As well as practicality, reliability, handling, and safety, we understand that the price of a new car is an important factor in your decision to buy.

Whether you need a Kia for business or personal use, we can offer payment options that are flexible and more affordable. Visit Bells Kia for stress-free service, friendly care and advice, and the best deals.

Finance options

Your choices range from lease agreements to Business Contract Hire, and fixed-term finance with servicing packages. Depending on your chosen plan, you may be able to make a final payment and own your Kia at the end of the term. If you’d prefer, you can simply return it to us with nothing more to pay.

Finance advice from Bells Kia

Contact us for more information on the finance options available with a new Kia from Bells Kia.


Personal Contract Purchase is similar to a Personal Motor Loan contract but with additional flexibility since part of the cost is deferred until the end of your contract. Also known as an optional final payment (OFP), it may give you the benefit of lower monthly repayments. At the start of the contract we’ll set this optional final payment for the car, this will be based upon your chosen term and approximate annual mileage.


Personal Contract Hire is the choice favoured by most people who would prefer to lease a car, rather than own one. You pay an initial upfront advance rental (amount dependent on size of monthly rental), usually the equivalent to three, six or nine monthly rentals. You then pay a fixed monthly rental fee (plus VAT) and in return have the right to use your chosen car over a pre-agreed period and mileage.