Automotive Financing Center
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Frequently Asked Questions
What financing options are available at H+H Kia?
H+H Kia offers a range of financing options, including loans through Kia Motors Finance and partnerships with various local banks and credit unions. Our dealer group has strong partnerships with these lenders so we can leverage the best available rates for our customers. Ultimately you decide what the best rate is for you.
What credit score do I need to qualify for financing?
While specific requirements vary, we work with customers with all credit scores and offer flexible financing solutions to accommodate different financial situations. Our specialized finance team can leverage our buying power with the banks to find you the right options.
Can I get pre-approved for financing before visiting the dealership?
Yes! You can complete our online pre-approval application to check your financing options before coming in. If you complete the application to your fullest ability our team will reach out for any additional information needed and to discuss best next steps.
Is a down payment required?
A down payment is not required in most cases. However, a down payment will often assist in getting the best overall terms for the vehicle purchase and financing options. Read more on how we bust this myth by clicking here.
How is my interest rate determined?
Vehicle loan interest rates depend on factors like your credit score, debt-to-income ratio, job history, loan term, down payment, and current market rates. Since our dealer group sends millions of dollars in loans to our lenders each month, we can get our customers the best rates available. Click here for 6 tips for fast credit building.
Are there any additional fees when financing or leasing a vehicle?
All retail vehicle transactions have a posted dealer administration fee regardless of whether it’s a cash, finance, or lease transaction. Lease transactions will also often have a “acquisition fee” charged by the lender. Other common fees would be county and state specific fees for title, lien, and sales tax. Our team will provide a transparent breakdown of all associated costs and fees as part of your vehicle transaction.
Can I finance my sales tax and fees?
Yes, in most cases you can finance the sales tax and fees into your loan. This is subject to lender approval but is a common request. In Nebraska sales tax is paid directly at the local DMV. So, in these instances a check will be made out to the customer and the county to use at the time of vehicle registration. Please note that all “out-of-state” vehicle transactions are required to include sales taxes and fees in the purchase agreement. Nebraska transactions are at the customer’s request and subject to lender approval.
Do you offer any special financing rates or incentives?
We frequently have special rates, manufacturer incentives, and promotions. Ask about our current offers or visit our website for updates.
What documents do I need to bring for financing?
Please bring a current valid driver’s license, proof of income (current pay stubs, W2s, or bank statements), proof of residence (utility bills, lease agreement, bank statement, mortgage statement), and any trade-in documentation if applicable (including current payoff information). Please note that these items are not always required by lenders. But common examples of what may be asked for.
Can I pay off my loan early without penalties?
All our dealer arranged loans and leases allow for early payoffs without any penalties.
Finance Info Hub
- Auto Finance 101: Everything You Need to Know About Car Loans
- Hard vs. Soft Credit Inquiries: What You Need to Know for Auto Loans
- 5 Myths About Auto Financing: How Dealerships Can Help Unlock The Process
- Car Leasing 101: All-Inclusive Knowledge