Are dealers required to offer Kia Finance as an option?

[Jasonarmstrong]

Just curious because when I bought my 2023 gt2 in july they told me no kia financing. Also no loyalty discount. The finance thing bugs me as I used kia financing before.

 

[StingertimeNC]

depends on the price. I'm sure most would offer it, but it may be easier for them to add markup on non-Kia finance options, especially if they had discounted the price of the car for instance.

 

[JSolo]

Finance mgr will offer you financing that makes the dealership greatest profit. Doesn't matter if you're 800+ credit score. Unless the mfg is offering some kind of low interest rate (0, .9, 1.9%, etc.) be prepared with your own financing or accept the dealer's but refi asap. Good idea to negotiate car price before financing. In the financing office, play the game of accepting a higher rate if they'll reduce the purchase price even further.

It seems this year there were no promos/rebates unlike last year. The car market is still poor with supply chain issues.

Last aug I was offered 5% which included a $1000 ($920 effective after taxes) rebate. I took it and ran. Didn't matter what the dealer was offering as I was going to refi it at 1.99% immediately (within the first week). Following morning I got the loan info from KMF and started the refi process.