Welcome to Our Auto Finance Center in Phoenix, AZ

The associates at Camelback Kia's finance department are here to ensure that you have a streamlined experience, whether you apply for financing from home or in person. They'll work with you to make sure you get the right financing plan for your needs, and will also assist you with taking advantage of available incentives.

Our dealership makes financing easy with quick approvals, competitive rates, extended warranty options and the ability to apply online. Plus, with flexible terms and manufacturer specials, you'll benefit from having a variety of options and ways to save.

Begin the financing process online now using our secure application! It's free to apply and our representatives will get your application processed quickly once you've submitted. Please call with any questions or use our online contact form to email us your inquiries.


What Credit Score Is Needed to Buy a Car?

There is no specific credit score that's required to get an auto loan. While a higher credit score can help, and often leads to getting better rates and terms, there are several other factors involved when determining who qualifies for vehicle financing. According to national data, a notable amount of borrowers with subprime and deep-subprime credit qualify for car loans each year. So even if you think your credit is subpar, you may still be approved.

Does Kia Finance Buyers With Bad Credit?

Whether you have bad, little or no credit, it's worth it to apply and see what options are available to you. Camelback Kia is connected with many local and national lenders, so if you are not approved by Kia Motor Financing, we may still be able to accommodate you.

There is no minimum credit score required to finance a car. However, we recommend taking a few extra steps if your credit is less than optimal. Bringing in proof of income, insurance documents, and paperwork showing that you consistently pay your bills on time (i.e., rent, phone, etc.) will increase your chances of getting approved for financing. Having a more substantial down payment or co-signer are also options that can help.

Is It Better to Lease or Finance My Kia?

This depends on several factors, ranging from your interest in vehicle ownership to how low you want your monthly payments to be and if you have money for a down payment. Click here to learn more about car leasing and the benefits it offers.


While car leasing is popular, financing is a great option for many drivers and it offers its own set of advantages. If you decide to finance a Kia or another vehicle at our dealership, you can look forward to the following:

  • Long-term ownership of a vehicle that you love.
  • Once the car is paid off, you'll be payment free.
  • No mileage restrictions. You don't have to worry about going over yearly mileage limits like you might when leasing a car.
  • Modify your car how you wish. Getting high-performance brakes, a new paint job or other modifications is not a problem. When leasing, you cannot make vehicle customizations.
  • Build your credit score. Make your payments on time and you'll see your credit score rise.

If you have additional inquiries, contact the Camelback Kia finance department today. Our auto finance center is proud to serve drivers from Tempe, Scottsdale, Glendale and other cities around the Phoenix metro area. We look forward to working with you!

Your privacy is important to us.

Camelback Kia takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.



  • Monday 8:00 am - 9:00 pm
  • Tuesday 8:00 am - 9:00 pm
  • Wednesday 8:00 am - 9:00 pm
  • Thursday 8:00 am - 9:00 pm
  • Friday 8:00 am - 8:00 pm
  • Saturday 8:00 am - 8:00 pm
  • Sunday 10:00 am - 6:00 pm