McGrath Kia of St. Charles Finance Center

McGrath Kia of St. Charles Finance Center

Securing new Kia financing or a used car loan in St. Charles, IL – near Geneva, West Chicago, Glendale Heights, and Villa Park – is always a fast and hassle-free process at McGrath Kia of St. Charles! You don’t have to shop around and compare auto loan interest rates because our finance team does the work for you.

Between their years of experience helping shoppers find affordable financing and their vast knowledge of financial products, our representatives can put together a lineup of options to provide you with amazing value for your purchase. If you’ve chosen a new Kia K4 or other new Kia model, you can choose between a new Kia lease or new Kia loan. For a used Kia Sorento Hybrid or other pre-owned vehicle, our representatives can tap into our network of local reliable lenders to find you a low used auto loan rate. You can also add on extended warranties, pre-paid maintenance plans, and more. You’ll be able to see and get thorough explanations of all your options before you agree to anything.

We offer a variety of research tools here on our website to help you prepare for the auto financing step of your vehicle purchase. You can get an estimate on the current value of your trade-in. Estimate your monthly payment or calculate your buying power using our payment calculator. When you’re ready, go ahead and start the financing process by filling out our online application for pre-approval. If you have any questions at any time, feel free to contact our Finance Department.

Financing Made Easy

We aim to provide drivers with a host of ways to expedite the finance process! Drivers can utilize our handy Estimate Monthly Payments tool to get an idea of your monthly payments. Another online finance tool available is the Value Your Trade tool. Drivers interested in trading in a vehicle can utilize our Value Your Trade tool to get a vehicle trade-in estimate! Drivers looking to start the loan approval process can get a jump on the process by filling out our online finance application. We're all about convenience, here at McGrath Kia of St. Charles! If our digital retailing tools aren't ideal, drivers can always contact our finance team to speak with an in-house finance expert!

Auto Finance Vocabulary

• APR: The Annual Percentage Rate.
• Assignment: A transfer of a loan from one lender to another.
• Base Price: The costs of a car with standard equip incentives & freight.
• Certificate of Title: A Legal document issued by a state at the time of sale.
• Co-signer: A person who takes on a loan if the orig. borrower stops pay.
• Default: Failure to meet the terms of the loan.
• Interest: A percentage charge for a loan.
• MSRP: Manufacturers Suggested Retail Price.
• Refinance: When one loan is used to pay off another.
• Term: The length of the loan, 24, 48, 60... months.
• Underwriting: Verifying the data used to obtain a loan.