?
£
PCP only: how much would it cost for you to buy the vehicle at the end of your finance agreement?

Latest Kia Ceed finance quotes

We compare multiple brokers and their lenders to find you the very best deal. You get to buy the same car for same price, but with lower payments.

Price Rep. APR Monthly payment GFV or Final payment Monthly saving
1.5T GDi ISG GT-Line S 5dr Auto
27th Aug 2026
More details
£18,699
£200 deposit over 48 months
8.9% £456.46N/A £43.87
1.5T GDi ISG GT-Line S 5dr Auto
26th Apr 2026
More details
£20,950
£4,000 deposit over 36 months
8.9% £289.20 £10,358 £32.60

Calculations based on the last 2 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.

Frequently asked questions

Need to know more about financing your next used Kia?