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2020 kia optima black exterior

2020 Kia Optima

VS
2020 toyota camry blue exterior

2020 Toyota Camry

2020 Kia Optima vs. 2020 Toyota Camry

$23,390

MSRP

$24,425
2.4L I4

Base Engine

2.5L Dynamic Force I4
60-months/60,000-miles

Basic Warranty

36 months/36,000 miles
HD Radio™

Infotainment

Not available


If you’re searching for a reliable, feature-packed sedan with a proven track record, you’ve probably thought about Toyota or Kia sedans. While the Kia vs. Toyota comparison is neck-and-neck in many categories, there are a few differences where the new Kia Optima is a clear winner. Hendrick Kia of Cary in Cary brings you this Kia Optima vs. Toyota Camry comparison to illuminate the important differences you’ll want to consider before buying.

Kia Optima vs. Toyota Camry: Infotainment Features

Raleigh drivers want to stay connected on those long drives to Durham. Whether you choose Toyota or Kia, you can easily integrate your smartphone with Android Auto™, Apple CarPlay®, and Bluetooth® technology. However, as you make your sedan comparison, remember that the Optima has the edge with the following features that can’t be found on the Camry:

  • HD Radio™
  • Harman Kardon® QuantumLogic™
  • UVO link with 8-inch touchscreen display
  • Voice-command navigation system
  • 10-Speaker Premium Surround Sound with Clari-Fi™
  • Siri® Eyes Free
  • SiriusXM® Satellite Radio
  • Smart cruise control with Stop & Go
  • Smart Trunk™
  • Smart welcome

Kia Optima vs. Toyota Camry: Comfort

Once again, a Kia vs. Toyota mid-size sedan comparison shows that these two vehicles have a lot in common, but when it comes to comfortable cruising around Apex the Optima has more to offer. Each sedan comes with dual-zone automatic temperature control, 60/40 split-folding rear seat, ambient lighting, and heated front seats. However, the Optima offers a few key comfort features not available on the Camry:

  • Leather-wrapped steering wheel and shift knob
  • Sport steering wheel with paddle shifters
  • Sport leather seat trim
  • Driver’s seat memory system
  • 12-way power driver’s seat with lumbar support
  • Eight-way power front passenger’s seat with lumbar support
  • Ventilated front seats
  • Heated steering wheel

Kia Optima vs. Toyota Camry: Safety Features

A mid-size sedan comparison would not be complete without pointing out essential safety features. Some vehicles require costly upgrades in order to get crucial safety features, but that’s not the case for Toyota and Kia vehicles. The all-new Kia Optima takes safety seriously and offers the following features:

  • Forward collision warning
  • Reverse parking distance warning
  • Driver attention warning
  • Lane change assist and keeping assist-line

Find a 2020 Kia Optima for Sale With Hendrick Kia of Cary

When you look at these Kia vs. Toyota sedan comparisons, it’s clear the Optima is a better overall value with more standard features and a lower starting MSRP. If you’re still narrowing down your choices, Hendrick Kia of Cary can help. Check out our extensive inventory of new Kia Optima models and our new vehicle specials, and then give us a call.

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Hendrick Vehicle Disclaimer: $899.00 Dealer Administrative Fee included in advertised price. All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer.\n\nAll vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale. Additional Disclaimers:
*Offer valid on new 2026 Kia Niro EV models. 0% Annual Percentage Rate (APR) up to 72 months. $13.89 per month per $1,000 financed at 72 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia K4 Models. $3,499 due at Signing. Offer valid on a 36 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details. ***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer valid on new 2026 Kia EV9 models. 1.99% Annual Percentage Rate (APR) up to 84 months. $12.72 per month per $1,000 financed at 84 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. New vehicles only. This incentive is a limited-time offer on eligible Kia vehicles. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. Dealer contribution may vary and could affect actual monthly payment. See your participating Kia dealer for more details. Limited inventory available. **Offer valid on 2026 Niro EV and 2026 EV9. Offers may not be combined except where specified. Offer valid on Must take delivery from a participating dealer and from retail stock by 9/30/2026. Dealer contribution may vary and could affect actual monthly payment. See your participating Kia dealer for more details. Limited inventory available. ***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer valid on new 2027 Kia Telluride models. 3.99% Annual Percentage Rate (APR) up to 48 months. $22.57 per month per $1,000 financed at 48 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. See your participating Kia dealer for more details. **Lease offer valid on 2027 Telluride Models. $3,999 due at Signing. Offer valid on a 24 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details.***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer valid on new 2027 Kia Telluride Hybrid models. 3.99% Annual Percentage Rate (APR) up to 48 months. $22.57 per month per $1,000 financed at 48 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. See your participating Kia dealer for more details. **Lease offer valid on 2027 Telluride Hybrid Models. $3,999 due at Signing. Offer valid on a 24 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details.***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

Restrictions apply. Visit your nearest service location for complete details.

*Offer valid on new 2026 Kia K4 models. 2.90% Annual Percentage Rate (APR) up to 48 months. $22.09 per month per $1,000 financed at 48 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia K4 Models. $3,499 due at Signing. Offer valid on a 36 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details. ***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer valid on new 2027 Kia Seltos models. 3.99% APR up to 48 months. 3.99% Annual Percentage Rate (APR) up to 48 months. $22.57 per month per $1,000 financed at 48 months. 4.49% Annual Percentage Rate (APR) up to 60 months. $18.64 per month per $1,000 financed at 60 months. 5.49% Annual Percentage Rate (APR) up to 66 months. $17.59 per month per $1,000 financed at 66 months. 5.99% Annual Percentage Rate (APR) up to 72 months. $16.57 per month per $1,000 financed at 72 months. 7.00% Annual Percentage Rate (APR) up to 84 months. $15.09 per month per $1,000 financed at 84 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. New vehicles only. This incentive is a limited-time offer on eligible Kia vehicles. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 09/30/2026. Dealer contribution may vary and could affect actual monthly payment. See your participating Kia dealer for more details. Finance contract must be signed and dated no later than 09/30/2026. Limited inventory available. **Lease offer valid on 2027 Kia Seltos Models. $3,799 due at Signing. Offer valid on a 36 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details. ***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer valid on new 2026 Kia Niro EV models. 0% Annual Percentage Rate (APR) up to 72 months. $13.89 per month per $1,000 financed at 72 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Niro EV Models. $3,999 due at Signing. Offer valid on a 24 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details..***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer valid on new 2027 Kia EV3 models. 0.90% Annual Percentage Rate (APR) up to 48 months. $21.22 per month per $1,000 financed at 48 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. See your participating Kia dealer for more details. **Lease offer valid on 2027 Kia EV3 models. $3,999 due at Signing. Offer valid on a 24 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details.***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer valid on new 2026 Kia EV6 models. 0% Annual Percentage Rate (APR) up to 60 months. $16.67 per month per $1,000 financed at 60 months. APR financing subject to credit approval by Kia Finance America (KFA), through KFA, for well-qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery from a participating dealer and from retail stock by 9/30/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 EV6 Models. $3,999 due at Signing. Offer valid on a 24 month term at 10,000 miles per year. Lease offer is only available to well-qualified lessees. No security deposit required. Actual payments may vary. Subject to credit approval by Kia Finance. Lessee is responsible for insurance, maintenance, repairs, $0.20 per mile over 10,000 miles/year, excess wear, and a termination fee of up to $400. Subject to dealer participation. Offers may not be combined except where specified. Must take delivery by 9/30/2026. See dealer for details. ***Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

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