Kia car loan and financing, 2026

Aditya Aman, author and expressway expert based in Manila, PhilippinesBy Published Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

9 Kia models, from the Soluto at ₱698,000 to the EV9 at ₱5,938,000. With 20% down over 5 years, the lowest monthly payment is ₱11,708 at UnionBank.

Models with a price
9
Price range
₱698,000 to ₱5,938,000
Lowest monthly
₱11,708, Kia Soluto (20% down, 60 months, UnionBank)
Banks named by the brand
The current Rain or Shine promo (Aug 15-Sep 30, 2026) names only Bank of the Philippine Islands (BPI) as the 'Kia Financing Scheme' partner: "The following are our trusted bank partners, namely: a. Bank of the Philippine Islands (BPI)". UnionBank is a separate, non-loan partnership (PayEasy credit-card installment for the down payment, announced Jul 31, 2026), not part of this promo's bank-partner list. No single page lists more than one bank at a time.

Kia monthly payment by model

Starting price of each model and its monthly payment at UnionBank, the bank with the lowest monthly for 60 months.

ModelPrice from20% downMonthly, 20% downMonthly, 30% down
Kia Soluto₱698,000₱139,600₱11,708₱10,244
Kia Sonet₱778,000₱155,600₱13,050₱11,418
Kia Seltos₱1,098,000₱219,600₱18,417₱16,115
Kia K2500₱1,238,000₱247,600₱20,765₱18,170
Kia Carens₱1,570,000₱314,000₱26,334₱23,042
Kia Sorento₱2,188,000₱437,600₱36,700₱32,113
Kia Carnival₱2,888,000₱577,600₱48,441₱42,386
Kia EV6₱3,788,000₱757,600₱63,537₱55,595
Kia EV9₱5,938,000₱1,187,600₱99,600₱87,150

Which Kia fits your budget

Set a monthly budget, down payment and term. Switch brands to compare.

Down payment
Pay over

₱25,000 a month finances a car up to ₱1,490,461 with 20% down over 60 months at UnionBank. 4 models fit.

Starting prices from each model's lowest variant. Monthly payments exclude insurance and one-time charges.

How Kia financing works

Kia dealers arrange a bank auto loan at the showroom. What Kia offers beyond that, on its own site:

Banks named by the brand
The current Rain or Shine promo (Aug 15-Sep 30, 2026) names only Bank of the Philippine Islands (BPI) as the 'Kia Financing Scheme' partner: "The following are our trusted bank partners, namely: a. Bank of the Philippine Islands (BPI)". UnionBank is a separate, non-loan partnership (PayEasy credit-card installment for the down payment, announced Jul 31, 2026), not part of this promo's bank-partner list. No single page lists more than one bank at a time.
Brand financing plans
Kia offers no used or certified pre-owned financing, no leasing and no a balloon payment plan of its own; its dealers finance through banks.

Promo bank lists change often. Bank vs dealer financing, compared.

Questions

How much is the monthly payment for a Kia car?

With 20% down over 60 months at UnionBank, the Kia Soluto (from ₱698,000) costs ₱11,708 a month and the Kia EV9 (from ₱5,938,000) ₱99,600. Every model's monthly payment is in the table on this page.

Does Kia have in-house financing in the Philippines?

Kia dealers arrange financing through banks. The current Rain or Shine promo (Aug 15-Sep 30, 2026) names only Bank of the Philippine Islands (BPI) as the 'Kia Financing Scheme' partner: "The following are our trusted bank partners, namely: a. Bank of the Philippine Islands (BPI)". UnionBank is a separate, non-loan partnership (PayEasy credit-card installment for the down payment, announced Jul 31, 2026), not part of this promo's bank-partner list. No single page lists more than one bank at a time.. Compare those banks' rates for your model before you sign.

Financing for other brands

Carmaker finance companies: Toyota Financial Services and Mitsubishi Motors Finance.