Who does Kia financing pull?

[Anonymous]

Did they give you your score and what % interest you qualify for? Or just, "you qualify" and take the "certificate" to dealer?

[Anonymous]

Who the Captive Finance Co pulls (Kia Finance) when you apply online and who the Dealership pulls (likely all three) when you are in a dealership are two different things. Just keep that in mind. If you are approved online make it abundantly clear than when you go to the dealership you do not want them to pull any reports, that is of course if you are happy with the rate you got.

[Anonymous]

 Paul: so the online Captive Finance (in this case Kia) application result WILL tell you the %? Good to know. 

[Anonymous]

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@Anonymous wrote:

 Paul: so the online Captive Finance (in this case Kia) application result WILL tell you the %? Good to know. 

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I am not saying I know for a fact Kia gives you a hard offer, but I know other captive lenders do when you apply online.

When I apply online I will even go so far as to freez all three when I go into the dealer as I have heard horror stories about them doing muliple inquiries even though you have a pre approved offer in hand.

[Anonymous]

"but I know other captive lenders do when you apply online"—cool! this is very helpful. In the market myself for a new car, but a little weary of what these manufacturer pre-approved incentives actually mean. KIA is one of the incentives I am considering.