Apply for Financing

Premier Kia of Carlsbad has an excellent selection of new and pre-owned Kia vehicles, and we eagerly await your arrival regardless of your financial status or credit situation. You can drive home with one of our amazingly large Kia Sorentos or the compact but adventurous Kia Souls, each at a price and rate you can afford. Our finance team aims to help individuals and build a path towards vehicle ownership if they are first time buyers, buyers with low credit scores, or buyers with a poor financial history. Residents from Carlsbad, Vista, Oceanside, Oceanside and surrounding regions are invited to come and see how they can take home one of our many quality Kia vehicles.

Bad Credit Financing

The finance team at Premier Kia of Carlsbad is waiting to help you explore your options for loan rates that can meet your current financial obligations. Buyers with bad credit are welcome to speak with a finance representative and find out how we can tailor rates to match your lifestyle. We work closely with our customers as it pertains to their credit rating and make financial information easier than ever to submit via an online application. If any of the following apply to you, you may still qualify for vehicle ownership:

  • Home/property foreclosure
  • Asset repossession
  • Bankruptcy
  • Divorce
  • Late or missed payments

Our dealership has helped many residents of the Carlsbad region with low credit take home one of our many exciting vehicles available. Our team at Premier Kia of Carlsbad can help you go through your credit report line by line to help certain factors improve. We can also help you take home a vehicle with low down payments and even in some cases no down payments.

Subprime Loans

Our dealership gives you the option of utilizing sub prime loans for those who have a less than ideal credit rating. We can walk you through the process of utilizing a subprime loan that can fit with your current financial limitations. Kia drivers from all over the region have taken advantage of our subprime loan offerings, and gave them a new opportunity to help build back their credit. Find out how a subprime loan can work with your lifestyle based on your credit score, customized interest rates, and the length of your loan.

Easy Approval Process

At Premier Kia of Carlsbad, getting into your next Optima or Forte is easier than ever with quick and easy access to our credit form available on our website. You can access this online form nearly anywhere with your computer or smartphone. Once submitted, our finance team will contact you if any further information is needed as well as financing options. On our website you can also use our payment calculator to predict your overall costs by setting interest rate, term length, and down payment.