Managing your Kia loan or lease is simple once you know where to go and what to do. This guide covers everything — login, bill payment, phone numbers, addresses, rates, and current deals — all in one place.
What Is Kia Finance America?
Kia Finance America (KFA), also known as Kia Motors Finance (KMF), is the official financing division of Kia Motors America. It handles auto loans and lease agreements for new and pre-owned Kia vehicles across the United States.
Their official website is kiafinance.com — this is where you manage everything related to your Kia financing.
Kia Finance America Login
Website: www.kiafinance.com
How to log in:
- Go to kiafinance.com
- Click Sign In at the top right
- Enter your username and password
- Complete security verification if prompted
New user? How to register: You will need your Kia Finance account number or VIN, last 4 digits of your SSN, date of birth, and a valid email address.
Login problems?
- Forgot password → Click “Forgot Password” on login page or call 1-800-333-4542
- Account locked → Call customer service to unlock
How to Pay Your Kia Finance Bill
Kia Finance offers multiple payment methods to suit every customer.
Pay Online
Log in at kiafinance.com and make a one-time or scheduled payment directly from your bank account. Payments submitted before 8:00 p.m. Eastern post the same day. After 8:00 p.m., they post the next business day.
AutoPay
Set up automatic monthly payments so you never miss a due date. Enroll through your online account or call (866) 331-5632. Note: AutoPay enrollment also activates paperless billing automatically.
Pay by Phone
| Option | Number | Fee |
| Automated System | (866) 498-4455 | $3.95 |
| Live Representative | (866) 644-1350 | $7.95 |
Pay by Mail
Write your account number on your check or money order and send to:
Retail Loan Payments: Kia Finance America, P.O. Box 650805, Dallas, TX 75265-0805
Lease Payments: Kia Finance America, P.O. Box 660891, Dallas, TX 75266-0891
Overnight Mail: HCA Exchange Inc., KFA Payment Processing Dept CH 14301, Palatine, IL 60055-4301
Pay via Western Union or MoneyGram
- Western Union locations: (800) 325-6000
- Western Union Quick Collect: (800) 634-3422
- MoneyGram locations: (800) 926-9400
Convenience fees apply for both services.
Kia Finance America Phone Numbers
| Purpose | Number |
| Customer Service | (866) 331-5632 |
| Password Reset | 1-800-333-4542 |
| Automated Payment | (866) 498-4455 |
| Live Payment Rep | (866) 644-1350 |
| Western Union | (800) 634-3422 |
| MoneyGram | (800) 926-9400 |
Hours: Monday – Friday, 8:00 a.m. to 9:00 p.m. Eastern Time
Kia Finance America Address
| Purpose | Address |
| Retail Loan Payments | P.O. Box 650805, Dallas, TX 75265-0805 |
| Lease Payments | P.O. Box 660891, Dallas, TX 75266-0891 |
| General Correspondence | P.O. Box 20825, Fountain Valley, CA 92728 |
| Credit Disputes | P.O. Box 20835, Fountain Valley, CA 92728 |
| Overnight Payments | HCA Exchange Inc., Palatine, IL 60055-4301 |
Kia Finance America Payoff Address
Want to pay off your loan early or buy out your leased Kia?
Log in to kiafinance.com, go to Payoffs and Titles, and get your current payoff quote along with the correct mailing address.
Important: Payoff balances change daily as interest accrues. Always get a fresh quote before sending payment. The payoff address is different from your regular payment address — never use the standard payment address for a payoff check.
Lease buyout note: Customers in Colorado, Florida, Hawaii, Indiana, Pennsylvania, South Dakota, South Carolina, and Washington D.C. must complete lease buyouts through a Kia dealership — not directly online.
Kia Finance Rates
Kia Finance America does not publish fixed rates because they vary per customer based on:
- Credit score — higher score means lower APR
- Loan term — shorter terms typically get better rates
- New vs pre-owned — new vehicles qualify for better offers
- Down payment — larger down payment can improve your rate
- Current promotions — Kia runs limited-time APR deals regularly
Rate range: Standard rates for qualified buyers typically fall between 5% and 9% APR. During promotional periods, rates can drop as low as 0% APR for well-qualified buyers on select models.
Kia Finance Deals, Specials and Offers
Kia Finance America runs three main types of promotions throughout the year:
Low APR Financing — Reduced or 0% interest for qualified buyers on select new models. Usually available for limited periods only.
Cash-Back Offers — Upfront cash back as an alternative to low APR deals. In some cases, taking cash back and financing through your own bank saves more money overall.
Lease Specials — Monthly lease deals on popular models including the Kia Sportage, Telluride, Sorento, and EV6 with reduced monthly payments and lower upfront costs.
Check kia.com for current monthly offers before visiting any dealership.
Account Management — What You Can Do Online
Once logged in to kiafinance.com you can:
- Make and schedule payments
- Set up or cancel AutoPay
- View full payment history
- Download monthly statements
- Update personal and contact information
- Request a due date change (retail accounts only — up to 2 times per contract, once per year, max 20 days)
- View current payoff amount
Frequently Asked Questions
What is the Kia Finance America login website? www.kiafinance.com
What is the Kia Finance customer service number? (866) 331-5632 — Monday to Friday, 8:00 a.m. to 9:00 p.m. Eastern.
How do I pay my Kia Finance bill by phone? Automated: (866) 498-4455 with a $3.95 fee. Live rep: (866) 644-1350 with a $7.95 fee.
Can I change my payment due date? Yes, on retail accounts only — up to twice per contract, once per year, by a maximum of 20 days. Lease accounts are not eligible.
Does Kia Finance offer 0% APR? Yes, during promotional periods on select new models for qualified buyers. Check kia.com for current offers.
