Affordable Used Kia Optima for sale on Finance in Lincoln
Find and finance your next Kia Optima in and around Lincoln with ChooseMyCar
Reviews 3640 • Excellent
ChooseMyCar operates as a credit broker, not a lender. We offer a variety of car finance options to suit different needs, including popular choices like Hire Purchase (HP) and Personal Contract Purchase (PCP), as well as specialised services. Our goal is straightforward: to make car financing easy and accessible for everyone. Interest rates start from 9.9% APR. For example, if you borrow £9,000 over 60 months months with a REPRESENTATIVE APR of 21.9% and no deposit, the monthly payment would be £238.28. The total cost would be £5,296.90, making the total amount payable £14,296.90.
Kia Optima for Sale on Finance
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Bad Credit Kia Optima deals in Lincoln
Get approved for Kia Optima finance in Lincoln, even with poor credit history. Our specialist lenders understand your circumstances, offering flexible solutions to make your dream Kia Optima achievable.
With dedicated account managers and access to multiple finance partners, we help secure competitive rates regardless of your credit score.
Zero Deposit Kia Optima deals in Lincoln
Drive a quality used Kia Optima in Lincoln with no deposit needed. Choose from our extensive range of pre-owned Kia Optima models and start driving without upfront costs. Our specialist lenders offer flexible monthly payments on used Kia Optima vehicles, making your car ownership journey start sooner.
Why trust ChooseMyCar Kia Optima in Lincoln?
We make car ownership effortless with zero deposit options and competitive finance rates that fit your budget. Our outstanding 4.9/5 Trustpilot rating demonstrates our commitment to customer satisfaction, while our partnerships with reputable dealerships ensure you get a quality Kia every time. Plus, with convenient home delivery available across Lincoln, getting your perfect Kia Optima has never been simpler or more affordable.
Learn more about the Kia Optima
The Optima has put Kia right in the middle of the saloon market, and it has the looks and equipment to compete. It is aiming to take on Ford’s Mondeo and Volkswagen’s Passat, among others.
Now in its second generation, the Optima has been refined with sharper styling.
The Optima is available in two trim levels; the 2 and 3. Standard equipment includes 17-inch alloy wheels, Bluetooth, and music streaming. A seven-inch touchscreen system with sat-nav, a reversing camera, and DAB radio are fitted as standard to the 2 trim and above.
The 3 adds to the entry-level equipment by offering 18-inch alloys, eight-inch touchscreen, Harman-Kardon stereo system, and heated front seats. External chrome detailing is also a feature.
The Optima is also available as an estate, called the Sports Wagon. It is offered in the same trim levels as the saloon, providing the same standard equipment.
Engines on the Optima are limited to diesels only. There is just one engine available for the saloon and estate, a 1.6L. The Sports Wagon offers an automatic gearbox – unlike the saloon.
Finance Calculator: How Much Can You Afford to Spend On A Car?
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
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