No Fee Payment Options

Pay via Website

Pay via Virtual Chat Assistant

You may be eligible to make a one-time payment through our virtual chat assistant

Pay via Mail

Make a Payment with a Fee

Pay via Phone

Pay In Cash

Kia Finance America does not accept post-dated payments in the mail. Payments made via www.kiafinance.com or over the phone using a bank account and routing number may be scheduled in advance. Note: ATM/Debit card payments cannot be post-dated or scheduled in advance.

Any individual has the ability to make a payment on a Kia Finance America account provided they are an authorized signer on the bank account being used. The individual must provide the Kia Finance America account number, payment information, and specify the amount they will be paying.

Payments will post to your KIA Finance America account for the selected scheduled date if submitted prior to 8pm Eastern time on any day. Payments submitted after 8 p.m. Eastern time will be posted to your account on the next business day. It may take up to 24 hours from the posting date for the payment to be reflected in your online payment history. It may take up to 5-7 days for your payment to be reflected in your bank account. For issues concerning your bank account, please consult your bank or financial institution if necessary.

KIA Finance America does not offer refinancing at this time. For alternate options, please visit your financial institute or nearest dealership or visit our Featured Offers page for exclusive deals.

You may schedule your automatic payment for an amount that is more than your regular monthly payment amount, but not less than your regular payment amount.

Create an account or log in and enroll in Autopay to set up your recurring* payments.

* Please note that Autopay will continue to draft the payment amount selected until:

Your account is fully paid off. Your autopay schedule will automatically end after payoff.

or

Your selected autopay schedule ends.

or

Until you cancel your autopay via www.kiafinance.com

If you live in a state that has property tax, autopay will not draft the added due amount.

Your account must be current. Recurring payments may be set up via your online account by 8pm EST on your due date or any date before your payment is due.

* Please note that Autopay will continue to draft the payment amount selected until:

Your account is fully paid off. Your autopay schedule will automatically end after payoff.

or

Your selected autopay schedule ends.

or

Until you cancel your autopay via www.kiafinance.com

If you live in a state that has property tax, autopay will not draft the added due amount.

The following may be reasons why you may not be able to schedule an automatic payment:

• You have less than 3 payments remaining on your account.




• Your account may be past due. Once the account is brought current, you may schedule a recurring payment.




• There may have been multiple returned payments. You may be eligible to resume using automatic payments after making three consecutive on-time payments.

You may cancel your AutoPay schedule and create a new Autopay schedule with updated information by visiting the Payments section of our website.

No. After setup, the recurring payment schedule will continue to draft the payment amount selected until the scheduled end date unless it is cancelled* by you. It is recommended to set up recurring payments for the original term of your contract. Additionally, it is your responsibility to stop any recurring payments set up through a dealership, third party bill-pay service or your financial institution.

*You may cancel your Autopay at any time online. If you live in a state that has property tax, autopay will not draft the added due amount.

Eligible customers may request a one-month payment deferment through our website. Please click here for additional details and to submit your request.

AutoPay may fail to draft for any of the following reasons:

• Wrong payment details were entered. Please double check your ABA (routing number) and account #.
• A payment was attempted but failed: Review your bank statement to determine if the payment has posted. If the payment was reversed by your bank, contact your bank.
• Your recurring payment was scheduled to end: Prior to the end of any recurring payment schedule, an email will be sent to the email address entered upon recurring payment schedule setup. Review your email inbox including your junk or spam folder to determine if an email has been received.
• Your recurring payment schedule has been cancelled.
• If your recurring payment schedule was set up through a dealership, bank, or other third party bill-pay service, contact them for information. If your recurring payment schedule was set up through Kia Finance America, Contact Us for more information.

Any costs associated with the operation of the vehicle are your responsibility. This includes personal property tax which is charged based on your garaging/registration address and may also be referred to as excise tax, ad valorem, or motor vehicle tax. If you believe you are exempt from property tax or have been charged incorrectly, contact your local tax authority to determine if you are eligible for exemption or abatement.

*If you live in a state that has property tax, auto-pay will not draft the added due amount. It is your responsibility to ensure that all payments made are sufficient to cover any Property tax balance.

Sales tax amounts for lease accounts may be changed in accordance with state laws or as a result of a change to the garaging/registration address on your account. In certain states, other fees that may have been assessed to your account are subject to sales tax. If you believe your sales tax has been changed in error or would like more information Contact Us. 

We are prepared to help. Assistance may be available if you suffered damages from a previous, federally declared disaster. Please click here for additional details and to submit your request.

Yes! If you go paperless, you will receive an email notification when your monthly statement is available for viewing online. To enroll:

• 1. Login to your KIAFINANCE.com account




• 2. Click My Account




• 3. Select the My Profile tab




• 4. Choose the Paperless Statements checkbox

Note: When you sign up for automatic recurring payments, you will automatically be enrolled in our Paperless program, as well as enjoy the ease of having your payment automatically debited from your bank account each month.

• 1. Login to your KIAFINANCE.com account




• 2. Click Payments




• 3. Select the Statements tab

Once you see your billing statement online, you may also print and/or save a copy for your records. Your previous 12 months statements are available online.

Your billing statement is available online approximately 20 days before your payment due date. You should receive a billing statement from Kia Finance America approximately 10 days before your due date. You can sign up to receive an e-mail alert when your statement is available for viewing online:

• 1. Login to your KIAFINANCE.com account




• 2. Click My Account




• 3. Select the My Profile tab




• 4. Choose Email Alerts and check the box next to My Statement is Available to View Online

You should view your statement online to determine if it has been generated, and verify the statement address is correct.

To register online for the first time:

• 1. Register here or click the Not Registered? link from the homepage




• 2. You will need the following information to register your account:
  • Your account number
  • Last 4 digits of your Social Security Number
  • Date of birth
  • Valid email address

To view your billing statement online:

• 1. Login to your KIAFINANCE.com account




• 2. While logged in, at the top of the page, click Payments




• 3. Select the Statements tab

To update your address:

• 1. Login to your KIAFINANCE.com account




• 2. While logged in, at the top of the page, click My Account




• 3. Select the My Profile tab




• 4. Choose Account information to make any necessary changes to your mailing, billing, and/or garaging address for lease vehicles




• 5. Click Save

There are several possible reasons for multiple payments being due:

• The total amount due includes fees or charges not included with your regular monthly payment amount. The statement may have been printed prior to receipt of the most recent payment. Review your payment history online to compare the statement date with the date of your payment.




• The payment may have been reversed or returned: Review your bank statement to determine if the payment has posted. If the payment was reversed by your bank, contact your bank.




• The payment may be missing or misapplied. Contact Us so that we may attempt to locate your payment. Please have the following information where applicable:
  • Confirmation number

  
  

  • Check number

  
  

  • Payment amount

  
  

  • Payment submission date

  
  

  • Payment posting date from your bank account

You will need to provide some basic  information such as: personal identification, contact, and income information. We value your privacy and security, our online Privacy Policy explains how we protect your privacy while using our website.

Within minutes, you’ll receive a credit decision. If approved, you will receive an Approval Certificate, valid for 30 days from the date it’s issued, which you can use at the Kia dealer that you selected in your credit application. The Kia dealer you selected may also contact you to schedule an appointment or to discuss your financing needs.

In some cases, Kia Finance America and the dealer you selected to apply for credit with may need more information to finalize a credit decision. You will be provided with additional instructions should this be the case.

Your selected dealer is not participating in the online credit application program. You can visit your local Kia dealer to apply in person or choose another dealer and apply online.

The website and the online credit application lists the manufacturer’s suggested retail price (MSRP). The final vehicle price will be agreed upon by you and the dealer.

A FICO^® Score is a three-digit number that is used by lenders to evaluate your credit risk based on your credit history at a particular point in time. It influences the credit that is available to you, as well as the terms that can be offered when a credit decision is made.

It is also commonly referred to as simply a "credit score" or "credit rating."

View our available Frequently Asked Questions About the FICO^® Score (PDF) publications for more detailed information about the FICO^® Score, credit, and how they affect your financial health.

Yes. Kia Finance America allows you to view your FICO^® Score through your online account -- just one of the many perks of doing business with Kia Finance America!

No. This is an entirely complimentary benefit provided to our customers.

You must:

• 1. Have an existing and active finance or lease contract with Kia Finance America




• 2. Be the primary account holder for your Kia Finance America account (as determined by the account owner on the vehicle finance or lease contract)




• 3. Have sufficient credit history to allow calculation of a score

You only need to opt in at enrollment; no additional information is needed. Your FICO^® Score is automatically pulled quarterly using some of your Personally Identifiable Information for the purpose of managing your account with us, and this score is now being made available for you to see as well.

It should be noted that all Personally Identifiable Information used in this way is intended solely to retrieve your FICO^® Score and remains protected under the terms of our Privacy Policy.

Your FICO^® Score can only be accessed through your KIAFINANCE.com online account.

Follow these steps to access your FICO^® Score:

• 1. Create or login to your KIAFINANCE.com online account




• 2. On the Account Summary page, click the "FICO^® Score" image located on the right side of the page




• 3. You must opt in by checking the box to accept the "Terms & Conditions," then click "Enroll Now"




• 4. Your FICO^® Score (if available) will now automatically appear in the FICO^® Score display section on your Account Summary page!

Feel free to opt out at any time by going to the My Profile tab, selecting the Preferences bar, and unchecking the box stating View My FICO^® Score Online.

Your FICO^® Score will update automatically on a quarterly basis (approximately every 90 days) for as long as you have an active finance or lease contract with Kia Finance America. Check back each quarter to see your most current score.

Kia Finance America has partnered with FICO and Experian to provide you with your FICO^® Auto Score 8 based on Experian data.

You also have the right to obtain a free credit report annually from each of the three major consumer reporting agencies. To request a copy of your credit report from all agencies, please visit AnnualCreditReport.com

Unfortunately only the primary account owner as determined by the terms of the finance or lease contract can access his or her FICO^® Score.

The option to access FICO^® Scores will only appear to customers who currently have a FICO^® Score on file that can be retrieved. Customers who have recently purchased or leased a vehicle with us will most likely not have a score available at this time. Once customers are registered in our database as a FICO^® Score program participant, we will be able to provide a quarterly score.

If this is the case, check back with your KIAFINANCE.com online account on a later date. We update our database of participants every quarter, and the option should automatically become available within approximately 90 days

It is likely that you do not have sufficient information in your credit file or do not fulfill the minimum requirements to have a FICO^® Score.

Refer to our available Frequently Asked Questions about the FICO^® Score (PDF) publication for information on how you can meet the minimum eligibility requirements.

The FICO^® Score program will remain available to customers and updated quarterly for up to a year after the completion of your finance or lease contract with Kia Finance America.

After that time, if you have no other active contracts on your account, you will no longer be able to access your FICO^® Score through your KIAFINANCE.com account.

There are many different credit scores available to consumers and lenders. FICO^® Scores are the credit scores used by most lenders, but different lenders (such as auto lenders and credit card lenders) may use different versions of FICO^® Scores. In addition, FICO^® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO^® Scores.

The FICO^® Auto Score 8 based on Experian data that is being made available to you through this program is the specific score that we use to manage your account. When reviewing a score, take note of the date, consumer reporting agency, credit file source, score type, and range for that particular score.

For more information on the various factors that contribute to your FICO^® Score, refer to our available Frequently Asked Questions About the FICO^® Score (PDF) publication.

Unfortunately we have discontinued the FICO^® Score program via mail. It has since migrated entirely online and is only accessible through your KIAFINANCE.com online account. We apologize for any inconvenience.

Fortunately, opting in is fast, easy, and free through your KIAFINANCE.com online account!

View our available Frequently Asked Questions About the FICO^® Score (PDF) publications for more detailed information about the FICO^® Score, credit, and how they affect your financial health.

Because your FICO^® Score is based on the information in your credit report, it is very important to make sure that the credit report information is accurate. You may get a free copy of your credit report annually. To request a copy of your credit report, please visit AnnualCreditReport.com.

Please note that your free credit report will not include your FICO^® Score. If you have questions on your report, you can contact Experian at 888-397-3742.

A payoff/buyout quote can be obtained online or over the phone. On retail accounts, a payoff quote is provided on every statement. Login and click the Pay My Bill Now button and select the Payoff Quote tab to obtain a payoff/buyout quote online or Contact Us to request a payoff quote using our automated phone system or a Customer Service agent.

Lease customers who have their vehicle garaged/registered in any of the following states: Colorado, Indiana, Pennsylvania, District of Columbia, Florida, South Dakota, Hawaii, or South Carolina will need to contact any  licensed dealer in your garaging/registration state to obtain your lease buyout quote.

Retail Customers
Mail a check or money order for the full payoff amount, along with your account number, to:

• Kia Finance America
  P.O. Box 650805
  Dallas, TX 75265-0805

Or overnight:

• Kia Finance America
  Box 650805
  1501 North Plano Road Suite 100
  Richardson, TX 75081

We will mail the title or lien release to the primary address on record for the account. Please let us know if you would like us to mail the release to a different address by contacting us at (866) 331-5632. To mail the title or lien release to a third-party, the primary account holder must provide written authorization.

Lease Customers
Lease payoff checks must be made payable to Kia Finance America Mail a check or money order for the full payoff amount, along with your account number, and a completed Odometer Disclosure Statement to:

• Kia Finance America
  PO Box 660891
  Dallas, TX 75266-0891

Or overnight:

• Kia Finance America
  Box 660891
  1501 North Plano Road Suite 100
  Richardson, TX 75081

Note: The odometer statement is required to complete the processing of your payoff. In North Carolina, Massachusetts, Rhode Island, and Connecticut, we will mail a bill of sale which will need to be signed and faxed/mailed back for title release.

No, retail and lease accounts may be paid off at any time without a penalty.

The payoff is calculated on the current principal balance. The payoff amount will include interest for 21 days from the date the payoff is quoted. Any overpayment refund will be issued within 15 business days. Payoffs may include outstanding fees (late fees, returned check fees, etc.) owed on the account.

Retail payoffs:

Payoffs made with non–certified funds, such as online, over the phone, or personal checks in the mail, the title will be released 10 days after the date the full payoff amount is applied to the account. For payoffs made with certified funds or a cashier’s check, the title will be released within 5 days after the date the full payoff amount is applied to the accountor atany earlier time, if required by applicable state law.

• For customers in states with electronic titles, titles will be released electronically to your state. The title will be mailed automatically by the DMV to your address that we provide to them. You may contact your local DMV for approximate mailing time frames.

Lease buyouts:

Title will be mailed to the primary address on record for your account when the full buyout amount and an odometer statement is received. In North Carolina, Massachusetts, Rhode Island, and Connecticut, we will mail you a bill of sale which will also need to be signed and returned to us to release your title.

If the state associated with the garaging/registration address uses an electronic title, you will receive a paid-in-full letter instructing you to visit the DMV and request a paper title. You will be charged a fee by the DMV.

Retail Accounts:
Payments maximums made online vary from state to state. Payoffs may need to be made in separate transactions or using a different payment method. For questions Contact Us

Lease Accounts:
In certain states, payments of up to $25,000 may be made online. Contact Us to determine whether your payoff/buyout may be made online and for important documentation requirements.

Upon moving out of state, registering your vehicle for the first time may require additional documentation from Kia Finance America. Our State-to-State Transfer is the process of transferring your title from state to another as a result of a customer’s move. Completion of this process allows you to register your vehicle in your new home state.

To begin the State-to-State transfer process:

• 1. Contact your local DMV for instructions. They may provide you with a form to fill out.




• 2. Update the address on your account online, or Contact Us to make the change.




• 3. If the DMV requires documentation from Kia Finance America, fax your written request or from provided by DMV to (714)368-7844. The request must include:

  
  

  • Your Kia Finance America account number
  • The VIN of your vehicle
  • A callback number for you
  • The state you are moving from
  • Your new address
  • The name, address, and phone number of the DMV where the documents need to be sent
  • A list of documents being requested, which may include the title, a letter of permission, a limited power of attorney, etc.




• 4. If you prefer to mail your request, you may mail it to:

  
  

  • Kia Finance America
    Attn: Titles Department
    6100 W. Plano Pkwy., Ste 2000
    Plano, TX 75093

Regarding the state-to-state transfer process, please be aware of the following:

• 1. If the DMV doesn’t require the original title or if you have your title, we will send the required documents to them within 10 business days from receipt of your request. We use 2-3 day shipping and can provide tracking numbers once the documents are sent. Contact Us 10 business days after submitting your request if you would like the tracking number for your documents.




• 2. If the DMV requires the original title, and:

  
  

  • Your current title is paper, we will send the documents to the DMV within 10 business days of your request via FedEx 2-3 day shipping.

  
  

  • Your current title is electronic, we will need to request that your original state print the title and mail it to us. We will send the request within 3 business days of receiving your state to state transfer request, but because the length of time it takes for us to receive the paper title is determined by the state, we do not have an estimated length of time for this part of the process. Contact the DMV in your previous state for more information. When we receive the paper title from them, we will mail it to the new DMV within 10 business days.




• 3. Every DMV is different. When they receive the documents we've sent them, they may not contact you immediately. Additionally some DMV's have a limited period of time during which they will hold the documents. Because of this, we recommend you stay in contact with your DMV to confirm they have received the requested documents.




• 4. If you would like to check the status of your State-to-State transfer request, or have additional questions, Contact Us

The option to purchase the leased vehicle typically at the scheduled end of the lease term for a fixed price plus a predetermined purchase option fee. Refer to the lease contract for specific terms and conditions.

State Departments of Motor Vehicles (DMVs) are experiencing processing delays, due to office closures, limited staffing, appointment requirements, and ongoing mail latency. Processing times  are ranging from 45 to 180 days for a number of requests, including title processing, state transfers, name changes, printing titles, and mailing paid-in-full titles.

When a retail finance account is paid in full, we will notate our lien release on the vehicle’s title and mailed it the primary address on record for your account.

• Payoffs made with non–certified funds (such as online, over the phone, or personal checks in the mail):
      o    The title will be released within 15 business days after the date the full payoff amount is applied to the account.
• Payoffs made with certified funds or a cashier’s check:
      o    The title will be released within 10 business days after the full payoff amount is applied to the account.
• Release times may vary, if required by an applicable state regulation.
        

  Alaska	1 Business Day
  New York	1 Business Day
  District of Columbia	3 Business Days
  Massachusetts	3 Business Days
  Tennessee	3 Business Days
  Pennsylvania	5 Business Days
  Missouri	5 Business Days
  Oklahoma	7 Calendar Days
  Ohio	7 Calendar Days

For customers in states with electronic titles:
We will notify your state DMV to notate our lien release on the vehicle’s title.  The DMV will then mail out the title free and clear of our lien.  You may contact your local DMV for approximate mailing time frames.  We will send you a paid-in-full letter which will also include instructions to visit the state DMV and request a new paper title in the event you need to do so.

When you buyout your leased vehicle, the title will be mailed to the primary address on record for your account when the following are received:

• Buyout amount (request a buyout quote by logging into your account)
• Completed Odometer Statement (complete an Odometer Statement electronically)   

In addition: 

• Vehicles garaged in North Carolina, Massachusetts, Rhode Island, or Connecticut:
        o     A Bill of Sale be mailed to you to be signed and returned to us to release your title.
• Vehicles garaged in Illinois:
        o     An IL ST-556 Form will be mailed to you to be signed and returned to us to release your title.

You can also log into your account and complete the necessary forms (Odometer statement and Bill of Sale) through the document request page.  Please allow up to 3 business days for processing once we receive all required documents.
Release times may vary, if required by an applicable state regulation, once all required documents are received.

Upon moving out of state, registering your vehicle for the first time may require additional documentation from Kia Finance America. Our State Title Transfer process consists of transferring your title from one state to another as a result of a move. Completion of this process allows you to register your vehicle in your new home state.

Important:
If you are requiring a name change on the title, and also in need of a state transfer process, please choose and proceed only with the State Transfer process. 

To begin the State Transfer process:

1.     Update all applicable addresses on your account online.
2.     Contact your local DMV for instructions. The DMV may provide you with a form to fill out. If no form is available, you may send us a written request. The request must include:

3.     Choose one of the following methods to provide documentation:

• The request must include:

IMPORTANT:

Regarding the State Title Transfer process, please be aware of the following processing times:

• If your current title is paper, we will send the documents within 10 business days of your request.



Paper Title Programs

Retail	Lease
OR, WY, UT, NM, ND, AR, IL, IN, TN, MS, AL, WV, ME, VT, NH, MA, RI, CT, NJ, DE, MD, HI, AK, WA, CO, IA, OH	All states with the exception of SD



• If your current title is electronic, we will need to request that your original state print the title and mail to us. The entire process can take 4-8 weeks. The length of time it takes for us to receive the paper title is determined by the state. Please contact the DMV in your previous state for more information.



Electronic Title Programs

Retail	Lease
CA, ID, NV, AZ, SD, NE, TX, LA, WI,MA, PA, VA, NC, SC, GA, FL	SD

• In the below states our customer holds the title.  Please locate the title that you received from your original state to take to your new state’s DMV. If you do not have your original title, you will need to apply for a duplicate title and then surrender it to your new state.

MO, MI, OK, MD, KS, KY, NY, MT, MN



• We recommend you stay in contact with your DMV to confirm they have received the requested documents. Every DMV is different. When the DMV receives the documents we have sent, they may not contact you immediately. Additionally, some DMV locations have a limited period of time during which they will hold the received documents.

You may submit a request online to correct or update your name:

• Marriage Certificate
• Divorce Decree
• Court Documents

• Important: Driver’s licenses or others forms of ID will not be accepted

You may submit a request online to update your Certificate of Title:

1. Update your name in the My Profile tab

2. Once you upload your proof of name change document(s) select the check box, “Apply this name change to Title as well”

3. Enter your local DMV or Tax office name, address, phone and fax number

IMPORTANT:

Regarding the Name Change process, please be aware of the following processing times:

• If your current title is paper, we will send the documents to the provided DMV or Tax office within 10 business days of your request.
  
  
• If your current title is electronic, we will need to request that your title be printed and mailed to us.  The entire process can take 4-8 weeks.  The length of time it takes for us to receive the paper title is determined by the state. Please contact your local DMV or Tax Office for more information.
  
  
• If you reside in the following states, you hold your title.  Please locate the title you received from the state to take to the DMV or Tax Office.  If you do not have your original title, you will need to apply for a duplicate title.
    o    States where the customer holds the title: MO, MI, OK, MD, KS, KY, NY, MT, and MN
  
  
• We recommend you stay in contact with your DMV or Tax Office to confirm they have received the required documents.  Every DMV is different.  When the DMV receives the documents we have sent, they may not contact you immediately.  Additionally, some DMV or Tax Office locations have a limited period of time during which they will hold the received documents.

If you have a joint account, it is possible to provide consent for a name to be removed from the Certificate of Title if one of the account holders:

• is deceased
  
  
• has a suspended driver's license
  
  
• is incarcerated
  
  
• is medically indisposed
  

Please note that in the case of an account holder who is incarcerated or has a suspended license, the request must be received from the person whose name is to be removed or their appointed individual with Power of Attorney. If you choose to remove your name from a Certificate of Title, you are relinquishing all of your rights and ownership interests to the vehicle. Even if your name is removed from a Certificate of Title, you will continue to be fully responsible for the debt and all other obligations under your contract. As such, please carefully consider your request to remove your name from the Certificate of Title.

To request that a name be removed from the title, please:

• Log in to your account, and initiate the Name Removal process and submit required documents OR
  
  
• Fax a written request with a detailed explanation of your request, your KFA account number, the name address, phone and fax number of your local DMV or Tax Office, and any supporting documentation (proof of suspended license, legal documents for incarceration, death certificate, letter from physician, DMV paperwork, Power of Attorney, will or probate, etc.)
  Fax to:
  (844) 309-3167 Attn: Titles Department OR
  
  
• Mail to:
  
      o   Kia Finance America
          Attn: Titles Department
          6100 W. Plano Pkwy., Ste 2000
          Plano, TX 75093
  

Note the address provided above is different from the payment address printed on your monthly statement.

• The DMV will require an Odometer Disclosure Statement with any title transfer and a complete change in ownership for Oregon customers.

    o   This applies to vehicle model years 2011 or newer, and no longer applies once the vehicle is 20 years old or older

IMPORTANT:
Regarding the Name Removal process, please be aware of the following processing times:

• If your current title is paper, we will send the documents to the provided DMV or Tax office within 10 business days of your request.
• If your current title is electronics, we will need to request that your title be printed and mailed to us.  The entire process can take 4-8 weeks.  The length of time it takes for us to receive the paper title is determined by the state. Please contact your local DMV or Tax Office for more information.
• If you reside in the following states you hold your title.  Please locate the title you received from the state to take to the DMV or Tax Office.  If you do not have your original title, you will need to apply for a duplicate title.  States where the customer holds the title: MO, MI, OK, MD, KS, KY, NY, MT, and MN.

We recommend you stay in contact with your DMV or Tax Office to confirm they have received the required documents.  Every DMV is different.  When the DMV receives the documents we have sent, they may not contact you immediately.  Additionally, some DMV or Tax Office locations have a limited period of time during which they will hold the received documents.

Because Kia Finance America is the owner of leased vehicles, some DMV’s may require a limited power of attorney for registration renewal. Contact Us to request a limited power of attorney.

In some states, KFA may receive the Registration Renewal notice and/or tags by mail. Once we have received the registration renewal/tags, we well forward them to the address on your account.

If using existing license plates, you’ll need a plate release letter from KFA. Fax a written request for a plate release letter to (714)965-3972. The request must include your KFA account number and the license plate number you’re requesting including any applicable symbols.

If you need to order new plates, you’ll need a letter of permission from KFA. Fax a written request for a letter of permission to (714)965-3972. The request must include your KFA account number and the license plate number you’re requesting including any applicable symbols.

Please allow 24-72 hours from when your request is received to process and allow 7-10 business days for requested items to arrive via mail.

Residual value is the value of the vehicle at the end of the scheduled lease term, as estimated or assigned at lease signing. This value is used in calculating the base lease payment.

Any costs associated with the operation of the vehicle are your responsibility. This includes personal property tax which is charged based on your garaging/registration address and may also be referred to as excise tax, ad valorem, or motor vehicle tax. In the following 13 states, property tax is charged on all tangible property, including the use of motor vehicles

• Arkansas 
• Connecticut 
• Kentucky 
• Louisiana (New Orleans Only) 
• Massachusetts 
• Missouri 
• Nebraska 
• North Carolina 
• Rhode Island 
• South Carolina 
• Texas Virginia 
• West Virginia

Other states and localities may also impose taxes. If you believe you are exempt from property tax or have been charged incorrectly, contact your local tax authority to determine if you are eligible for exemption or abatement.
 

Sales tax amounts for lease accounts may be changed in accordance with state laws or as a result of a change to the garaging/registration address on your account. Several states require us to collect sales tax on assessed fees such as late fees, traffic tickets, property tax, etc. If you believe your sales tax has been changed in error or would like more information Contact Us.

You may choose to purchase or lease a new vehicle, purchase your current vehicle, or simply return your vehicle.

Please visit our Lease-End Overview page for a detailed explanation of what you need to do to pursue each of these options.

As a reward for your loyalty, when you lease or finance a new Kia with Kia Finance within 60 days of returning your lease, your vehicle Turn-in Fee will be covered up to $400. As an additional benefit of your Loyalty Reward, any Excess Wear and Use charges will also be covered up to $500. That’s a total reward of up to $900.

For your convenience, Kia Finance America will reach out to you with all of the information on when to act and what to do at all of the crucial milestones in the lease-end process, usually in one or more of the following ways:

• Keep an eye out for your Lease-End Kit, which will have what you need to know and more, plus some valuable tools for the lease-end process. It will be mailed to you approximately 120 days before your lease maturity date.




• If returning your vehicle, the first step is to evaluate your vehicle for excess wear and use. View video to see how.
  




• This website also features a number of valuable resources to assist with lease-end, including our innovative online Self-Assessment Tool, which will allow you to estimate any potential excess wear and use on your vehicle in just minutes. To get started simply visit the lease-end section of this site.




• We've also set up a personalized web page dedicated solely to you and your vehicle so you can stay up-to-date on the lease-end schedule. Watch your email inbox for a message with a link to this page.

At any time you may also reach out to a Lease-End Advisor at (855) 463-5378, Monday - Friday, 8 a.m. - 9 p.m. Eastern with any questions.

You have the option to turn in your vehicle at any time. However returning your vehicle in advance of your scheduled maturity date may be considered an early termination under your lease agreement. Our team of Lease-End Advisors will be happy to help with any questions you may have.

You can contact a Lease-End Advisor at (855) 537-8542, Monday - Friday, 8 a.m. - 9 p.m. Eastern.

The following charges may be included on your End of Term Invoice, if applicable: 

• Excess wear and use 

• Excess mileage 

• Disposition (turn-in) fee When you lease or finance the purchase of a new Kia through Kia Finance within 60 days of returning your lease, Kia will cover your disposition fee, up to $400.

• Any past due or unpaid monthly payments 

• Any other fees (e.g. unpaid late payment fees, taxes, tolls)

It varies by state. Please contact your local Department of Motor Vehicles (DMV) office if you have questions about whether this applies to you.

Yes. Once your final payment is made, contact your bank or login to your kiafinance.com account and cancel any scheduled recurring payments to avoid ongoing charges.

Visit our Lease-End Overview and select the "Buy Your Current Kia" option on this page for full instructions on how to request a buyout quote.

If your vehicle is garaged/registered in CO, DC, FL, HI, IN, PA, SD, SC, you will need to contact a Dealership to purchase the vehicle.

Once you've received your quote, download our Odometer Disclosure Statement. Follow the instructions on the form to fax the completed and signed form.

• Fax odometer statements directly to (888) 295-8891

Then mail your payoff check to:

• Regular Mail:
  Payee must be: HCA Exchange, Inc.
  KFA Payment Processing
  PO Box 660891
  Dallas, TX 75266-0891




• Overnight Mail:
  Payee must be: HCA Exchange, Inc.
  HCA Exchange, Inc.
  PO Box 660891
  Dallas, TX 75266-0891

The option to purchase the leased vehicle typically at the scheduled end of the lease term for a fixed price plus a predetermined purchase option fee. Refer to the lease contract for specific terms and conditions.

On retail accounts, the due date can be changed a maximum of 2 times during the contract term, but no more than once per calendar year. It can be changed once online by visiting the My Profile page. The date can be moved up to 20 days beyond the current due date. To change your due date, your account must be current. Lease accounts are not eligible for due date changes.

To update your address:

• 1. Login to your KIAFINANCE.com account




• 2. While logged in, at the top of the page, click My Account




• 3. Select the My Profile tab




• 4. Choose Account information to make any necessary changes to your mailing, billing, and/or garaging address for lease vehicles




• 5. Click Save

If you have moved out of state:

• You may also be required to process a State-to-State title transfer. Please contact the Department or Bureau of Motor Vehicles in your new state for this information. Refer to the Payoffs and Titles section for more information regarding the State to State transfer process.




• Lease customers: There may be a change to your monthly payment amount due to state-specific tax requirements.

To change your email address:

• 1. Login to your KIAFINANCE.com account




• 2. While logged in, at the top of the page, click My Account




• 3. Select the My Profile tab




• 4. Choose Account information to edit your email address




• 5. If your email address is also your username, update your username in this section as well.




• 6. Click Save

If the information on your statement or online account summary is inaccurate, please review your contract. If you do not have access to your contract or the information on your contract is accurate, please contact Customer Service at (866) 331-5632 for assistance.

If the information on your contract is inaccurate(i.e. name, SNN, DOB), please fax a written request for the information to be updated to (714) 965-0520. The request must include proof of identification such as social security card, birth certificate, valid driver’s license, state issued ID card, or passport.

You may submit a request online to correct or update your name:

• 1. Login to your KIAFINANCE.com account




• 2. While logged in, at the top of the page, click My Account




• 3. Select the My Profile tab




• 4. Choose Account information to update your name




• 5. To complete your request, please fax the following documents to (714)965-0520:

  
  

  • A written request that includes your updated name and KFA account number

  
  

  • For a name change, please include a copy of supporting legal documents (i.e. a court declaration of name change, marriage certificate or divorce decree, or citizenship certificate)







• 6. Allow up to 5 business days for your request to be processed

If you have a joint account, it is possible to provide consent for a name to be removed from the Certificate of Title if one of the account holders:

• is deceased




• has a suspended driver's license




• is incarcerated

Please note that in the case of an account holder who is incarcerated or has a suspended license, the request must be received from the person whose name is to be removed or their appointed individual with Power of Attorney. If you choose to remove your name from a Certificate of Title, you are relinquishing all of your rights and ownership interests to the vehicle. Even if your name is removed from Title, you will continue to be fully responsible for the debt and all other obligations under your contract. As such, please carefully consider your request to remove your name from Certificate of Title.

To request that a name be removed from the title, please fax a written request with a detailed explanation of your request, your KFA account number, and any supporting documentation (proof of suspended license, legal documents for incarceration, death certificate, DMV paperwork, Power of Attorney, will or probate, etc.) to (714) 965-0520 Attn: Titles Department or mail to:

• Kia Finance America
  Attn: Titles Department
  6100 W. Plano Pkwy., Ste 2000
  Plano, TX 75093

Note the address provided above is different from the payment address printed on your monthly statement.

If the deceased is the only account holder and you want to notify us on the deceased’s behalf, please fax us the following documents to (714) 368-7845:

• Copy of the death certificate




• Written notice providing your name and contact information and the address where the vehicle is located




• Documentation relating to the execution of the will or trust, if any, or appointment of an executor or administrator of the estate

Alternatively, the above documents may be mailed or emailed to:

                deceasedaccounts@hcamerica.com

• Kia Finance America
  Attn: Back Office
  6100 W. Plano Pkwy Ste. 2000
  Plano, TX 75093

Note that if the account is a joint account or there is a co-signer, the surviving account holder or co-signer continues to be liable for the account. For questions, Contact Us.

Please refer to your balloon financing addendum (signed with your retail installment sale contract) to determine if your balloon account may be refinanced through Kia Finance America for the Balloon amount. The refinance must be completed no later than 30 days from the date the balloon payment is due. When refinancing a balloon account through Kia Finance America, an account holder cannot be removed. For additional information contact the Lease-End Servicing team at (855) 463-5378.

If you would like to dispute the information being reported to the credit bureaus, the request must be received in writing. The request must include the following information:

• Your first and last name




• KFA account number




• Specific information about the dispute




• An explanation of the basis of the dispute




• Any supporting documentation required to investigate such as bank statements, cancelled checks, copy of credit reports, etc.

Mail the written dispute to:

• Kia Finance America
  P.O. Box 20835
  Fountain Valley, CA 92728-0809

Note: You may also submit a dispute to the credit bureaus.

To enhance our security online, Kia Finance disabled Transport Layer Security (TLS) versions 1.0 and 1.1 on our websites. You may need to complete one of the following steps to ensure your system is compatible with TLS 1.2: update your web browser, operating system or enable TLS 1.2. Click Here to download guide

To register online for the first time:

• 1. Register here or click the Not Registered? link from the homepage




• 2. You will need the following information to register your account:

  
  

  • Your account number found on your welcome letter or billing statement, or the Vehicle Identification (VIN) number found on your finance or lease contract

  
  

  • Last 4 digits of your Social Security Number

  
  

  • Date of birth

  
  

  • Valid email address

Please confirm that you have entered all information correctly. You must enter the information exactly as it appears on your contract or statement. Please remember that the username and password are case sensitive.

If you need additional help, please contact Customer Service at (866) 331-5632 Mon.-Fri., 8 a.m.-9 p.m. Eastern Time.

Yes. If you are the primary account holder or co-signer on multiple accounts with KFA, you may link all of your accounts to your current Username and Password. (Your email address may only be registered once with KFA.)

To link another account, use the following instructions:

• 1. From Account Summary page, locate your account number




• 2. Click Add Account




• 3. Enter the other account number you would like to link




• 4. Enter the last 6 digits of the VIN on the vehicle associated with the account you would like to link




• 5. Click Submit

If you do not wish to link your accounts, you will need to have a different username and email address for each KFA account.

How do I switch between my accounts?

From the Account Summary page, click on your account number and a drop-down menu will appear with all of your linked accounts.

If you have forgotten your password, please select the Forgot Password link on the left hand log in box, or click here. Enter your username, personal information and answer to your Security Question. You will be able to reset your password and log in to your account.

If you have forgotten your username, please select the Forgot Username link or click here. Enter your email address, personal information and answer to your Security Question.

Please note: For your security, your account will be locked after four unsuccessful login attempts. If this happens, you must contact Customer Service at (800) 523-4030 for assistance, Mon.-Fri., 8 a.m.-9 p.m. Eastern Time.

If your name appears on the Account Summary page, Contact Us to request the answer to your security question. If the Account Summary page displays a co-buyer or primary account holder other than you, please have the person whose name is on the online profile contact us to request the answer to the security question. Or, if you are a primary or co-buyer on the contract, register a new online profile with your information. Please note that a different email address must be used for new profile registration.

Online payments fail for any of the following reasons:

• The routing number you’ve entered may be invalid: verify that the bank account and routing number you are attempting to use are accurate. If this information is automatically populating, attempt the payment by typing your information in manually.




• Multiple payments have failed in the past 90 days: If you have had multiple failed payments in the past 90 days, online payments will be blocked on your account for a certain period of time depending on the reason for the failed payments.




• Duplicate payments: To prevent accidental payments, our website does not allow two payments to be made in the same amount on the same day. Check your email to see if you’ve received a payment receipt.




• Your vehicle has been returned or repossessed: If you have turned in your lease vehicle or if your vehicle has been repossessed, your online account will not allow payments to be made. If your vehicle was repossessed, but you reclaimed the vehicle, Contact Us for further assistance.




• Your account is paid off: The website will not allow payments to be made on paid off accounts.




• Stop Payment: If you have previously placed a stop payment to KFA through your bank, your checking account may have a block on it. Please Contact Us to remove the block. We will require full routing and account number.




• Your account is in Bankruptcy status: If you have filed for bankruptcy you will be unable to access your account online.
  

Contact Us if none of the above issues apply or you have additional questions or concerns.

Email alerts may not be received for a number of reasons. Use the following instructions to find out why your email alerts may not be delivered properly:

• 1. Check your junk or spam folder. If your email alerts are delivered to a spam or junk folder in error, add the email address they were delivered from to your address book.




• 2. Make sure we have the correct email address for you

  
  

  • Login, click My Account
  • Select the My Profile tab
  • Choose Account Information
  • Check the email address listed to confirm that it is accurate




• 3. Make sure you've signed up for email alerts

  
  

  • Login, click My Account
  • Select the My Profile tab
  • Choose Email Alerts
  • If the email alerts you would like to receive are not selected, click Edit and check the applicable boxes. Do not forget to click Save when you’re done.




• 4. If none of the above applies, Contact Us for more information

This error occurs after you have attempted to log in with an incorrect username or password four times. You will be unable to login or reset your password for 30 minutes. It is not possible for Customer Service to remove this type of lock. Please refer to Forgot Username/Password for reset instructions.

• 1. While logged in, at the top of the page, click My Account




• 2. Select the My Profile tab




• 3. Choose Account Information




• 4. Scroll down to locate the Email Address, Username, or Security Question section




• 5. Click Edit and enter the desired username




• 6. Click Save

There are a number of variables that could be the cause. Your connection speed may improve if you delete your browsing history, cookies, cache, and temporary Internet files from your selected browser. You might also try to upgrade your browser as older browsers might not offer you the best available speed and security required to view the content.

Please visit one of the following links for additional browser support:

• Internet Explorer
• Safari
• Firefox
• Google Chrome

Please note that by accessing the links above, you will be taken to a third party web site that is not affiliated with KFA and may offer a different privacy policy and/or level of security. KFA is not responsible for the content, products or services that are offered on other web sites.

Yes. When you log on to KIAFINANCE.com from a mobile device, you will be directed to the mobile friendly version of our site. You will need a smartphone with a data plan and registered online account. Log into the mobile website using the same username and password that you created on our website. On the mobile website, you can make a one-time payment, view your account history, learn about exciting new offers, and more. We are continually adding new features, so stay tuned.

For information to help you determine eligibility under the SCRA, please visit the SCRA Overview page.

Members of the following groups may be eligible:

• Army, Navy, Marine Corps, Air Force, and Coast Guard




• Commissioned officers of the Public Health Service and the National Oceanic and Atmospheric Administration engaged in active service




• Reservists ordered to report for military service




• People ordered to report for induction (training) under the Military Selective Service Act




• Guardsmen called to active service for more than 30 consecutive days

For additional information or eligibility under the Service Members Civil Relief Act, please visit the SCRA Overview page.

Please submit the following information to KFA:

• A written request, including your name and KFA account number




• The name, address, and phone number (with area code) for the individual who will be driving or caring for the vehicle during your military service, and




• A copy of your military orders

You may email, fax, or mail the required documents to:

• Email: SCRA@hcs.com




• Fax: 888-780-4423




• Mail:
  Kia Finance America
  ATTN: SCRA Request
  4100 Wildwood Parkway
  Atlanta, GA 30339

Contact your insurance company to file a claim. You will also need to notify Kia Finance America about the accident and provide necessary information. If the vehicle is deemed a total loss, your insurance company will contact us.

Insurance companies usually issue checks payable to Kia Finance America and the customer (in order for KFA to endorse the check that is payable to both KFA and the customer, vehicle repairs must be complete and the account must be current). Please mail the check and required documents described below to:

• Kia Finance America
  Attn: Insurance Repair Check
  4100 Wildwood Parkway
  Atlanta, GA 30339

Required Documents:

• For checks under $500, no paperwork is required




• For checks over $501-$6,000, include the insurance estimate, body shop invoice, and pictures of the repaired vehicle. (Pictures are not necessary if repairs were made by a Kia dealer.)




• For checks over $6000, include the insurance estimate, body shop invoice or letter stating vehicle repaired per insurance estimate, and picture of repaired vehicle. (Pictures are not necessary if repairs were made by a Kia dealer.)




• Please allow 2 business days after we have received the check for company endorsement

Financed Vehicles
You must obtain the minimum coverage required by state law. KFA requires that the deductible on both comprehensive and collision insurance policies be $1,000 or less. The "Loss Payee" on your insurance policy (for financed vehicles) must read:

• Kia Finance America
  Its Successors and/or Assigns
  P.O. Box 20809
  Fountain Valley, CA 92728-0809

Leased Vehicles
Please refer to your Motor Vehicle Lease Agreement or Lease Liability Insurance Addendum (if applicable) to see your liability and deductible limits. The "Loss Payee" on your insurance policy must read:

• Kia Lease Titling Trust
  P.O. Box 20809
  Fountain Valley, CA 92728-0809

You must get approval from Kia Finance America before taking your vehicle outside of the continental United States.

Retail:  Transport may be approved under the following circumstances:

Hawaii or Alaska: Permanently or temporarily 

Canada or Mexico: Only temporarily (3 months or less)

Exception: Permanent transport may be approved if the customer is in the military and has been assigned a permanent change of station.Lease: The vehicle may only be transported to Hawaii or Alaska. Transport of leased vehicles are not allowed to any other countries.

Lease: The vehicle may only be transported to Hawaii or Alaska. Transport of leased vehicles are not allowed to any other countries.

Please complete the Vehicle Transport Request Form and fax it to (714) 965-0520.

Kia Finance America

PO Box 20829

Fountain Valley, CA 92728

Please allow up to 5 business days to check the status of the Vehicle Transport request.

Guaranteed Asset Protection (or "GAP") is a debt cancellation waiver or insurance product that is designed to assist with covering the difference between the balance owed on the vehicle financing and the amount of the insurance proceeds received from your automobile insurance carrier in the event of total loss of the vehicle. In some cases, GAP will not cover the entire balance owed on an account. If you leased your vehicle through KFA, GAP is included in your lease, subject to certain conditions set forth in your lease agreement.

Power Protect® is a suite of optional insurance and vehicle protection plan products offered to Kia Finance America customers. The products offered to eligible customers include special savings on auto and home insurance through the Power Protect® program offered by Liberty Mutual. Call (888) 761-3727 to speak with a representative, or apply online to see how much you can save. With Liberty Mutual, you can get quotes and buy and manage your policies online. Power Protect® vehicle service contracts, GAP waiver contracts and other vehicle protection plan products are available on eligible non-Kia vehicles. See your dealer for more details.

You must contact your originating dealership (i.e., the dealership where you bought the car) or the administrator listed on the ancillary product form or the insurance company, as applicable, to cancel the product or policy.

The process for KFA to receive the cancellation proceeds from the product provider/insurance company may take up to 8 weeks or more. Once such proceeds are received by KFA, the proceeds will be credited to the  principal balance or lease balance owed on your KFA account or refunded to you if there is no balance remaining. If funds are applied to your outstanding balance, KFA will not reamortize your account and your monthly payment amount will remain the same. However, your final payment may be less than originally calculated.

Federal law requires us to provide customers with written notice explaining our practices regarding how we may share customers’ non-public personal information. We are required to provide this information when you initially become a customer, and annually thereafter, for each account you have with us.

California residents will receive an additional privacy notice required by state law.

All financial companies need to share customer’s personal information to run their everyday business. The types of personal information we collect and share depends on the product or service you have with us. Federal law gives consumers the right to limit some but not all sharing.  

To learn more about what we can share, why we might share it, and how you can limit this sharing, please read the Kia Finance America Consumer Privacy Notice.

Our Online Privacy Policy explains how we protect your privacy while using our website.

Your election to opt-out will continue for as long as you are our customer. You only need to opt out once. However, you will continue to receive annual privacy notices.

To opt-out:

        1.    Call our toll-free automated system:

                    • KFA Federal GLB: (877) 827-4884

                    • KFA California Privacy: (877) 906-9976

        2.    Fax a written request to: (866) 810-4368

        3.    Mail a written request to:

               Kia Finance America

               PO Box 20829

               Fountain Valley, CA 92728-0829

Your opt-out choice applies to all of your accounts.

If you opt out for one account, you will have opted out for all of your accounts.

(Note: For related accounts, only you will be opted out. If there is another account holder they will need to opt out through a separate request).

Yes.

You may request select account-related documents using the Document Request tab on the My Account page. 

Available Documents & Definitions

Lease Accounts:

• Account Current Letter – Letter indicating the financial status of your account
• Bill of Sale – Applicable for the following states upon payoff: (Connecticut, Massachusetts, North Carolina, and Rhode Island) Copy of the bill of sale to be signed by all purchasers and returned prior to the release of title
• Lease Buyout Quote – Copy of the lease buyout quote
  Please contact your dealer in order to obtain a buyout quote and/or purchase your vehicle in the states listed below:
  Colorado
  District of Columbia
  Florida
  Hawaii
  Indiana
  Pennsylvania
  South Carolina
  South Dakota
• EOT Bill – Copy of the End of Term Bill
• Inspection Report – An itemized report showing each item of excess wear and use to the vehicle, prepared by the company’s inspection vendor before or after the vehicle turn-in.
• LOG Reprint – Copy of the Letter of Guarantee 
• Paid in Full Letter - A paid in full status letter (This letter does not include any outstanding unpaid charges that may become due such as tax bills or unpaid parking tickets.)
• Payment History – Record of payment transactions
• Plate Release Letter – Document to request a transfer of the license plate (for personalized plates such as handicap, military, or vanity plates)
• Vehicle Transport Checklist – Document to request a transport of your vehicle outside of the continental United States (Qualifications and limitations apply)

Finance Accounts:

• Account Current Letter – Letter indicating the status of your account
• Annual Interest Letter – Annual record of interest paid
• LOG Reprint – Copy of the Letter of Guarantee 
• Paid in Full Letter - A paid in full status letter (This letter does not include any outstanding unpaid charges that may become due such as tax bills or unpaid parking tickets.)
• Payment History – Record of payment transactions
• Retail Payoff Quote – Copy of the retail payoff quote

A simple and straightforward guide to vehicle financing, which includes helpful tips, the differences between buying and leasing, and key terms that may come up during the vehicle financing process.

Download Financing 101 (PDF)

An electronic version of the Lease-End Kit detailing options for closing out your lease, steps to getting another new vehicle or keeping your current one, and helpful resources to answer your questions about the lease-end transition process.

A print version is also automatically mailed to lease customers approximately 120 days before the lease contract maturity date.

We also suggest checking out our site's lease-end section for more valuable information and resources related to the lease-end process.

Download Lease-End Kit (PDF)

Prior to lease-end, use this to perform a self-inspection on your vehicle to evaluate excess wear and use, allowing you to estimate charges you may incur and seek out repairs before turn-in.

A paper version of the Wear and Use Estimation Tool is also included in the Lease-End Kit mailed to lease customers approximately 120 days before the lease contract maturity date.

Download Wear and Use Estimation Tool (PDF)

For lease customers, this form serves as an official record of your final odometer reading that you will need to complete and submit before your lease ends. This form is mandatory, even if you're purchasing your leased vehicle.

Download Odometer Disclosure Statement (PDF)

A short and simple checklist of tasks to complete for customers who are approaching the end of their lease terms.

Download Lease-End To-Do List (PDF)

For a very convenient way to manage your payments, follow the instructions on this form to enroll in Autopay by fax or standard mail.

You may also enroll online by first registering for an KIAFINANCE.com online account and then selecting the Autopay option.

Download Autopay Enrollment Form (PDF)

Automated Account Access: (866) 331-5632 (24/7)

Customer Service: (866) 331-5632 Mon.-Fri., 8 a.m.-9 p.m. Eastern Time

Lease-End Servicing Team: (855) 537-8542 Mon.-Fri., 8 a.m.-9 p.m. Eastern Time

Collections Department: (866) 344-5632 Mon.-Fri., 8 a.m.-9 p.m.; Sat., 8 a.m.-4:30 p.m.; Sun., 8 a.m.-5 p.m. Eastern Time

Finance Payments (Please write your account number on the check)

Kia Finance America

PO Box 650805

Dallas, TX 75265-0805

Lease Payments (Please write your account number on the check)

Kia Finance America

PO Box 660891

Dallas, TX 75266-0891

Written correspondence only (Not payments)

Kia Finance America

PO Box 20825

Fountain Valley, CA 92728

Direct Credit Disputes

Kia Finance America – Credit Dispute

PO Box 20835

Fountain Valley, CA 92728