Welcome to Raceway Kia of Freehold’s Finance Center


When shopping for a new or pre-owned Kia vehicle in Freehold, one important step is applying for an auto loan or exploring other payment options. At Raceway Kia, our finance department will work with you to get the best deal possible for your next car, truck, or SUV. We know that financial worries can play a big role in drivers not getting the car they want; at Raceway Kia, our objective is to eliminate that concern. Our finance department works with drivers throughout central New Jersey to make the loan application process as simple and transparent as possible so you can drive off in your new or pre-owned vehicle as quickly as possible. 

Is Buying or Leasing a Kia Best for Me?

If a new Kia model catches your eye, there are two options for taking it home: buying or leasing. Buying a vehicle can be done by purchasing in full or by financing,  – applying for a loan and paying it off each month. Once the loan is fully settled, the car is fully yours to customize and drive for as long as you’d like. There are no mileage limits at any point of owning the car, and any maintenance or repairs are the responsibility of the owner. Purchasing is ideal for drivers who intend to use their car for many years to come, or who drive a high number of miles per year.

However, there are many circumstances where a lease makes more sense for the driver. If you need a vehicle for your current situation but know you are planning to move in two or three years to a location where a car isn’t necessary, a lease may be a better fit. Or maybe you are interested in driving the latest models throughout Freehold and the surrounding area. Most lease terms are for 24 to 36 months, so you can always be sure of driving a vehicle with the newest technology and safety features. Once the lease has concluded, you can trade the car in for another lease of the latest Kia model. Plus, the dealership will perform complimentary basic maintenance for the vehicle over this time. Of course, if you find you love the vehicle you leased, you also have the option to purchase the car with continued monthly payments at the end of the contract. 

Getting Help Financing your New or Pre-Owned Kia

If you decide to finance your next vehicle, there are many factors that will affect your monthly loan payment, your interest rate, and your total loan amount. Our highly knowledgeable auto finance team at Raceway Kia will be able to go over each detail of the loan so you know exactly how everything is calculated. Some of the main factors that influence your loan include the price and current mileage of the vehicle you have picked out, as well as your credit history and down payment. If you have an excellent credit report with no missed payments, you may be eligible for a loan with a low interest rate. If your credit needs some help – or you’re still building it up – you may have a higher interest rate, but we will work to keep your payments within your monthly budget. In order to see an estimate of what your monthly bill might look like, Raceway Kia offers an online payment calculator that takes the car price, interest rate, loan length, down payment, and trade-in value into consideration. 

Determining a Vehicle’s Trade-In Value

When you begin shopping for a new or pre-owned vehicle at Raceway Kia, you will need to consider what to do with your existing car. Did you know that your car can be traded in towards the purchase of your next vehicle? By using our Value Your Trade tool, you can determine the monetary value of your current car and leverage it towards your upcoming purchase. Trade value takes major aspects of your vehicle into consideration including make, model, mileage, and trim level. The final value of your vehicle is determined by an in-person assessment at our dealership by one of our used vehicle specialists. 

Vehicle Financing in Freehold, NJ

Once you’ve picked out your next car, schedule an appointment with the Raceway Kia finance department to go over your payment options. Our finance department is available by phone or appointment six days a week, or you can use our convenient online tools to gather and answer your questions. We look forward to helping you!

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Finance Center Info

Phone Number:Sales Hours:
  • Mon - Thu9:00 AM - 8:00 PM
  • Fri9:00 AM - 7:00 PM
  • Sat9:00 AM - 6:00 PM
  • SunClosed

Getting Help Financing Your New Car

If you’re not familiar with the process of financing a car, then you may not be aware of how many factors can pay into your loan amount and what your monthly payments might be. When you work with the Freehold Kia finance department, one of our finance professionals will walk you through the process step by step so that you know exactly how your loan is being determined.

For example, a few of the factors that can influence your loan amount can include the vehicle you’ve chosen, its price tag, mileage, how large of a down payment you’ve saved, and your employment/credit history.

Equally complex is how your monthly payment will be determined. Generally, there are there several factors that will be used to calculate your monthly payment, such as the length of your loan, your annual percentage rate (APR) as determined by your credit score, and the total value of your loan.

If this also seems a little daunting, never fear—the Freehold Kia finance department is here to make the process as straightforward, rewarding, and pressure-free as possible.

Questions? Contact Us!

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Raceway Kia of Freehold is located at: 4044 U.S. 9 • Freehold, NJ 07728
Raceway Kia of Freehold 40.2625396, -74.2932584.