2025 Kia Carnival Hybrid SX… Is this a good deal?


What state is this in?

Zara said:
What state is this in?

Washington. The dealership is Dick Hannah in Vancouver.

Try to push for a lower APR. I got 4.49.

Brynn said:
Try to push for a lower APR. I got 4.49.

What state and loan term? I have a score of 800 and am considering a 72-month term.

julielarson said:

Brynn said:
Try to push for a lower APR. I got 4.49.

What state and loan term? I have a score of 800 and am considering a 72-month term.

Massachusetts, 48 months, 852 score.

@Brynn
That makes sense with your higher score and shorter term. Thanks for the info, I’ll try to negotiate.

julielarson said:
@Brynn
That makes sense with your higher score and shorter term. Thanks for the info, I’ll try to negotiate.

I just bought a 2025 EX with a 60-month term and got a 4.4% rate. The finance manager initially told me 6% was the best rate available, but after insisting they search more options, I got it down to 4.4% by increasing my down payment a bit.

Brynn said:
Try to push for a lower APR. I got 4.49.

Did you get 4.49 APR from Kia Finance America? How recently?

Braint said:

Brynn said:
Try to push for a lower APR. I got 4.49.

Did you get 4.49 APR from Kia Finance America? How recently?

Yes, on December 2nd with Kia Finance. I came in with a pre-approval and a blank check from Navy Federal. They matched the rate to keep my business.

It’s a solid deal, but the interest rate could be better given how much you’re putting down. Everything else looks great.

Kookhyun said:
It’s a solid deal, but the interest rate could be better given how much you’re putting down. Everything else looks great.

I didn’t want to use up all my cash reserves and wanted to keep monthly payments around $400. Thanks for the feedback!

Which state is this in?

Zara said:
Which state is this in?

I think I saw this listed in Washington.

ManKia said:

Zara said:
Which state is this in?

I think I saw this listed in Washington.

Which dealership? I’m in Vancouver.

Donna said:

ManKia said:
Zara said:
Which state is this in?

I think I saw this listed in Washington.

Which dealership? I’m in Vancouver.

Dick Hannah in Vancouver, WA.

I just got a $4,700 discount and thought it was good .

KIALady said:
I just got a $4,700 discount and thought it was good!

That’s a big discount! Did they offer that right away, or did you have to negotiate?

Jade said:

KIALady said:
I just got a $4,700 discount and thought it was good!

That’s a big discount! Did they offer that right away, or did you have to negotiate?

Their initial offer was $3,000 back. I countered with $4,700 and said I’d buy the next day if they agreed. Within minutes, they emailed me to accept. No extra charges or pressure at the dealership.

@KIALady
I’m definitely going to try this approach.