Used Kia Optima Under £15,000 – No Deposit & Bad Credit

Searching for a Kia Optima under £15,000? Explore our available range of flexible PCP and HP finance options.

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2.0h GDi 11.26kWh Sportswagon 5dr Petrol Plug-in H Kia Optima

45,000 miles 2019 Zero Deposit

Home Delivery Available

£14,495

£304/month

Example

CRDI 3 ISG 4-Door Kia Optima

54,858 miles 2019 Zero Deposit

Home Delivery Available

£13,995

£294/month

Example

2.0 PHEV 5d 202 BHP Kia Optima

95,000 miles 2019 Zero Deposit

Home Delivery Available

£13,950

£293/month

Example

1.6 CRDi 3 Sportswagon DCT Euro 6 (s/s) 5dr Kia Optima

32,161 miles 2019 Zero Deposit

Home Delivery Available

£13,500

£283/month

Example

1.6 CRDi 3 Euro 6 (s/s) 4dr Kia Optima

14,000 miles 2019 Zero Deposit

Home Delivery Available

£13,495

£283/month

Example

1.6 CRDi 3 Euro 6 (s/s) 4dr Kia Optima

14,000 miles 2019 Zero Deposit

Home Delivery Available

£13,495

£283/month

Example

2.0h GDi 11.26kWh Sportswagon Auto Euro 6 5dr Kia Optima

58,000 miles 2019 Zero Deposit

Home Delivery Available

1.7 CRDi 3 Sportswagon DCT Euro 6 (s/s) 5dr Kia Optima

32,514 miles 2017 Zero Deposit

Home Delivery Available

1.6 CRDi 3 Sportswagon Euro 6 (s/s) 5dr Kia Optima

75,000 miles 2019 Zero Deposit

Home Delivery Available

1.7 CRDi ISG GT-Line S 5dr DCT Kia Optima

0 miles 2017 Zero Deposit

Home Delivery Available

£11,995

£252/month

Example

1.6 CRDi 2 Kia Optima

36,500 miles 2019 Zero Deposit

Home Delivery Available

£11,995

£252/month

Example

1.7 CRDi 3 Sportswagon 5dr Diesel DCT Euro 6 (s/s) Kia Optima

58,000 miles 2018 Zero Deposit

Home Delivery Available

1.7 CRDi GT-Line S Sportswagon 5dr Diesel DCT Euro Kia Optima

79,000 miles 2018 Zero Deposit

Home Delivery Available

CRDI 2 ISG * FSH + 74MPG * Kia Optima

62,594 miles 2017 Zero Deposit

Home Delivery Available

£11,391

£239/month

Example

1.6 CRDi 3 Sportswagon DCT Euro 6 (s/s) 5dr Kia Optima

109,500 miles 2018 Zero Deposit

Home Delivery Available

£10,695

£224/month

Example

2.0h GDi 11.26kWh Sportswagon 5dr Petrol Plug-in H Kia Optima

78,949 miles 2018 Zero Deposit

Home Delivery Available

1.6 CRDi ISG 3 5dr (HALF LEATHER+SAT NAV+REVERSE CAMERA) Kia Optima

103,000 miles 2019 Zero Deposit

Home Delivery Available

1.7 CRDi 3 Sportswagon DCT Euro 6 (s/s) 5dr Kia Optima

74,091 miles 2018 Zero Deposit

Home Delivery Available

£10,090

£212/month

Example

1.6 CRDi 3 Sportswagon Euro 6 (s/s) 5dr Kia Optima

75,000 miles 2019 Zero Deposit

Home Delivery Available

£10,000

£210/month

Example

1.6 CRDi 3 Sportswagon 5dr Diesel DCT Euro 6 (s/s) Kia Optima

85,700 miles 2018 Zero Deposit

Home Delivery Available

£9,999

£210/month

Example

1.7 CRDi 4 Saloon 4dr Diesel DCT Euro 6 (s/s) (139 Kia Optima

64,263 miles 2017 Zero Deposit

Home Delivery Available

1.6 CRDi 3 Sportswagon Euro 6 (s/s) 5dr Kia Optima

80,591 miles 2019 Zero Deposit

Home Delivery Available

£9,825

£206/month

Example

1.6 CRDi 3 Sportswagon DCT Euro 6 (s/s) 5dr Kia Optima

86,891 miles 2018 Zero Deposit

Home Delivery Available

1.7 CRDi 4 Saloon 4dr Diesel DCT Euro 6 (s/s) (139 Kia Optima

68,310 miles 2015 Zero Deposit

Home Delivery Available

£9,495

£199/month

Example

1.6 CRDi 2 Sportswagon 5dr Diesel Manual Euro 6 (s Kia Optima

64,301 miles 2019 Zero Deposit

Home Delivery Available

£9,490

£199/month

Example

1.7 CRDi 4 Saloon 4dr Diesel DCT Euro 6 (s/s) (139 Kia Optima

70,000 miles 2015 Zero Deposit

Home Delivery Available

1.7 CRDi 3 Sportswagon DCT Euro 6 Kia Optima

74,910 miles 2017 Zero Deposit

Home Delivery Available

1.6 CRDi 2 Sportswagon Euro 6 (s/s) 5dr Kia Optima

62,678 miles 2018 Zero Deposit

Home Delivery Available

1.6 CRDi 3 Sportswagon Euro 6 (s/s) 5dr Kia Optima

88,730 miles 2019 Zero Deposit

Home Delivery Available

1.6 CRDi 3 Sportswagon 5dr Diesel Manual Euro 6 (s Kia Optima

87,263 miles 2019 Zero Deposit

Home Delivery Available

£9,000

£189/month

Example

1.6 CRDi 2 Euro 6 (s/s) 4dr Kia Optima

55,000 miles 2018 Zero Deposit

Home Delivery Available

1.7 CRDi 2 Sportswagon 5dr Diesel Manual Euro 6 (s Kia Optima

69,000 miles 2018 Zero Deposit

Home Delivery Available

£8,995

£189/month

Example

1.6 CRDi 3 Kia Optima

98,000 miles 2019 Zero Deposit

Home Delivery Available

£8,995

£189/month

Example

CRDI 3 ISG Kia Optima

109,000 miles 2017 Zero Deposit

Home Delivery Available

£8,990

£189/month

Example

1.7 CRDi 3 Saloon 4dr Diesel Auto Euro 5 (134 bhp) Kia Optima

42,720 miles 2015 Zero Deposit

Home Delivery Available

1.7 CRDi 2 Sportswagon 5dr Diesel Manual Euro 6 (s Kia Optima

62,795 miles 2016 Zero Deposit

Home Delivery Available

£8,695

£182/month

Example

Other Kias of the Same Budget

Finance Calculator: How Much Can You Afford to Spend On A Car?

What's your Loan Amount? £8,000

What's your Loan Term?

4 Years

My Credit Score is

£200.90

48 monthly repayments

Best available rate 9.9%

Total cost of credit £1,643.20

Total repayment £9,643.20

Get a quote No impact on your credit score

Representative example:

Borrowing £9,000 over 60 months with a representative APR of 21.9%, an annual interest rate of 21.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.28 per month, with a total cost of credit of £5,296.90 and a total amount payable of £14,296.90

We’re rated Excellent on Trustpilot

4.9 out of 5 on 3640 Reviews

31/08/2022

I was looking for a new car and looked…

I was looking for a new car and looked at a few different options for finance. They were very quick to respond and explained how I would be able to find the car I needed and were very helpful with every question I asked. It was processed quickly without a problem. Very friendly on the phone and offered support throughout process.

Customer

31/08/2022

Very quick and easy experience I…

Sully was fantastic Very quick and easy experience I applied got accepted quickly and chose a car easily, my car is due to be delivered today

Tan

28/08/2022

Super helpful!

Saad was super helpful and made everything really easy for me. Always communicated and really looked for the best deal in my budget. Would definitely recommend!

Bethan

29/08/2022

Highly recommend

Dean was amazing and provided a great service. I was unsure about the cars and regularly changed my mind but he didn’t seemed phased and was always happy to help. Extremely friendly and professional service. Thank you

Bhav

23/08/2022

Chris helped me make sure it was the…

Chris helped me make sure it was the right deal for me if I had any questions he was there to answer them

Martin

18/08/2022

Brill customer service

Brill customer service, assisted in helping me find the right car for me, great customer service. I had a lad called Micheal assist me great asset for he company.

Rachel

17/08/2022

Dealt with Dean and he is so…

Dealt with Dean and he is so professional & very helpful. His knowledge and confidence helped in being able to find the right car.

Mandi Leadbitter

12/08/2022

Faultless

craig was very helpful and knew his stuff when it came anything extra that needed to be sorted the whole experience was quick incisive and to the point thank you craig for sorting my new vehicle out

Darren James

11/08/2022

SUPERB!!

Absolutely amazing service from this company, had Remi to help me throughout the process and got my car financed and delivered within two days. Would definitely recommend this company and Remi to everyone! Written by one happy customer.

Kayleigh

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No Deposit Car Finance for Kia Optima Under £15,000

Zero deposit car finance for cars under £15,000 - no upfront costs and affordable monthly payments to get you driving today. Bad credit is considered.

Bad Credit Car Finance for Kia Optima Under £15,000

Get approved today with flexible terms and affordable monthly payments. Previous defaults, CCJs, and poor credit history are considered.