When I first tested the Kia EV6, it surprised me with its instant acceleration and futuristic feel. A few months later, I had the chance to explore the new EV9, and it felt like Kia had taken electric driving comfort to a whole new level. Both models prove that Kia is serious about electric performance, but understanding their financing options is just as important as choosing the right trim.
In this guide, I will share how Kia EV financing works in 2025, what the current rates and offers look like, and real examples of monthly payments. I will also explain how to get the best deal whether you are buying the EV6, the EV9, or any future Kia electric model.
Why Kia EV6 and EV9 Are Changing Electric Financing in 2025
Kia has built strong momentum with its electric lineup. The EV6 remains one of the most popular electric crossovers on the market, and the larger EV9 brings three rows of all-electric luxury to families who want both space and sustainability.
Because both vehicles are new and in high demand, Kia Finance is offering attractive rates to make them more accessible. Financing an electric car can be slightly different from a gas vehicle because of tax credits, charging equipment, and resale considerations. Understanding these factors helps you make a smarter financial decision.
Current Kia EV6 and EV9 Finance Offers for 2025
Kia Finance Promotions for Electric Models
As of early 2025, Kia Finance is advertising promotional rates as low as 2.9 percent for 60 months or 3.9 percent for 72 months for qualified buyers. Some dealerships even combine these offers with limited-time bonuses such as zero down payment or deferred first payment programs.
These offers vary by location, so it is always best to confirm directly with your nearest Kia dealer or visit the official Kia Finance website.
Federal and State Incentives and Tax Benefits
One advantage of purchasing an electric vehicle is access to government incentives. The EV6 and EV9 both qualify for federal tax credits up to 7,500 dollars, depending on configuration and assembly origin. Several states also provide rebates that can further reduce your effective cost.
When using Kia Finance, you can usually apply these incentives directly at the point of sale, which lowers the financed amount immediately instead of waiting for a tax refund.
Loyalty and Cashback Offers
If you are an existing Kia owner or lessee, you may qualify for additional loyalty rebates ranging from 500 to 1,000 dollars. Some regions even offer conquest bonuses for switching from another electric brand to Kia. Always ask your dealer which offers can be combined with your financing plan.
Example Monthly Payments for Kia EV6 and EV9
Below are sample estimates to give you an idea of how much your monthly payments might be through Kia Finance in 2025. These figures assume an average credit score and standard loan terms.
| Model | Trim | Price (USD) | APR | Term (Months) | Estimated Monthly Payment |
|---|---|---|---|---|---|
| EV6 Wind RWD | 48,000 | 3.9% | 60 | 884 | $48,700 to $50,300 |
| EV6 GT Line AWD | 55,000 | 3.9% | 72 | 857 | $58,900 to $94,221 |
| EV9 Light RWD | 60,000 | 3.9% | 72 | 935 | $56,395 |
| EV9 GT Line AWD | 72,000 | 4.5% | 72 | 1,123 | $73,395 to $44,500 |
These numbers exclude taxes and registration fees but include the typical Kia Finance promotional APR range.
Down Payment Scenarios
The size of your down payment has a major impact on total cost.
| Down Payment | EV6 Wind RWD (3.9% APR, 60 Months) |
|---|---|
| 10% (4,800) | 884 |
| 15% (7,200) | 826 |
| 20% (9,600) | 767 |
Even a small increase in down payment can save hundreds in interest and improve your approval odds for lower APR offers.
Special Financing Tips for Kia Electric Vehicles
Apply for Pre-Approval Early
Getting pre-approved through Kia Finance helps you know your eligible APR range before visiting the dealer. It also allows you to negotiate from a position of confidence and avoid last-minute rate changes.
Consider the Cost of Charging Equipment
Many buyers choose to roll the cost of a Level 2 home charger into their financing plan. Kia dealers can add this to your total financed amount if you prefer one consolidated payment.
Ask About EV-Specific Programs
Kia Finance sometimes provides extended loan terms up to 84 months for EV buyers to make higher-priced trims more affordable. Check for deferred payment programs or loyalty cash bonuses on electric models.
Combine Financing with Incentives
Always confirm whether your dealer can apply federal and state credits upfront. This reduces your total loan amount immediately instead of waiting for future reimbursements.
Kia Finance versus Bank Loans for EV Buyers
Here is a quick comparison showing the main differences between Kia Finance and a traditional bank loan when purchasing an electric vehicle.
| Feature | Kia Finance | Bank or Credit Union |
|---|---|---|
| Interest Rate Range | 2.9% to 4.9% promotional | 4% to 7% standard |
| EV Incentive Handling | Applied at point of sale | Claimed later via tax filing |
| Credit Requirements | Moderate, best rates for 700+ score | More flexible for fair credit |
| Convenience | One application through dealer | Separate process |
| Add-on Options | Charger financing, insurance, warranty | Limited |
If you are buying a brand-new EV6 or EV9, Kia Finance usually provides the most convenience and best incentives. Banks can still be competitive, especially for buyers with long-term customer relationships or those refinancing later.
Real Buyer Experience
A close friend financed his 2024 EV6 GT Line last year through Kia Finance. He was offered a 3.9 percent APR and a 1,000 dollar loyalty rebate because he previously leased a Kia Niro. His bank quoted 4.7 percent with no rebate. Over five years, he ended up saving about 1,500 dollars in total interest and incentives combined.
Another buyer I met through a local EV club financed his new EV9 through a credit union because they offered a longer 84-month term. His payments were slightly lower, but he missed out on a cashback rebate that Kia was running that month. These real examples show that the best choice often depends on your credit score, term preference, and timing.
Credit Score Requirements for Kia EV Financing
Kia Finance generally provides its best rates to buyers with credit scores above 700. Scores between 650 and 699 are still eligible for standard rates but may require larger down payments. If your credit score is under 600, it is smart to apply through both Kia Finance and a bank to compare offers.
Improving your score before applying, even by a small margin, can make a meaningful difference in interest paid over time. Paying down revolving debt and checking for credit report errors are simple ways to prepare for better approval chances.
Example of Cost Difference Between Kia Finance and Bank
| Lender | APR | Loan Amount | Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|---|---|
| Kia Finance | 3.9% | 55,000 | 60 months | 1,011 | 5,660 |
| Local Bank | 5.9% | 55,000 | 60 months | 1,058 | 8,480 |
By choosing Kia Finance, the buyer in this example would save roughly 2,800 dollars in interest across five years.
Conclusion
The 2025 Kia EV6 and EV9 prove that electric driving can be powerful, practical, and surprisingly affordable when financed wisely. Kia Finance continues to offer some of the most competitive electric vehicle rates on the market, especially when you factor in loyalty bonuses and government incentives.
Before signing, compare Kia’s offer with at least one local bank or credit union quote. Use the Kia Finance Calculator to see how down payments and APR changes affect your monthly cost.
With a bit of preparation and the right timing, you can drive away in a new Kia EV6 or EV9 knowing you secured a fair deal and maximized your savings.
Frequently Asked Questions
1. What are the current Kia EV6 and EV9 finance rates for 2025?
Most Kia dealers are offering rates between 2.9 and 4.9 percent for qualified buyers through Kia Finance. These rates vary by region and credit profile, so check with your dealer for the most accurate information.
2. Can I apply federal tax credits directly with Kia Finance?
Yes. In many cases, Kia Finance can apply federal EV credits directly at the point of sale, which lowers your financed amount immediately. Ask your dealer to confirm eligibility for your model and configuration.
3. What credit score is required for the best Kia EV financing rates?
A credit score above 700 generally qualifies for the lowest available APRs. Buyers with scores in the 650 to 699 range may still be approved but might see slightly higher interest rates.
4. Does Kia Finance cover home charging equipment?
Some dealers allow you to include the cost of a home charging station in your financing plan. This lets you spread the cost across your loan rather than paying upfront.
5. Is it better to lease or finance a Kia EV6 or EV9?
Leasing can work well for those who like upgrading every few years, while financing makes more sense if you plan to keep the vehicle long term and benefit from equity. Compare both options based on your driving habits and future plans.
