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Happy Kia First Time Buyer Program

Are you a first-time car buyer?
With limited or no credit history?

The Happy Kia First Time Car Buyer Program is the best way to drive a new Kia or a certified pre-owned vehicle with low rates, easy terms and an excellent way to establish a credit history.

  • Available on New and Used Vehicles.
  • Minimum Credit Score: 0.
  • First automotive secured loan or credit transaction.
  • Qualified applicants are eligible for standard rates.
  • Up to 150% advance.
  • Up to 84 months maximum term.
  • Minimum of $0 total down payment required (total down payment may include rebate cash).
  • No adverse credit history. No bankruptcies, foreclosures, repossessions, collection accounts, charge-offs, tax liens, judgments, or any other delinquent credit.
  • Verifiable (paystub, W-2, etc.) monthly income sufficient to cover vehicle payment, ordinary living expenses and all currently outstanding debt, if any.
  • Payment to applicant's gross income from primary job cannot exceed 15%.

Disclaimer: For this program to apply to you, you need to have no previous car credit and no negative marks on your credit reports. You also must have an income of $2,000 or more monthly. We aim to help our customers get into the car, truck, or SUV which fit their lifestyle at a price that they can afford.