i25 Kia: Longmont & Denver Kia Dealer | New & Used Cars | Kia CPO Cars
Easy Finacing with i25 Kia
Finance a New Kia or Used Vehicle
At i25 Kia, our car loan & Kia lease specialists aren't just good with numbers. they're good with people. That's why so many new Kia and used car buyers near Longmont, Boulder, Denver, Fort Collins, Greeley and Loveland areas choose us. They like the fact that car loans and leases at i25 Kia are custom crafted to people's unique circumstances. And perhaps more important, our car loan and Kia lease specialists are happy to translate all of the confusing, and might we add yawn-inspiring, fine print. That way, you'll leave feeling nothing but confident in your purchase.
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Our experienced car loan specialists are here to help you along the way.
Leasing vs. Buying a New Kia
A new Kia lease makes it even easier to get you into the car you want. At i25 Kia, our financing and leasing team is ready to help you get into the new car you want, now. Just ask any of our customers- the i25 Kia team provides the ultimate in customer care and service, including expert financing and leasing services. From 24-hour test drives to top trade-in values, we take care of every customer, starting with the first showroom visit. Kia cars give you the ultimate in reliability and design, and as Colorado's Kia volume dealer, our experience gives you the advantage in finding the best leasing options for your needs.
Leasing vs. Buying
Confused about the difference?
To learn more, watch our Leasing vs. Buying Video here
First of all, what is a lease?
A car lease requires you to make regular payments to the lessor in exchange for the use of a vehicle for a fixed period of time. The payments are calculated to cover the expected vehicle depreciation during the term of the lease.
How it works
Once you've selected the vehicle and options you want, our leasing team will help guide you through the leasing process. We consider a number of factors when drafting a lease agreement including; how long you plan to keep the vehicle, annual mileage needs, residual value at lease end, and value of any trade-in or down-payment. Understanding these items will help you select suitable lease features, including length of lease, payment amount and frequency, mileage allowance and cash due upon signing.During the lease period, you make payments at the specified frequency. At the end of the lease period, assuming no excessive wear-and-tear, you can either buy the car at a pre-determined price or return the vehicle to the dealership.
Differences Between Leasing and Buying a Car
Buying Leasing
Term Length A new car loan typically runs for 24- 72 months. Leases typically run for a shorter term (24- 48 months).
Mileage Limits You're free to drive as many miles as you want. (But higher mileage lowers the vehicle's trade-in or resale value.) Most leases limit the number of miles you may drive. often 12,000 to 15,000 per year. (You can negotiate a higher mileage limit.) You'll have to pay charges for exceeding your limits.
Monthly Payments Loan payments are usually higher than lease payments because you're paying off the entire purchase price of the vehicle, plus interest and other finance charges, taxes, and fees. Lease payments are almost always lower than loan payments because you're paying only for the vehicle's depreciation during the lease term, plus interest charges (called rent charges). taxes, and fees.
Upfront Costs They include the cash price or a down payment, taxes, registration and other fees. They typically include the first month's payment, a refundable security deposit, a down payment, taxes, registration and other fees.
Customization The vehicle is your to modify or customize as you like. Any custom parts or modifications need to be removed before returning the car. You are responsible for the cost of fixing any residual damage
Equity Your equity is the re-sale value less any money you owe on the car. Most vehicles lose value over time, so your equity is usually shrinking. You do not own the leased vehicle and your payments do not build equity. You are not exposed to losses when the resale value of your leased vehicle decreases.
Misconceptions About Leasings
Owning a car is cheaper than leasing:
If you plan on owning your car for a very long time, ownership can be more cost effective than leasing. However, if you plan to upgrade to a new car every 2-5 years, there is very little cost difference between leasing and ownership.
You are stuck with the vehicle for the full term of the lease:
While a lease is a legal obligation, there are several ways to exit your lease. Returning the vehicle to the dealership and Incurring a penalty charge is one option. Another option is to arrange your own lease transfer, whereby you find someone to take-over your lease. With a lease transfer, a nominal transfer fee may apply.
Lease-end Inspections Result in Costly Wear and Tear Charges:
When you return your leased vehicle, you are responsible for excessive wear and tear. It's not realistic to expect the vehicle to come back in brand new condition, so reasonable wear is acceptable and won't incur extra charges. If your car has excessive wear, you have the option to pay the damage charges or repair the damage, at a shop of your choice, prior to returning the vehicle.
Leases Are Only for Low Mileage Drivers:
Your lease payments take into account your anticipated mileage. It's true that higher mileage leases do have higher payments. However, the extra mileage costs are in line with the extra depreciation you would experience when logging lots of miles on a purchased vehicle.
Car Leasing Has Benefits
Lower Monthly Payments:
Because lease payments are designed to cover the cost of depreciation over the lease term, you are only responsible for a small portion of the total vehicle cost. This means lease payments are generally less than car loan payments.
Reduced Maintenance Costs:
Kia provides standard 5 year, 60,000 mile warranty coverage on all new vehicles. This ensures bumper-to-bumper warranty coverage throughout the term of your lease.
Save on Taxes:
When you lease a vehicle, you do not own it. So instead of paying taxes on the full vehicle price, you only pay tax on the difference between the purchase price and the residual value. The taxes are included in the lease payments, allowing you to spread-out the burden over the term of the lease.
Enjoy new models:
With leasing, your term dictates how often you put yourself into a new vehicle. Short 24, 36 and 39 months ensure you get to enjoy the latest models and styles.
Flexible Terms:
Kia offers a range of innovative lease options, including 12,000 and 15,000 mile leases. The range of lease options available means you will find a lease to suit your needs.
Should I buy or lease?
Q. Do you tend to keep your cars for longer than 5 years? 

If no, a lease can be a good option for you.
Q. Is it important to you to drive newer model cars?

If yes, a lease can be a good option for you.
Q. Are lower monthly costs more important than owning the vehicle?

If yes, a lease can be a good option for you.
Q. Are you comfortable negotiating the sale of your used car?

If no, a lease can be a good option for you.
Q. Do you plan to customize your vehicle with aftermarket accessories?

If no, a lease can be a good option for you.