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What is the Difference Between Used and Certified Pre-Owned?

When searching for a used vehicle, Apex drivers want peace of mind. Thus, the differences between a CPO vs. a used vehicle are essential. First, you should know that both qualify as used cars. However, a certified pre-owned car goes through an extensive OEM inspection before it can qualify for the CPO program. At Hendrick Kia of Cary, we provide a detailed answer to “What is the difference between used and certified pre-owned?” right here in our comprehensive guide!

CPO vs. Used: Used Vehicle Details

As you know, used vehicles come with a lower price point than new vehicles. The price drop takes into consideration model, year, mileage, and the number of previous owners. Despite the rumors, high mileage on a used vehicle does not depreciate its value. Instead, the care and maintenance of the vehicle over time can outweigh the number of miles. When purchasing a used car, keep the following in mind:

  • Before purchasing any used vehicle, have it inspected by a technician you trust. At Hendrick Kia of Cary, all of our used vehicles have been exhaustively inspected by our very own service department.
  • Take the used car you’re interested in for a test drive around Apex to ensure you’re comfortable behind the wheel. While you’re out, be on high alert for any strange noises or other potential issues that may exist.
  • If you pick up on issues that were not disclosed to you, ask about them. You need to feel confident that the vehicle is safe and that you’re paying a fair price.

CPO vs. Used: CPO Details

When exploring CPO vs. used vehicles, keep in mind that there are requirements that a used car needs to pass to qualify as a certified pre-owned vehicle. To qualify for the Kia CPO Program, a used Kia must adhere to these stringent requirements:

  • Pass a 164-point inspection
  • No more than 5 model years old
  • Less than 60,000 miles on the odometer

CPO vehicles are usually newer than standard used vehicles and have low mileage, which typically contributes to a higher price range. In addition to the peace of mind you’ll feel from the CPO qualification factors, Kia CPO models offer these extra benefits:

  • 24-hour Roadside Assistance
  • Kia Certified Pre-Owned 10-Year/100,000-Mile Limited Powertrain Warranty (coverage begins on the original in-service date)
  • 1-Year/12,000 miles of Platinum Coverage
  • Travel breakdown coverage, emergency towing coverage, and rental car coverage

Compare CPO vs. Used from Hendrick Kia of Cary

Whether you live near Durham or in Raleigh, you deserve a quality vehicle. Contact our team at Hendrick Kia of Cary to learn more about the CPO vs. used options available at our showroom or with further questions relating to “what is the difference between used and certified pre-owned?” We are always happy to provide car-buying information you can trust!

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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 11/02/2026. 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 11/02/2026. 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 11/02/2026. 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 11/02/2026. 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 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 11/02/2026. 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 11/02/2026. 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 K5 models. 1.90% Annual Percentage Rate (APR) up to 48 months. $21.65 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia K5 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 11/02/2026. 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% 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 11/02/2026. See your participating Kia dealer for more details. **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 11/02/2026. 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 Sportage models. 0% Annual Percentage Rate (APR) up to 48 months. $20.83 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 11/2/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia Sportage 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 11/2/2026. 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 Sportage Hybrid models. 0% Annual Percentage Rate (APR) up to 48 months. $20.83 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia Sportage 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 11/02/2026. 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 2026 Kia Sorento models. 0% Annual Percentage Rate (APR) up to 48 months. $20.83 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia Sorento 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 11/02/2026. 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 Sorento Hybrid models. 0% Annual Percentage Rate (APR) up to 48 months. $20.83 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia Sorento 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 11/02/2026. 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.

Valid October 1–October 31, 2026. Valid at participating Kia dealerships. Offer is only good on eligible tires. For a list of all eligible tires, please contact your Kia Service Consultant. Excludes hazardous waste fee (except California), tax, and shop supplies, where applicable. Offer not valid on previous purchases. May be combined with select offers. Offer applies to eligible original equipment manufacturer, winter, and original equipment alternative tires only. Installation charges extra; required on all four tires. Installation of all four tires must be completed by November 7, 2026. Offer has no cash value. Additional terms and conditions apply; see your Kia Service Consultant for details. Customer must present offer at time of write up. Void where prohibited by law. Offer valid in the United States only. *Restrictions apply. Contact participating dealer for details. **Original Equipment Manufacturer. ***Original Equipment Alternative.

*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 11/02/2026. 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 11/02/2026. 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 11/02/2026. 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 11/02/2026. 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 Carnival models. 1.90% Annual Percentage Rate (APR) up to 48 months. $21.65 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Kia Carnival Models. $3,999 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 11/02/2026. 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 Carnival Hybrid models. 1.90% Annual Percentage Rate (APR) up to 48 months. $21.65 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Carnival 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 11/02/2026. 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 models. 1.90% Annual Percentage Rate (APR) up to 48 months. $21.65 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Niro Models. $3,499 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 11/02/2026. 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 Sportage Plug In Hybrid models. 0% Annual Percentage Rate (APR) up to 48 months. $20.83 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Sportage Plug In 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 11/02/2026. 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 Sorento Plug In Hybrid models. 0% Annual Percentage Rate (APR) up to 48 months. $20.83 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 Sorento Plug In 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 11/02/2026. 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 11/02/2026. 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 11/02/2026. See dealer for details..***$10,000 Customer Cash from Kia America for the purchase of a new 2026 Niro EV. Customer Cash must be applied toward the purchase of a new 2026 Nrio EV and not available for cash. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery by 11/02/2026. Limited inventory available. Offer not available for leases. See Kia retailer for available stock. ****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 11/02/2026. 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 11/02/2026. 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 11/02/2026. 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 11/02/2026. See dealer for details. ***$5,000 Customer Cash from Kia America for the purchase of a new 2026 EV6. Customer Cash must be applied toward the purchase of a new 2026 EV6 and not available for cash. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery by 11/02/2026. Limited inventory available. Offer not available for leases. See Kia retailer for available stock.****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. 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 11/02/2026. See your participating Kia dealer for more details. **Lease offer valid on 2026 EV9 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 11/02/2026. See dealer for details. ***$10,000 Customer Cash from Kia America for the purchase of a new 2026 EV9. Customer Cash must be applied toward the purchase of a new 2029 EV6 and not available for cash. Subject to vehicle availability and dealer participation. Offers may not be combined except where specified. Must take delivery by 11/02/2026. Limited inventory available. Offer not available for leases. See Kia retailer for available stock.****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.

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