If you would like to get pre-approved instantly for an auto loan, just click on the "Get Pre-Approved" link above and fill out the credit application. Rest assured that your information, which is encrypted in a highly-safe digital format and never sent through e-mail, is safe with us. Our Mooresville Kia staff will help you get the car loan that you need. We work with local banks, which allows us to find the right financing terms for your needs. Call Keffer Kia, for hassle-free, stress-free automobile financing in Mooresville.

Mooresville Kia Car Loans

The Mooresville Kia financing team is here to walk you through the entire process of getting an auto loan in Mooresville. From start to finish our experts will help you choose the auto finance plan that works best for you. We work with a network of lenders to get you excellent rates on a car loan in the Mooresville, Charlotte and Concord areas.

Complete our online finance application form and we will review it, then contact you as soon as we have found a finance plan that suits your needs. Then, choose your new Kia in Mooresville, or your next used car in Mooresville, by browsing our dealership's extensive inventory online. You will find details, pictures and prices for all of our new and used vehicles. If you have any additional questions, please do not hesitate to contact us.

-------------

When it comes to buying or leasing a car the options can be confusing. To help you make an informed decision we have provided the information below. We hope you find it informative and useful.

When you buy the new or used car you pay for the entire cost of the vehicle. When you lease the new or used car, you pay for only a portion of the vehicle’s cost, which is the part you use during the time you are driving it.

Buying

Who Owns It

Whether you pay for the car with cash, or finance it and make monthly payments, either way it’s yours. Of course, if you’re financing it, you’ll have to meet the obligations the lender requires, like a certain down payment amount and timely monthly payments. If you don’t, they have the right to repossess it.

Up-front Costs

If you’re financing it, the bank will probably request a down payment. You can also trade-in another vehicle and use any equity towards your down payment. The amount of the down payment is usually based on the lender’s requirements and your credit score.

Future Value

Your vehicle will be worth whatever you can sell it for in the future and that depends on how well you maintain it. (Be smart and protect your investment with regular scheduled maintenance by a factory-authorized facility!)

End of Payments

Once you’ve paid off what you owe on your contract, that’s it. Your vehicle is 100% yours. The lending institution will send you a Lien Release as proof that the vehicle is completely paid off and all yours.

Leasing

Who Owns It

You do not own the car when you lease. You’re paying for the use of the vehicle, but the finance institution that you leased it through actually owns it. This is usually why you pay less per month in a lease than if you were to buy the car. .

Up-front Costs

Leases often do not require any type of a down payment. All you usually have to pay is the first month’s payment, a security deposit, the acquisition fee and other fees and taxes. But, as with a purchase, if you want to lower your monthly payments you can always pay more upfront.

Future Value

In most leases you don’t end up owning it so you don’t end up selling it. That’s the financial institution’s job. Although you may have mileage limits and wear and tear guidelines that, if you exceed them, could cost you extra money when you turn your vehicle back in.

End of Payments

Most people return the vehicle at the end of the lease term. But some like to purchase it during their lease or at the end. Others like to trade it in before their lease is over. Just ask us about these different options before signing any paperwork and we’ll make sure you have your lease set up the way you want it.

Best Cars to Lease

The best cars to lease are those with the best book value after the term of the lease. Since they depreciate less, you pay less. Review the lease ratings to see which cars retain their value.

53130|2605