The best used Kia Niro finance deals

Use our Kia Niro 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 Niro 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%.

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Why choose an Kia Niro?

The used Kia Niro carves out a unique and highly attractive niche in the pre-owned market, standing tall as a versatile and exceptionally efficient compact crossover. It's the perfect choice for eco-conscious drivers, urban explorers, and small families seeking a blend of practicality, modern technology, and impressive fuel economy without the new car price tag.

Under the hood, the Niro typically offers a smooth and responsive hybrid powertrain, often a 1.6-liter four-cylinder engine paired with an electric motor, delivering a combined output of around 139 horsepower. This setup provides brisk acceleration for city driving and confident highway cruising, all while achieving remarkable MPG figures, often in the high 40s or even 50s. Inside, the Niro impresses with a well-appointed cabin, featuring quality materials and user-friendly tech like Apple CarPlay and Android Auto integration, often displayed on a vibrant touchscreen infotainment system. As a used purchase, the Niro represents outstanding value, benefiting from Kia's reputation for reliability and a competitive price point that makes advanced hybrid technology accessible. Its compact footprint also makes it incredibly easy to maneuver and park, an added bonus for urban dwellers.

Financing a Niro:

The Kia Niro is an excellent choice for financing, offering a smart blend of desirability and strong residual values. This makes it particularly appealing for customers considering PCP (Personal Contract Purchase) finance, as the vehicle's projected future value helps keep monthly payments lower.

We understand that finding the right finance can feel daunting, which is why we’re here to make it accessible. Our APR rates start from a competitive 7.9%, with a representative APR of 8.9%. We pride ourselves on flexibility; our comparison technology allows us to fund Kia Niro models of various ages. This means we can find the best lender and finance package tailored to your chosen vehicle. Ready to see how affordable a Kia Niro can be? Try our comparison today and drive away in your perfect car sooner than you think.

Kia Niro finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any Kia Niro 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

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Latest Kia Niro 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
64.8kWh 4 Auto 5dr
19,371 miles
18th Aug 2026
More details
£21,350
£5,000 deposit over 48 months
8.9% £267.53 £8,014 £34.36
64.8kWh 4 Auto 5dr
19,371 miles
18th Aug 2026
More details
£21,350
£2,145 deposit over 48 months
8.9% £333.30 £8,346 £39.12
64.8kWh 4 Auto 5dr
24,201 miles
18th Aug 2026
More details
£22,540
£5,000 deposit over 48 months
8.9% £294.22 £8,193 £41.53
64.8kWh 4 Auto 5dr
24,201 miles
18th Aug 2026
More details
£22,540
£2,254 deposit over 48 months
8.9% £363.19 £8,193 £32.91
1.6 GDi Hybrid 3 5dr DCT
25th Jun 2026
More details
£14,752
£0 deposit over 48 months
8.9% £209.40 £9,022 £56.29
1.6 GDi Hybrid 3 5dr DCT
25th Jun 2026
More details
£14,752
£0 deposit over 48 months
8.9% £364.00N/A £38.90
64.8kWh 4 Auto 5dr
19,665 miles
31st Mar 2026
More details
£20,150
£2,000 deposit over 36 months
8.9% £144.41 £17,681.50 £55.51

Calculations based on the last 7 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

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