Find your best Kia Cerato finance rate with Driva

For most lenders, your credit score will be a major factor when assessing your application and pricing your loan. Typically, the higher your credit score, the lower rate you’ll be able to access. This is because your lender will be relatively confident that you’ll be able to meet your repayment obligations.

If you haven’t got a great credit score though, that doesn’t mean that all hope is lost. For some lenders, other factors are just as important as your credit score; like the Kia Cerato model you’re buying and the type of loan you’re after, as well as your current employment situation and other personal circumstances.

If you’ve got any questions about how your credit score will impact your Kia Cerato loan options, feel free to get in touch with our friendly finance team on 1300 755 494 or email us at contact@driva.com.au.

Each lender has their own minimum and maximum loan amounts which usually range between $2,000 to $1,000,000. The amount of money you can borrow for a Kia Cerato car loan is determined by your individual financial circumstances.

Factors like living situation, income sources and past credit rating will be taken into consideration to calculate the maximum loan amount and estimated repayments.

One approach to adjust your maximum borrowing amount is to change the length of your loan term (e.g. from 5 years to 7 years).

Use Driva's smart platform and local team of finance professionals to assist you to make the best Kia Cerato financing decision possible and get a better sense of how much you might be approved for.

We work with over 30 different lenders to give you confidence that the finance options you’re seeing are a good fit for the vehicle you’re thinking about and your personal situation.

Getting a loan approved and obtaining Kia Cerato vehicle financing might take anywhere from 2 hours to 2 days, subject to the lender you choose.

Every lender has different eligibility criteria when it comes to assessing loan applications. While for some lenders your credit score might be a deal-breaker, other lenders are willing to accept applicants with low credit scores because they’ll consider other factors as well, like the type of car you’re buying, your income and your current living situation.

Driva can help you finance any type of Kia Cerato, from the classic Cerato S to the luxuriously appointed Cerato Koup. Here's a list of the most popular Kia Cerato models and their features:
Cerato S - Standard features include a 2.0L engine, 16-inch alloy wheels, and a 5-inch touchscreen display.
Cerato Sport+ - Upgrades include a 2.0L turbo engine, 18-inch alloy wheels, and a 7-inch touchscreen display.
Cerato Koup - Features a 2.4L turbo engine, 18-inch alloy wheels, and an 8-inch touchscreen display.
Cerato GT - Includes a more powerful 2.0L turbo engine, 19-inch alloy wheels, and a 9.2-inch touchscreen display.
Cerato EX - Comes with a 2.0L engine, 17-inch alloy wheels, and a 10.25-inch touchscreen display.
Cerato SX - Offers a 2.4L turbo engine, 18-inch alloy wheels, and a 10.25-inch touchscreen display.