Kia

Kia of Stockton

6215 Holman Road
Directions & Hours Stockton, CA 95212

  • Sales: (866) 709-4364
  • Service: (866) 979-0392
  • Parts: (877) 268-3088
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Kia First Time Buyer Program in Stockton CA


Being a first-time car buyer doesn't have to be worrisome. Kia Motors Finance (KMF) is pleased to announce retail financing promotions available for eligible First Time Buyer* customers on all eligible new Kia vehicles. If you've never had a previous automotive secured loan/credit on your credit report, you may be eligible.

A new Optima, Forte, Forte Koup, Soul (excluding EV), or Rio may only be a phone call or email away.  Contact one of our sales associates to see if you qualify.

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*KMF First Time Buyers Program

Eligible Vehicles

  • New and untitled Optima, Forte, Forte Koup, Soul (excluding EV), and Rio models
  • Demonstrators and service loaner vehicles of the above listed models with less than 6,000 miles
Program Parameters
  • This transaction is customer's first automotive vehicle secured loan or credit transaction.
  • Requires minimum six months at current job or qualified co-buyer.
  • Up to 100% Advance.
  • Up to 72 months maximum term.
  • Excludes credit tiers 7 & 8 for terms greater than 60 months.
  • Minimum of $1,000 total down payment required. Total down payment may include rebate cash.
Credit Requirements
  • 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%.
  • Total monthly debt to monthly income ratio of 50% or less. Total monthly debt includes, if applicable: monthly vehicle payment, monthly rent or mortgage payments, other monthly payment obligations (installment loans, revolving loans, alimony or support payment, etc.).
  • Subject to additional KMF credit guidelines.
  • See dealer for complete details.

Offer valid through 12/31/17 and may be terminated at any time.