Finance your Kia lease buyout and keep driving
Thinking about keeping your Kia at lease end? A buyout loan pays your Kia Finance America payoff so the car is yours. Champion Auto Finance coordinates that financing with lenders across every credit tier.
Buying out a Kia lease
Most Kia leases are held by Kia Finance America (formerly Kia Motors Finance). Your lease contract lists a residual value — the price to buy the car at lease end. Instead of turning in your Sportage, Telluride, Forte, or EV6 and starting a new lease, you can finance the payoff and own it. That’s lease buyout financing in a nutshell.
Why buy out a Kia? If your model’s current value is near or above the residual, or you’re over your mileage allotment, buying out can be cheaper than the alternatives — and it avoids lease-end wear and mileage charges.
How the Kia Finance America payoff works
- Request your payoff Get your buyout figure from Kia Finance America.
- Confirm the details The quote generally reflects residual value plus applicable taxes and fees.
- Apply with Champion We match your vehicle and payoff to lenders across tiers.
- Sign and fund The lender pays Kia Finance America and the title transfers to you.
What you’ll usually need
- Your Kia Finance America payoff quote
- Vehicle details — VIN, year, model, mileage
- Proof of income and identity
- Any buyout instructions specific to your Kia contract
Over your mileage cap? A buyout can sidestep overage fees — see buying out an over-mileage lease.
Frequently asked questions
Can I finance a Kia lease buyout?
Yes. If your Kia lease allows a purchase, you can finance the payoff with an auto loan. Champion Auto Finance coordinates that loan with lenders across multiple credit tiers, subject to approval.
Who holds my Kia lease?
Kia leases are generally held by Kia Finance America (formerly Kia Motors Finance). Your payoff quote and buyout instructions come from them.
How do I find my Kia payoff amount?
Log in to your Kia Finance America account or call them to request your buyout figure. It typically reflects the residual value in your contract plus applicable taxes and fees.
Is a Kia buyout a good idea?
It can be when your model’s market value is at or above the residual, or when you simply want to keep a car you like and trust. Compare the numbers before you decide.
Do I need a big down payment?
Not necessarily. Many buyout loans require little or no money down, though a down payment can lower your monthly payment. See our down payment guide.
Ready to finance your Kia buyout?
Send us your Kia payoff and details. We’ll coordinate a clear approval across every credit tier.
Apply Now →