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Kia Lease Deals in Western Pennsylvania: How a Kia Lease Works

Kia lease deals at Mike Kelly Kia

The Kia lease deals running now are in our new Kia specials. Those deals change from month to month, so it pays to check them before you settle on a model.

A lease deal is only as good as its fit. On a Kia lease, the miles you agree to at signing and the condition of the car when you bring it back both shape what you pay by the end. Below, you'll find what to check in any deal and how a lease through Kia Finance America (Kia Finance for short), Kia's official finance company, works from the day you sign to the day it ends.

View Kia Specials
Table of Contents
  • View Kia Specials
  • How to Read a Kia Lease Deal
  • Leasing or Buying a Kia
  • How a Kia Lease Works
  • Choosing Your Miles Here in Western Pennsylvania
  • Extra Miles and Wear
  • How a Kia Lease Ends
  • Leasing Your Next Kia With Us
  • Frequently Asked Questions

How to Read a Kia Lease Deal

Understanding the terms of a Kia lease deal

Every Kia lease deal in our specials comes down to the same few terms. Before you choose one, check each of them against your own driving and budget:

  • Lease length: the number of months the deal runs, and whether that matches how long you want to keep the car.
  • Mileage allowance: the miles a year the deal is built on. Compare it with the miles you actually drive in a year, and if you need more, you can buy additional miles up front.
  • What you pay up front: the amount the deal asks for when you sign, which is part of what the lease costs you.
  • Charges at the end: a per-mile charge for any miles over your allowance, plus a turn-in fee if you don't buy the car. Both are easy to overlook, since neither is due until the lease ends.
  • The fine print: the terms that come with each deal. Read every line before you decide.

To compare deals, line them up on these same terms. Before you commit, our finance team can walk you through any deal and how its length and miles fit the way you drive.

Leasing or Buying a Kia

Comparing leasing and buying a Kia

Kia Finance compares leasing a Kia with buying one on these points.

Factor Leasing a Kia Buying a Kia
Payments Usually lower monthly payments, and usually less up front, than a financed purchase over the same term Set by the vehicle price, your down payment and trade-in value, the interest rate and the length of the term
Miles A mileage allowance you choose before you sign No limit, though more miles tend to lower resale or trade-in value
Condition Inspected after you turn it in, and excess wear can be charged Less worry about the vehicle's condition
Ownership You can buy the vehicle when the lease is up Full ownership once the final payment is processed and the lien is released
Changing cars A chance to drive a new car every 2 to 3 years Keep it as long as you like, since it is yours

A lease tends to suit drivers whose miles are steady and predictable, who keep a car in good shape and who like to change cars regularly. Buying tends to suit drivers who put on a lot of miles, plan to keep the car for years or would rather skip a condition inspection at the end.

During a lease, the factory warranty may cover qualifying repairs, within its limits. For the full terms, see Kia's Warranty and Consumer Information Manual or Kia warranty details.

How a Kia Lease Works

How a lease through Kia Finance America works

With a Kia lease, you pay only for the part of the vehicle you use over the course of the lease. The lease figures in this guide describe Kia Finance America's general program, and your own lease contract is what applies to you. Lease lengths are flexible, usually 24 to 48 months.

Before you sign, you also set the number of miles you plan to drive during the lease, and that number becomes your mileage allowance. Kia Finance calls 12,000 to 15,000 miles a year typical.

Choosing Your Miles Here in Western Pennsylvania

Choosing a Kia lease mileage allowance for Western Pennsylvania driving

We suggest picking your allowance based on the driving you really do, not the driving you hope to do. Add up the miles in a normal week, then multiply by 52 for a yearly figure.

Here in Western Pennsylvania, think about where your week takes you. Our store sits on Route 8 (Pittsburgh Road), the main road south toward Cranberry Township and Pittsburgh. Cranberry Township itself is about 20 miles north of the city. If you drive south for work, count every round trip, then add the longer runs on the Pennsylvania Turnpike, I-79 or I-80.

Once you have a yearly total, set it beside the allowance on any deal you are considering. If your total runs above what Kia Finance calls typical, plan on a higher allowance before you sign.

Extra Miles and Wear

Mileage and wear considerations at the end of a Kia lease

Two things about the car itself can add charges at the end of a Kia lease: the miles on it and its condition.

Miles Over Your Allowance

Understanding excess mileage on a Kia lease

Every mile past your allowance adds to what you owe at lease end. Kia Finance lists the excess mileage charge at $0.20 a mile over your allowance; the figure in your own lease contract is the one that applies.

Wear and Use at Turn-In

Assessing wear and use before returning a leased Kia

Kia Finance offers a Lease-End Self-Assessment on its website to help you find possible excess wear and use and estimate the charges. Its lease-end to-do list puts the self-assessment in the last couple of months of the lease, which leaves time to act on what it finds. The self-assessment gives an estimate only; final wear and use charges are set by a formal inspection at the Kia dealer after the vehicle is turned in.

How a Kia Lease Ends

Planning for the end of a Kia lease

Kia Finance America mails a Lease-End Kit 4 months before your lease contract ends, and you can also download a print-friendly copy. When the lease is up, you have 3 choices:

Your Choice What It Involves
Buy your leased Kia Start with your Kia dealer, a Kia Finance Lease-End Advisor or a buyout quote, which shows what it costs to buy the car.
Return it Bring it back to your Kia dealer after working through the turn-in checklist, and pay any lease-end charges.
Return it, then lease or buy a new Kia Return your current Kia the same way, then choose your next one, which may qualify you for the Loyalty Reward below.

The Disposition Fee

Understanding the Kia lease disposition or turn-in fee

If you don't buy your leased Kia, a disposition fee, also called a turn-in fee, is due at the end of the lease. The amount varies by lease and is set in your contract.

Kia Finance's Loyalty Reward

Kia Finance Loyalty Reward at lease end

The Loyalty Reward is for drivers who return their lease and then lease or finance a new Kia through Kia Finance within 60 days. It covers the disposition fee up to $400 and excess wear and use charges up to $500, up to $900 in total. Whether you qualify depends on your lease contract and Kia Finance's terms, and we can help you check during your visit.

The Turn-In Checklist

Preparing to return your leased Kia

If you are returning your Kia, Kia Finance's turn-in checklist runs in this order:

  1. Schedule a turn-in appointment with your Kia dealer. To bring it back to us, contact us to book the appointment.
  2. Clean the vehicle inside and out.
  3. Remove any garage door remotes and toll tags.
  4. Return all the equipment originally provided with your Kia:
    • Keys and keyless remotes
    • The printed manual that came with the car
    • Headrests
    • Cargo covers or nets, if it has them
    • License plates (check your state's rules on returning them)
  5. Cancel any automatic lease payments, including any set up through your bank.
  6. Download the Odometer Disclosure Statement from Kia Finance America's website.

Returning every piece of that equipment may prevent unnecessary fees.

If you can't find any of these Kia Finance lease-end tools, contact us and we'll point you to them.

Leasing Your Next Kia With Us

Finding your next Kia at Mike Kelly Kia in Butler

Frequently Asked Questions

Is a Kia lease shorter than financing?

It can be. Kia Finance says a financed purchase usually runs 24 to 72 months, while its leases usually run 24 to 48 months.

If I finance through Kia Finance instead, what do I get after the last payment?

You get your title, a lien release or an electronic lien-release letter after your final payment is processed. Once the lien is released, you own the car free and clear.

Who can explain my lease-end options?

A Kia Finance Lease-End Advisor can give you specific details on each option. Kia Finance suggests reaching out to one as your lease nears its end.

Do I need to fix damage before I turn in my Kia?

That is your call. Kia Finance suggests making any repairs you decide are needed before the lease is up, to help avoid charges at the formal inspection after turn-in.

Does the Loyalty Reward cover miles over my allowance?

No. It covers only the disposition fee and wear charges, so any miles past your allowance are still charged at the rate in your lease contract.

Kia 10 Year/100,000 Mile Warranty | Mike Kelly Kia in Butler, PAWarranties include 10-year/100,000-mile powertrain and 5-year/60,000-mile basic. All warranties and roadside assistance are limited. See retailer for warranty details.

Picture may not represent actual vehicle. Price varies based on Trim Levels and Options. See Dealer for in-stock inventory & actual selling price. Online pricing subject to verification by dealership and subject to errors and omissions. All prices plus tax, title & Doc Fee ($490), with approved credit.