Where to send a Kia payment
Kia Financial Company (the finance arm of Kia Motors) accepts payments through their online portal, by phone, by mail, and at some Kia dealerships. The method you use depends on how you financed your vehicle — whether you have a loan from Kia Financial Company directly, a lease, or financing through another lender.
If you financed through Kia Financial Company, you can pay online at their customer portal without logging in by visiting their payment page and entering your account number. You can also call their payment line at 1-800-333-4542 to pay by phone with a debit card or bank account. Payments by mail go to the address printed on your monthly statement.
If you leased a Kia, payments go to the same Kia Financial Company channels. If you financed through a bank, credit union, or third-party lender, you will make payments to that lender instead — check your loan documents or monthly statement for their payment instructions.
Key Takeaways
- Kia Financial Company customers can pay online without logging in, by phone, or by mailing a check to the address on their statement.
- The online payment portal processes payments the same day if submitted before 5 p.m. Eastern Time on a business day.
- If you financed through a bank or credit union instead of Kia Financial Company, send payments to that lender using the instructions on your loan documents.
- Late fees and interest charges explore if your payment arrives after the due date shown on your statement.
Paying online through the Kia Financial Company portal
The Kia Financial Company online payment portal does not require you to create an account or log in. Go to their payment page, enter your account number (found on your statement), and follow the prompts to enter your payment amount and payment method. You can pay with a debit card or by linking a bank account for an electronic transfer.
Payments submitted before 5 p.m. Eastern Time on a business day post to your account the same day. Payments submitted after 5 p.m. or on weekends and holidays post on the next business day. The portal shows you a confirmation number when ready after you submit — save this for your records.
There is no fee to pay online through the Kia Financial Company portal. Some third-party payment processors charge a convenience fee if you use their service instead, so check before you proceed if you are paying through a different website.
Paying by phone or through your bank
Call Kia Financial Company's payment line at 1-800-333-4542 to pay by phone. Have your account number and debit card or bank account information ready. A representative will process your payment and give you a confirmation number. This method works during business hours, typically Monday through Friday 8 a.m. to 6 p.m. Central Time.
You can also set up automatic payments through your own bank's bill pay service. Log into your bank's website or app, add Kia Financial Company as a payee, and schedule recurring payments for your due date. Your bank will mail a check on your behalf, so allow five to seven business days for the payment to arrive and post to your account.
Paying by mail
Write a check or money order payable to Kia Financial Company and mail it to the address printed on your monthly statement. Include your account number on the check. Mail your payment at least one week before your due date to account for postal delivery time — payments are considered late if they arrive after the due date, even if you mailed them on time.
Keep a copy of your cancelled check or a photo of the front and back for your records. If your payment does not post within two weeks of mailing, contact Kia Financial Company to confirm they received it.
What happens if you miss a payment
If your payment is not received by the due date on your statement, Kia Financial Company will charge a late fee. The amount varies by state and your contract terms, but typically ranges from $10 to $25 for the first late payment. Interest continues to accrue on your outstanding balance.
After 30 days past due, the late payment may be reported to credit bureaus and appear on your credit report. After 60 to 90 days past due, depending on your contract, Kia Financial Company may begin repossession proceedings. If you cannot make a payment on time, contact them when ready at 1-800-333-4542 to discuss options such as a payment extension or loan modification.
Payments for third-party financing
If you financed your Kia through a bank, credit union, or other lender, do not send payments to Kia Financial Company. Instead, send them to the lender named on your loan documents. Your monthly statement will show the correct mailing address and payment instructions.
Many banks and credit unions offer online payment portals, automatic payments, and phone payment options similar to Kia Financial Company. Log into your lender's website or call the customer service number on your statement to set up the payment method that works best for you.
Frequently Asked Questions
Can I pay my Kia loan at a dealership?
Some Kia dealerships accept payments as a courtesy, but this is not may provide. Call your local dealership to ask whether they process payments. Even if they do, paying online or by phone is faster and gives you an when ready confirmation number.
What if I pay online but my payment doesn't show up?
Payments submitted before 5 p.m. Eastern Time on a business day post the same day. If you submitted your payment outside those hours, it will post on the next business day. If more than one business day has passed, contact Kia Financial Company at 1-800-333-4542 with your confirmation number and they will locate your payment.
Can I make a partial payment?
Yes, you can submit a payment for any amount through the online portal or by phone. However, partial payments do not stop late fees or interest from accruing on the unpaid balance. If you are short on funds, contact Kia Financial Company to discuss a payment plan or deferment option.
Is there a fee to pay online?
Kia Financial Company does not charge a fee for online payments through their official portal. If you use a third-party payment processor or your bank's bill pay service, check whether they charge a convenience fee before you submit your payment.
What if I want to pay off my loan early?
You can pay off your loan at any time without penalty. Contact Kia Financial Company at 1-800-333-4542 to request a payoff quote, which shows the exact amount needed to close your account as of a specific date. Pay online, by phone, or by mail using that amount.