Welcome to Our
Financing Department


Credit Application

The Easy Way to Finance with Kia Santa Maria

Whether you choose a brand-new Kia model from our collection or one of our top-quality, used car or SUV models, you can count on the team in our finance center to help you navigate the world of auto financing. We work with your specific needs and budget to find the payment plan you like, and we work with a number of financial institutions and banks throughout the Santa Barbara, Lompoc, San Luis Obispo, Orcutt and Guadalupe CA area, to guide our customers to the perfect deal they can live with, every time.

You can do it all Online

We know your days are busy in Santa Barbara or Lompoc. You've got a full-time job, a family to take care of, and errands to run on weekends. So, when you need a new or used car but you don't have the time to get it done in person, we've provided an easier way. In a matter of clicks on your desktop or swipes on your device, you can shop, finance, and purchase your vehicle. Your brand-new Kia is just a website away.

Get the Ball Rolling on Financing Your Next Car in Santa Maria


When you're ready to drive your next car home, the experts at Kia Santa Maria are standing by to help demystify the process. We can answer any questions that you may have, or if you're ready to put us to work for you now, simply fill out our online credit app. That way, we can hit the ground running and you'll be one step closer to owning your next car.

Credit Application

Step One: Determine Your Budget

The best way to prepare for a new expense is through careful balancing. So, we've created an easy-to-use method that will help you configure everything beforehand. You can use our payment calculator tool to find your estimated monthly car note. You'll factor in the price of your vehicle, the downpayment, term, and estimated APR. In just a few moments, you'll have the figures you need to help balance your new car payment. Eliminate the unexpected with Kia Santa Maria.

Step Two: Find Your Vehicle

Now that you know your target price range and budget, it's time to shop for your next vehicle. We have a variety of brand-new Kia models available today. Vehicles like the sporty 2022 Kia K5, the spacious 2022 Kia Carnival, and the electric-powered Kia Niro. You can browse our pre-owned inventory for more variety from a wealth of different makes and models. We have well over a dozen auto brands in stock for you to choose from. Find your car and get rolling in Lompoc or San Luis Obispo today.

Step Three: Apply for Financing

When you're ready to apply for financing, we'll be ready to help you stay within your budget. We have excellent relationships with a number of lenders in Orcutt, Guadalupe, and beyond. So, you'll always have an excellent opportunity to find a loan at a rate that suits your budget. You can apply online or handle everything in person. Either way, we'll work hard to help you get the keys to your new or used vehicle today.

Step Four: Find Your Trade Value

If you have a vehicle you want to trade in, we'll gladly accept it. You can find your trade value online and get the estimated amount of money your car is worth. From there, you'll bring your vehicle to our dealership for a final valuation. Afterward, your trade value will be applied to your new purchase. So, you can wind up spending nothing out of pocket to take your car home today.

Step Five: Receive your Keys

After everything is said and done, you can finalize your purchase and set up a time to grab your vehicle. You can get everything done at any time during the day. So, how will you look in the driver's seat of your brand-new Kia? Be sure to take a picture and send it over to us when you have the keys in your hand.

Kia Santa Maria

It's never been easier to finance your new or used vehicle in Santa Maria. Get everything done online and eliminate the stress that comes with car shopping. We've got the inventory, we've got great financing options, and excellent customer service. All we're waiting for is you! Get the keys to your new or used vehicle today.

  1. Kia Santa Maria

    2175 S. Bradley Road
    Santa Maria, CA 93455

    • Sales: (805) 268-7980
Loading Map...

Get In Touch

  • PHONE NUMBER: (805) 268-7980
  • Monday10:00AM-6:00PM
  • Tuesday10:00AM-6:00PM
  • Wednesday10:00AM-6:00PM
  • Thursday10:00AM-6:00PM
  • Friday10:00AM-6:00PM
  • Saturday10:00AM-6:00PM
  • Sunday11:00AM-5:00PM