If you have good credit, do "NOT" use their financing. You will get a much better interest rate on your own. However, please note that for lease-end buyout, KIA Finance has a rule. In Colorado, lease buyout 'MUST" go through their dealerships. I have a leased vehicle with 6 months payment remaining, I kept getting emails and mails saying they wanted me to check out their options. I told them that I only needed financing to do a lease-end buyout. When I was there, no one could tell me the interest rate when they showed me the monthly payment on the first round. I was not pleased. Then they lowered the monthly payment on the second round, but the amount was still high. I decided to get a pre-approved interest rate on my own, but found out that If I wanted to buy the leased vehicle from KIA, I MUST use their financing and MUST pay the $699.50 dealer handling fee. I decided to just give them a cashier check and skip financing when my lease is up. Please be aware of their "business model".