Review of Kia Motors Finance: Kia Finance is a TOTAL Nightmare
Thumbnail of user cassiek16
Ohio
1 review
2 helpful votes
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November 26th, 2023

Kia Finance has been a nightmare. "customer service" hangs up after you've waited hours on hold, days in a row. When they finally answer and don't initially hang-up, they transfer your calls to 5 different departments then hang up again, but not before you answer the same questions you answered with the last 4 representatives and not before you give a run down of what you're calling about just like you did with the last 4 reps, only to be told they can't answer the question you didn'task.
They DO NOT listen to your needs, even after you repeat them 5 different ways. They refuse to actually hear what you're saying.
Their site won't allow me to make payments on my 2 Kias after I've been leasing & making payments online for 8-yrs. Instead of attempting to correct the issue they charge me $7 × 2 to make phone payments. Now I have to do it again this month bc their online payment feature is not working for me still. There is no person you can talk to that doesn't have a super thick accent that is very difficult to understand when the connection is always fuzzy due to what I assume is because they transferr their calls to another country. Fuzzy connection or thick accent, pick one, not both because both make accomplishing anything nearly impossible.
At one point they falsley claimed I didn't make my final payments on my first leased Kia's but the cars were traded in one month early so no there were no payments due on those cars. The false claim prevented me from buying a house that year, literally. No preapproval until the mark was removed from my credit. It took me a year to get it off credit with VERY little help from Kia Finance. A year of fighting. All that time and energy towards something that never was. No apology no compensation. Nothing but headaches.
Another time they charged me a dollar more per payment than agreed upon with the dealership but they did it at a time that was last minute and I couldn't do anything about it unless I wanted to be without a leased car until it got solved.
The last two payments I made over the phone I had extra fees listed...I had to pay $24 extra, per car, but no one could tell why but they could tell me that if I didn't make payment in full, mystery fees included, my accounts would be considered past due & reported.

Date of experience: November 26, 2023

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Kia Motors Finance

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Overview

Kia Motors Finance has a rating of 1.1 stars from 299 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Kia Motors Finance most frequently mention customer service, auto pay, and business days problems. Kia Motors Finance ranks 344th among Loans sites.

  • Service
    68
  • Value
    57
  • Shipping
    36
  • Returns
    39
  • Quality
    58
Positive reviews (last 12 months): 0%
Positive
0
Neutral
0
Negative
12
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How would you rate Kia Motors Finance?
Top Positive Review

“Good so far”

John G.
4/15/23

I pay my car payment weekly you cannot set auto pay up for doing so which would be very convenient.it does give a week to week breakdown of payment of intrest and principal and only takes 2 days for draw from bank.

Date of experience: 4/14/23
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Top Critical Review

“Scam company, I paid the full amount of my new car and they still tried to charge my account!”

Moti G.
11/6/24

Scam company, I paid the full amount of my new car and they still tried to charge my account every 2 weeks! I called few time, they bushiest you but not solving the problem. No choice, i will hire a lawyer and sue this scammer.

Date of experience: 11/6/24
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Reviews (299)

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Reviews that mention popular keywords

kia finance (81) customer service (111) finance company (23)
Thumbnail of user alip36
Florida
1 review
3 helpful votes
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March 20th, 2019

I have a lease and after 5 payments it was increased with no explanation, I tried to contact kia finance and very time I got somebody just telling me to go to the web page and never let me to explain what my problem was. I've been a client for almost twenty years and this is the way company treat their loyal costumers. Never again

Date of experience: March 20, 2019

Thumbnail of user evelynew2
Pennsylvania
2 reviews
2 helpful votes
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July 10th, 2019

This company SUCKS! They are a complete mess. The most important person that you can you speak to his a Supervisor. That should let you know right away that this company will only F*** your life more messed up than they have already made. I

Tip for consumers:
DO NOT buy from Kia if your going to end up with KIA FINANCIAL SERVICES then pick another car.

Service
Value
Shipping
Returns
Quality

Date of experience: July 10, 2019

Thumbnail of user kellys215
Alabama
1 review
5 helpful votes
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May 9th, 2017

I spoke with Jasmine who was nice but extremely unhelpful! It seems they put in nice people but do NOT empower their associates making them useless! We paid off the car but forgot to turn off the automatic payments from the bank and send it $450 after it was paid off. Kia said it would take up to 30 days to return the money. They had NO way to call the department in charge of sending the check to expedite the process, only an email and could not even guarantee that would go through. I can promise you they would not accept me telling them I was going to wait 30 days to pay them! When I asked for a supervisor, Jasmine told me they would not be able to do anything - I guess she didn't want me to talk to a supervisor. She then put me on hold for OVER 7 minutes until I finally had to hang up. USELESS! Certainly NOT the way to treat a customer.

Date of experience: May 9, 2017

Thumbnail of user blakeb24
Texas
1 review
6 helpful votes
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August 8th, 2017

This was my first experience leasing a car it was terrible. Once my lease was up I knew I was a little over my miles (few hundred miles) and their buyout option was almost $1,000 more than what I was originally told when I leased my optima. Kia Motor finance said well that's too bad and I have no intention of re-leasing with them so I HAD to take buyout option. To make matters worse my buy out option was $1800 higher than market value so I got completely screwed so not only do I have to get it re-financed through bank for used car loan I have to pay $2,300 out of pocket to pay for sales tax and what I got my car approved for at market value. They give you little information or feedback. They are a bunch of Crooks over at Kia Motor Fiance! Stay away or you will regret it. I am done buying new cars and will never lease again

Date of experience: August 8, 2017

Thumbnail of user josephc1159
Wisconsin
1 review
6 helpful votes
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December 30th, 2019

Have paid every single bill I have been sent, but am continuously called by the finance company saying no bills have been paid. Spoke with customer service who said the account is paid off. Calls continue saying it is not. No idea where my money is going then because I have paid for the lease every month. Finance company is the rudest bunch I have ever had the displeasure of speaking to. Will never ever touch KIA again and cannot wait for my lease to expire to be done with them all.

Date of experience: December 30, 2019

Thumbnail of user kylel127
Minnesota
1 review
6 helpful votes
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August 5th, 2019

Kia Finance is horrible. Has ruined my credit score. They do not cooperate with their dealers nationwide. Avoid leasing any Kia from this company, they are corrupt and currently under investigation by department of commerce and fbi. Stay away from leasing from this company.

Date of experience: August 5, 2019

Thumbnail of user jeffh783
New Jersey
1 review
8 helpful votes
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March 31st, 2020

Kia Auto Finance is no help

I called them explaining that due to Covid-19 I have been out of work for two weeks with no timeframe on returning and could I postpone my next few monthly payments. They said sure, they would just be added on to the back end. Great. Then I asked how the interest charges would be handled. They said they would continue as is, accruing daily. REALLY? So if I postpone next months payment my interest will accrue for 60 days instead of 30. And postponing 2 months payments will add 90 days of accrued interest? So Kia Finance is MAKING MORE money on me in these trying times. My last 2 cars were Kia's. Never again.

Date of experience: March 31, 2020

Thumbnail of user jessicag345
Michigan
1 review
0 helpful votes
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June 4th, 2019

My experience just with dealing with Kia Motors Finance has been horrible. They have the worst customer service I have ever dealt with before. On all of my paperwork from the dealership, my address was correct but not with them. Then it took 4 phone calls to get them to correct the address. Not to mention, when I called and asked for a supervisor, I was totally ignored and given the wrong information. I asked for a supervisor at least 6 times before anything was done. Then on top of all of that, I just called them and a representative picked up the phone and just sat there.

Date of experience: June 4, 2019

Thumbnail of user nataliom
California
1 review
2 helpful votes
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February 25th, 2021

I will never do business with kia again. Their customer service is by far the worst to deal with. They lie to you and will not work with you despite claiming that they would. Trust me, I don't do a lot of reviews but for those considering doing business with kia, beware! They won't care for you as a valued customer.

Date of experience: February 25, 2021

Thumbnail of user junaem
New York
1 review
2 helpful votes
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March 18th, 2020

If you can go anywhere else! Please do! They double charged my account one month for over $700 and when I called they told me they can only issue a refund through a check and it will take two weeks. A month later still haven't received the check. Also called at the end of the first two weeks and they hadn't process the check as yet so I asked them to post in to the next month's bill they guaranteed that this will happen. I received a notice that my bill was past due and I would be charged a late fee. I called and spent a hour on the phone and no one could tell me where my check was or what happened to the amount but they made sure to ask if I'll be paying today. This company has given me nothing but headaches since the beginning and it's not worth the struggle. If I could break this contract I would

Date of experience: March 18, 2020

Thumbnail of user noeliag6
Colorado
1 review
16 helpful votes
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March 23rd, 2020

Two weeks ago my dealer canceled the loan I had on my new vehicle and I signed a new loan agreement. All documentation was sent to Kia Motors Finance, but two weeks later my account hasn't been updated yet. Every time I called them, they sent me to Collections. They refused to transfer me to another department and keep saying I owe them money, which is false. Terrible customer service!

Date of experience: March 23, 2020

Thumbnail of user gregoryz98
Connecticut
1 review
7 helpful votes
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March 15th, 2021

Paid off auto loan in early Dec, 2020. This is mid-march and we are still awaiting the refund of a sizeable overpayment, despite numerous phone calls and promises. Keep being told it is "pending" - with no further explanation. Love the car and the dealer, but the finance company customer service is TERRIBLE, and we will never buy another KIA because of this.

Service
Value
Quality

Date of experience: March 15, 2021

Thumbnail of user stevem360
New York
1 review
4 helpful votes
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August 11th, 2017

I wish I could rate 0/5.

Firstly, the customer service representatives are unempathetic towards anything other than reading a little handbook by their bedroom of an office (I'm certain it must be luxurious).

If you ask them to help you out they sound equivelent to a robot on the phone, stating they have an identification requirement and that they can't waive a simple $8.00 fee.

This company is going under, their reviews are awful, posted publicly, and it doesn't seem to be getting better huh.

Oh well...

Let them play the ego game until they go under, and it'll be ironic to see them go down.

This isn't done in anger, this is done in legitimate anger.

These companies are so hungry, they scam other hungry people.

But if a Lion steals from a Hyena, a Pack of 30 Hyenas will pounce on that 1 Lion.

Date of experience: August 11, 2017

Thumbnail of user marckm4
California
1 review
0 helpful votes
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December 4th, 2021

It has been close to 4 months now and KMF has "lost" my monthly payments to the point of 2 repossession notices and a negative impact on my credit. I've sent them proof that my bank account has been debited accordingly each time, spoke to several people, and yet there's been no movement.

As many else here, we've been getting consistently brushed aside by promises of "corrections" and callbacks from supervisors that never come. Their Tier 1 Support has been dismissive and insultingly accusatory. "Unprofessional" is an understatement.

If you visited this site with the intent of doing research before purchase, heed all the reviews here. KMF's way of doing business will leave a long term negative impact on you and your credit report.

Date of experience: December 4, 2021

Thumbnail of user jaimec140
Nevada
1 review
2 helpful votes
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August 22nd, 2020

As the title describes it. Plus 300%... plain and simple. I bought a 2020 kia soul, and boy do I regret it, when the Covid 19 hit, they where the worst to deal with. Ally Financial which I owe money to, never treated me like KMF did, they gave me 3 moths payment extension in 5 minutes, no begging or anything like that.
While KMF (thats Kia Motor Finance) Just turn their back on me and thousands more.
I was doing my payments on time, until hell broke loose on march 2020... but what was I gonna do without a job? Just like any one else I had to choose between providing for my family or skip a few payments.
I'm still struggling and I, m still trying to fulfill my responsibilities. That is no reason to treat customers like scumbags KMF. Shame on you.
Based on my personal experience and many others, please, do your self a favor.
Use another finance company.

Date of experience: August 22, 2020

Thumbnail of user sonjaj7
Arizona
1 review
3 helpful votes
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October 3rd, 2019

If you finance your Kia through this company you should say a quick prayer that you never are owed money by them, because you won't get it. I traded in my Sorento over 3 months ago and had $6k in equity that I am owed. Every time I call customer service I am told the payment processing department has my request but don't know when the check will be processed. Nobody there has their information straight, they are not helpful at all and I am at the point where I think my only choice is to pursue legal action. Stay away from this joke of a company.

Service
Returns
Quality

Date of experience: October 3, 2019

Thumbnail of user lindsayp77
Florida
1 review
1 helpful vote
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July 14th, 2020

Traded in my Kia Sportage for a Telluride. The dealership paid off the trade in but the finance company said they were short and sent me Statements to an address I no longer lived at. Then they sent it to collections -$989 balance - destroying my credit. I paid in full immediately and they continue to refuse to update my credit report. I would not recommend anyone purchase a Kia if financing through them. They customer support reps are extremely nasty and sarcastic. One finally put in their own dispute to fix their mistakes but the result was only some of the account was fixed. They will hang up on you despite having a civil conversation and give you the run around(say a lot of things without making any sense or offering a solution).

Date of experience: July 14, 2020

Thumbnail of user alans581
Illinois
1 review
4 helpful votes
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September 10th, 2020

KMF is by far the worst financial institution I've ever dealt with! I've been trying to acquire a simple document for the past three weeks to no avail. I've spoken to countless representatives and supervisors who are extremely incompetent at their job and are clueless when it comes to a simple request. I'm sick and tired of waiting 2-3 business days at a time just to be told that I need to wait another 2-3 or more business days just to get the same answers! Never again! Stay far away! So not finance through these people! They will give you the run around and tell you things inconsistent between different representatives. It shouldn't take 3 weeks to acquire a simple document.

Date of experience: September 10, 2020

Thumbnail of user natep24
Georgia
1 review
0 helpful votes
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July 6th, 2020

I see I'm not alone as I just read through a few other reviews here. We love our Telluride, but KMF has been a nightmare to deal with. I called them back in February to make them aware that the "online" balance amount in my payment history was incorrectly reflecting a balance of $0.00 (nice, but not true). In contrast the main account page showed I had an overdue balance. Neither of these were correct... and I was assured by customer service that it would not be an issue. Two months later I find out they reported a late payment for the month of March... this supposed late payment hit my credit for nearly 50 points. Wasted hours upon hours of calls to customer service and writing to KMF has my head spinning. You can't even call in anymore... goes directly to a message stating "high volume of calls"... "call back later". What a mess and I'm beyond angry that I need to waste my time to show them they were wrong. As soon as I get this mess sorted I will be refinancing this loan elsewhere.

Date of experience: July 6, 2020

Thumbnail of user sadafk5
California
2 reviews
2 helpful votes
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July 10th, 2020

I wish if I could say 0! Their customer service and finance are disaster. I called them 6 times already they say the same thing and they suppose to send me the documentation as email and they never did, every time I call them again "automatic call says they're busy and hanged up you have to call again", They already updated my information on their system for 2-3 times and every time I call them they say we don't have your address or phone number or email address. They don't take note on customers account and every time they have to start from beginning. I got very frustrated! That's the worth financial services ever! Don't take any lease or finance from this company! They just want your money at beginning of sale and right after they don't care! Their representative also are very rude to customers! Big company 0 customer service! DO NOT TAKE THE CAR FROM THEM!

Date of experience: July 10, 2020

Thumbnail of user tomj537
New York
1 review
1 helpful vote
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June 16th, 2020

Dont ever deal with Kia or Kia Fiance. They are the rudest and most unprofessional people i have ever felt with evening during the crisis going on in the world they do not go an extra inch to try to help or even transfer your calls instead they hang up. I have had 2 kias and everytime I was promised "no hidden fees or early return fees". Yet each time about 6 months after returning the cars I get a bill in the mail for hidden fees. Fiancé department answer to this is to hang up the phone and pretty tell you to deal with it. Worst department ever dealt with. There are so many other car brands that will treat you correct and with respect. Do not chose Kia.

Date of experience: June 16, 2020

Thumbnail of user jasong530
Michigan
1 review
32 helpful votes
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May 12th, 2020

I'm up to date on my car lease payments, but since the pandemic my hours have been reduced and I cant afford my lease anymore. Kia Motors finance will not let me turn it or offer me a way to give it back. They are horrible and I'll never do business with them again... and I'm a repeat customer. Screw those guys. In economic hardship, they say screw you. Remember that. My name is Lia Reid and I'm using this acct to spread the word.

Date of experience: May 12, 2020

Thumbnail of user wendyt104
Massachusetts
1 review
3 helpful votes
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November 2nd, 2018

I have a lease with Kia finance. I have had nothing but problems with customer service when there are problems but Kia has no problems slapping their customers with fees left and right if you're late because of things in life that happen many have little to no control over. When trying to fix the issue more fees are accrued. WTF is wrong with America!?! Everything is about how much green an individual has. Morals... well there just aren't any anymore. Needless to say I won't be doing business with kia or Hyundai ever again after this lease is up

Date of experience: November 2, 2018

Thumbnail of user teresab315
South Carolina
1 review
2 helpful votes
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October 15th, 2019

Insurance company has called numerous time to pay totaled car off. KMF refuses to accept the payoff until okay is given from the buyer. IT has been given! I currently have another loan with KMF and will be looking for another vehicle this weekend. Dealing with them on top of doctors appointments is just added stress to an an already stressful situation. The customer service reps are rude and disrespectful to customers. Never again will I purchase a KIA!

Date of experience: October 15, 2019

Thumbnail of user sydneyl21
Minnesota
1 review
6 helpful votes
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August 14th, 2017

If I could do zero stars I would. Nearly eight months of dealing with them and a claim is still not settled on a total loss when gap was included in my financing because they constantly fail to provide documents to insurance and who I was just told 8 months in CNA National. Told they have no documents after speaking to four people they magically have documents. Told they are sent over which has been said so many times, and told to check back in a week to "make sure documents were sent". Pretty sure it's Kia's way of just screwing people out of their gap coverage so they lose the ability to use it. The worst communication, customer service, and the company has no ability to maintain organization with documentation. They are the worst.

Date of experience: August 14, 2017

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