Financing with Our Dealership

Kia of The Shoals takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Competitive Rates

No Hassle Credit Checks

Flexible Payments

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Should You Lease Your New Kia of The Shoals Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Kia of The Shoals can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

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Welcome to Our Financing Department

Financing Made Simple for Your New or Pre-Owned car or SUV

We know that you love Kia models, and we can understand the appeal. These models are known for their longevity and style, plus they're affordable so our Huntsville, Florence, Muscle Shoals, Decatur AL and Athens AL customers can make the most of their busy schedules. If you have found a model that suits your needs, or you are just beginning your quest, consider what your financing options might be.

Explore All Your Finance Options in Sheffield

Are you the type of Huntsville, Florence, Muscle Shoals, Decatur AL or Athens AL driver who enjoys driving your vehicle for a long time and accessorizing it with bumper stickers or bike racks? Consider letting our team help you secure a great loan. Or, are you the type of driver who likes to get behind the wheel of a brand-new vehicle every couple of years and doesn't put too many miles on their vehicles in a year? Maybe you should consider an affordable lease for your Huntsville, Florence, Muscle Shoals, Decatur AL or Athens AL commute. Either way, our finance team can help you choose your perfect method for getting your next vehicle in Sheffield.

Find out just how easy financing your next car can be with the help of Kia Of The Shoals

While financing a car can be a trying endeavor at other dealerships around Huntsville, Florence, Muscle Shoals, Decatur AL and Athens AL these days, you'll find it refreshingly simple here at Kia Of The Shoals. Feel free to fill out our online credit application to save some time, or drop by our dealership to ask our team any questions you might have.

Your privacy is important to us.

Kia of The Shoals takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Kia of The Shoals

    4109 N Jackson Hwy
    Sheffield, AL 35660

    • Sales: (256) 248-7401
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Get in Touch

  • Contact our Sales Department at: (256) 248-7401
  • Monday8:00AM - 7:00PM
  • Tuesday8:00AM - 7:00PM
  • Wednesday8:00AM - 7:00PM
  • Thursday8:00AM - 7:00PM
  • Friday8:00AM - 7:00PM
  • Saturday8:00AM - 6:00PM
  • SundayClosed