KMF First Time Buyer Program

Do you need a new car but have no major credit? Are you unsure of what it takes to purchase a vehicle? Kia Motors Finance is pleased to announce a retail financing program available for First Time Buyer customers on eligible Kia vehicles! This program allows for people with absolutely no credit or cash down to purchase a car! The program qualifications are listed below. Call one of our sales professionals to see how easy it is to get qualified for your new Kia!

Eligible Vehicles

  • New and untitled 2016 and newer model year Optima, Forte, Forte Koup, Soul (excluding EV), and Rio models

  •  Demonstrator and service loaner vehicles of the above listed models with less than 6,000 miles

Eligible Customers

  • First Time Buyer means applicant has no previous automotive secured loan/credit tradeline on his/her credit report

Program Parameters

  • This transaction is customer's first automotive secured loan or credit transaction.

  •  Requires minimum six months at current job or qualified co-buyer

  • Up to 100% Advance

  • Up to 72 months maximum term

  • Excludes credit tiers 7 & 8 for terms greater than 60 months.

  • Minimum of $1,000 total down payment required. Total down payment may include rebate

Credit Requirements

  •  No adverse credit history. No bankruptcies, foreclosures, repossessions, collections accounts, charge-offs, tax liens, judgements, or any other delinquent credit.

  • Verifiable monthly income (paystub, W-2, etc.) sufficient to cover vehicle payment, ordinary living expenses, and all currently outstanding debt, if any.

  • Total monthly debt to monthly income ratio of 50% or less. Total monthly debt includes, if applicable: monthly vehicle payment, monthly rent or mortgage payments, other monthly payment obligations (i.e. installment loans, revolving loans, alimony, child support, etc.)

  • Subject to additional KMF credit guidelines


Fort Bend Kia

26633 SW Freeway
Directions Rosenberg, TX 77471

  • Sales: (281) 239-1000
  • Service: (281) 239-1000
  • Parts: (281) 239-1000


  • Monday 9:00AM-8:00PM
  • Tuesday 9:00AM-8:00PM
  • Wednesday 9:00AM-8:00PM
  • Thursday 9:00AM-8:00PM
  • Friday 9:00AM-8:00PM
  • Saturday 9:00AM-8:00PM
  • Sunday Closed