Program "KIA Easy!" - reviews, conditions and features

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Kia is a Korean car manufacturer. This brand is very popular among Russian motorists. The range of KIA models is very diverse and includes the most popular classes of urban cars, including compact, small, SUVs, minivans and executive cars. In this article, we will take a closer look at each class of KIA brand cars, and also get acquainted with the KIA Easy! program that has entered into force. Check out the reviews below.

For convenience, we will present car classes in ascending order of price and, accordingly, status.

Small class for the city

One of the manufacturer's most popular car class. There are only two models in the class - Picanto and Rio. The cost of the first one starts from 500 thousand rubles. It is produced in five-door and three-door versions. This is ideal for city driving. He will passeven in the narrowest part of the yard and allows you to maneuver in traffic jams. The design is authentic and catches the eye of passers-by. "Picanto" can be equipped with a 1 or 1.2 liter engine with a capacity of 66 and 85 horsepower. The three-door hatchback can be equipped with an automatic or manual transmission. The interior design can be selected depending on the individual taste of the buyer, which is a distinctive moment of the KIA policy from others.

"RIO" is becoming increasingly popular not only in Russia. Among the models there is a hatchback and sedan option. The new design gave the car a bit of sporty flair. Engines can be 1.4 and 1.6 liters of 107 and 123 horsepower, respectively. Gearboxes can be either automatic or mechanical. Reviews about the program "KIA easy!" abound.

Compact middle class

The main car of this group, of course, is the Sid, which represents a very diverse range. The main model is a five-door hatchback of a rather bold design. This model has gone through two restyling and has acquired many additional improvements. The Sid SV model is produced in a station wagon body type.

The second restyling led to the appearance of the three-door "Kia Sid pro". For both models, five- and three-door sports versions were also produced, which are identified by the addition of the letters "GT". The cost of the latter starts from 1.2 million rubles,however, their functionality is wider. They are equipped with turbocharged engines of 1.6 liters, whose power is 204 horsepower. That is, in addition to the standard five-door hatchback, this model range consists of four modifications.

There is also another model in this class - "Serato", which is essentially a "Sid", but in a sedan-type body. Before restyling, the car was produced in a coupe-type body. This model is produced in three trim levels: comfort, luxury and prestige. In the maximum version, the price of a car starts from 1.1 million rubles. According to customer reviews, the credit program "KIA is easy!" very popular.

Business Class

Represented by two models of executive class cars "Optima" and "Quoris". The first one is not particularly pretentious and luxurious; it is quite an ordinary business class car. In appearance close to the "Rio". However, their similarity is deceptive. The cost of "Optima" starts from 1.2 million rubles. The second model of executive cars of the KIA brand is Quoris. This is a large and comfortable car. Perhaps only Hyundai Ekus can become a competitor to him in Korea. Korean automakers have learned how to make really good business class cars at a relatively low price - from 2.4 million rubles.

Minivans

This class is represented by only one Venga model. It is small in size, comparable to the Picanto, but quite spacious inside. The cost is from 800 thousand rubles. Reviews about the program "KIAeasily!" are of interest to many.

Crossovers and SUVs

The most popular KIA crossover is the Sportage. The increased demand for this car is created by its low price, comfort and good quality. "Soul" is the youngest in the line of crossovers and, due to its angular shape, more like a minivan. The car is quite unusual, but, unfortunately, underestimated and rarely bought. Sorento has been produced for a very long time, it is a veteran of KIA. There have been more than one generation of these cars and several restylings.

There is a luxury version in the line of models, namely "Prime". Mojave is the flagship of the Korean auto industry among SUVs. In the simplest configuration, its price starts from 2.3 million rubles. It is considered a big car and feels confident on any roads and surfaces, under any conditions, even off-road. What do the reviews say, is it worth taking the KIA Easy! automobile? Let's find out.

KIA Easy! Program

From mid-June 2016, KIA representative offices launched a new loan program in St. Petersburg and Moscow, bringing together the efforts of KIA Finance and Cetelem Bank. A loan called "KIA is easy!" based on a residual value guarantee. You can get it for the purchase of the most sought-after and popular Rio and Sid models. The purpose of this loan program is to attract a new customer base through the availability of payments. Action for issuing a loan "KIA easy!" will give customers the opportunitypurchase additional options or accessories without a significant increase in the amount of the monthly payment. This rule also applies to the choice of vehicle equipment, since the program allows you to purchase a better package of options than for cash. Feedback on the credit program "KIA easy!" confirm it.

Benefits

Unlike conventional lending programs, "KIA is easy!" has three significant advantages. These include:

1. Minimum down payment on a loan, starting from 20% of the cost of the car.
2. Minimized monthly payments. Approximately half as much as with conventional lending schemes.
3. Car Residual Value Guaranteed. Issued by a banking organization.

Two options to choose from

Credit period is 2 or 3 years under the contract. Once this period has passed, the buyer has two options:

1. Exchange the car under the trade-in program for a new one and continue to use it, covering the balance of the loan amount (approximately 45%).
2. Return the warranty car to the bank. The residual value under the guarantee is a little less than half of the original price of the car and, as a rule, it becomes enough to fully repay the loan ahead of schedule. Feedback on the lending program "KIA easy!" are shown below.

Good move

Alex Gurin, director ofsales of KIA Finance, called the new lending program "KIA easy!" a key tool to maintain sales levels in the second half of 2016 at a high level. The launch of the program was a successful step on the part of KIA, along with the emergence of new models. The car loan program from KIA presents a profitable offer for several groups of buyers. The conditions of the program are understandable and attractive even for those buyers who have not thought about buying a car, especially with a loan. And for more experienced motorists, the program is interesting in that it provides the opportunity to choose a more complete set or a car of the highest category than the one considered initially. "KIA is easy!" helps customers to update the car more often, which significantly increases brand loy alty.

Reviews about the program "KIA easy!"

There are quite a lot of reviews of those who were directly involved in the KIA Easy! program on the Internet. People complain mainly about the right of the bank to change the conditions under which the loan is issued, as well as interest rates. The presence of compulsory life insurance when applying for a loan also increases the loan amount by an order of magnitude. Some describe a situation where an online calculation of the loan amount and monthly payments was made on the official website, and when contacting a car dealership or bank directly, the amount changes.

This directly depends on the individual conditions of the bank and the credit history of the borrower, as well as on the package of documents provided to them. It is possible to refuse life insurance, but, as follows fromreviews, quite often serves as a basis for disapproving a loan with a residual payment "KIA easy!".

Residual value also raises many questions, buyers' opinions differ. Some call this a definite advantage, since this lending option allows you to exchange a car for a new one after a certain period of time. Others consider this item of the program a disadvantage, since not everyone can afford to pay loan payments every month, while saving the remaining 45% of the original amount.

We reviewed the terms of the KIA Easy! program.