FAQs

Payments

Where do I send my monthly payment?

RETAIL Customers:

 

Regular Mail:

 

Overnight:

 
 

Kia Motors Finance

P.O. Box 650805

Dallas, TX 75265-0805

 

Kia Motors Finance

Box 650805

1501 North Plano Rd Suite 100

Richardson, TX 75081

 

LEASE Customers:

 

Regular Mail:

 

Overnight:

 
 

Kia Motors Finance

P.O. Box 660891

Dallas, TX 75266-0891

 

Kia Motors Finance

Box 660891

1501 North Plano Rd Suite 100

Richardson, TX 75081

 

LEASE PAYOFF CHECKS to purchase your leased vehicle must be payable to HCA Exchange, Inc., and sent to a different address. See Where to mail my payoff check?

Where do I view my payment history online?

Click "Payments" at the top of the page and select the "View History" tab, or click here (login required).

What options do I have to pay my bill?

AutoPay: Have your monthly payment automatically debited from your bank account. You’ll save time and postage.

Enroll online now

Print and return PDF version

Online: Make a one-time payment or sign up for recurring payments.

Mobile: Enjoy the convenience of making your payment from your smartphone or tablet.

Mail:

Retail customers: Kia Motors Finance, PO Box 650805, Dallas, TX 75265-0805

Lease customers: Kia Motors Finance, PO Box 660891, Dallas, TX 75266-0891

Be sure to include both your payment and remit coupon.

Phone: Call (866) 498-4455. Please have your KMF account and banking information ready. There is a convenience fee to use this service.

In Person:

Western Union: Call (800) 325-6000 to find a location. Provide the city code (KMF) and state code (CA).

MoneyGram: Call (800) 926-9200 to find a location. Use code 3984.

Western Union or MoneyGram will charge you a convenience fee for these services. KMF may retain a portion of this fee. When using one of our "cash only" locations, please reference your billing statement to ensure you have the correct account number and codes.

Can I make a payment with a credit card?

It is not possible to use a credit card to directly pay your bill with Kia Motors Finance. However, you may pay Western Union by Visa or MasterCard to make a payment for you. Fees and restrictions apply. You can contact Western Union at one of their locations, online at http://www.westernunion.com/ or by phone at (800) 634-3422.

 

Provide the following information when paying through Western Union:

 

Pay to:

Kia Motors Finance

Code City:

Kia

State:

CA

Is there a minimum or maximum amount for one-time payments?

The minimum amount is $1. The maximum amount that can be processed at one time is $25,000 if paying online, and $2,500 if paying by phone.

My payment has posted to my KMF account but has not been drafted from my bank account. Why is that?

Payments will post to your Kia Motors Finance account for the selected scheduled date. Payments submitted after 8 p.m. Eastern Time on any day will be posted to your account as of the next day. It may take up to 5-7 days for your payment to be reflected in your bank account. For issues concerning your bank account, please consult your bank or financial institution if necessary.

I made a double payment in error. Can I request a refund?

The duplicate payment will automatically be credited to your next month’s payment.

 

If you prefer a refund, please fax a written request and supporting documentation indicating that a duplicate payment was made (such as payment history, etc.) to (714) 965-0520. Please allow 15 business days from the original posting date for your refund.

May I schedule my regular recurring payment for more (or less) than my regular monthly payment?

You may schedule an automatic payment for an amount that is more than your regular monthly payment amount. You may not schedule an automatic payment that is less than your regular monthly payment amount.

How much time is needed before recurring payments are active?

Recurring payments must be set up at least 3 days before your next due date.

 

Payments submitted after 8 p.m. Eastern Time on any day will be posted to your account as of the next day.

Why can't I schedule a recurring payment for my account?

The following may be reasons why you may not be able to schedule an automatic payment:

  1. You have less than 2 payments remaining on your account.
  2. Your account may be past due or in default. Once the account is current you may schedule a recurring payment.
  3. You may have defaulted on a previous recurring payment schedule. You may be eligible to resume using automatic payments after making 3 consecutive on-time payments.

 

Recurring payments must be set up at least 3 business days before your next due date.

Make a One-Time Payment

Can I make changes to my recurring payment schedule or bank information?

You may edit or cancel your AutoPay settings at any time by visiting the Payments section of our website and save your changes.

Will my recurring payment automatically stop at the end of my contract or when I payoff my vehicle?

No. It is recommended to set up recurring payments for the original term of your contract. Additionally, it is your responsibility to stop any automatic payments set up through your financial institution.

Will I continue to receive a paper statement after I've enrolled in recurring payments?

No. When you sign up for recurring payments, you will be notified by email when your statement and notices are available for viewing online. If you’d like to once again receive paper copies, go to "My Account", click the "My Profile" tab, choose "Paperless Statements" and uncheck the box.

How is simple interest calculated on my account?

For Retail accounts, interest is calculated on a daily basis at the Annual Percentage Rate on the unpaid remaining pricinpal Amount Financed.

Can I refinance my retail account with Kia Motors Finance?

Kia Motors Finance does not offer refinancing at this time.

Statements

How do I view my billing statement online?

Go to "My Account" and click the "Statements" tab, or click here (login required). Once you see your billing statement online, you may also print and/or save a copy for your records. Your previous 12 months’ statements are available online.

 

If you need statements beyond 12 months, please contact customer service at (866) 331-5632.

When will my most recent billing statement be available?

Your billing statement is generated 20 days before your payment due date. You should receive a billing statement from Kia Motors Finance approximately 10 days before your due date. You can sign up to receive an e-mail alert when your statement is available for viewing online: Click here, or click on "My Account," then the "My Profile" tab, and choose "Email Alerts."

Can I stop receiving my paper billing statement?

Yes! Go to "My Account," and click on the "My Profile" tab and choose "Paperless Statements" where you can choose electronic delivery, or click here (login required). If you select this option, you will receive an email notification when your monthly statement is available for viewing online.

 

When you sign up for automatic recurring payments, you will be enrolled in our Paperless Program, as well as enjoy the ease of having your payment automatically debited from your bank account each month.

Enroll online now

Print and return PDF version

Will I continue to receive a paper statement after I've enrolled in recurring payments?

No. When you sign up for recurring payments, you will be notified by email when your statement and notices are available for viewing online. If you’d like to once again receive paper copies, go to "My Account", click the "My Profile" tab, choose "Paperless Statements" and uncheck the box.

What should I do if I don't receive my first monthly billing statement?

You should view your statement online to determine if it has been generated, and if your address is correct. If there is a problem, please contact customer service at (866) 331-5632.

Apply for Credit

What information do I need to provide on my online credit application?

You will need to provide some basic personal identification, contact and income information.

How does Kia Motors Finance protect information I provide on my online application?

We value your privacy and security. Our Online Privacy Policy explains how we protect your privacy while using our website.

What happens once I complete the online application process?

Within minutes, you’ll receive a credit decision. If approved, you will receive an Approval Certificate, valid for 30 days from the date it’s issued, which you can use at the Kia dealer that you selected in your credit application. The Kia dealer you selected may also contact you to schedule an appointment or to discuss your financing needs.

 

In some cases, Kia Motors Finance and the dealer you selected to apply for credit with may need more information to finalize a credit decision. You will be provided with additional instructions should this be the case.

Why did I get a message saying I cannot use the online credit application?

Your selected dealer is not participating in the online credit application program.  You may choose another Kia dealer to apply online.

How will the final sales price be determined?

The website and the online credit application lists the MSRP. The final vehicle price will be agreed upon by you and the dealer.

FICO® Score

What is a FICO® Score?

A FICO® Score is a three-digit number that is used by lenders to evaluate your credit risk based on your credit history at a particular point in time. It influences the credit that is available to you, as well as the terms that can be offered when a credit decision is made.

 

It is also commonly referred to as simply a "credit score" or "credit rating."

 

View our available Frequently Asked Questions About the FICO® Score (PDF) and Understanding Your FICO® Score (PDF) publications for more detailed information about the FICO® Score, credit, and how they affect your financial health.

Can Kia Motors Finance show me my FICO® Score?

Yes. Kia Motors Finance allows you to view your FICO® Score through your online account -- just one of the many perks of doing business with Kia Motors Finance!

Do I have to pay to see my FICO® Score through Kia Motors Finance?

No. This is an entirely complimentary benefit provided to our customers.

What are the requirements for viewing my FICO® Score through my KMFUSA.com account?

You must:

  1. Have an existing and active finance or lease contract with Kia Motors Finance
  2.  

  3. Be the primary account holder for your Kia Motors Finance account (as determined by the account owner on the vehicle finance or lease contract)
  4.  

  5. Have sufficient credit history to allow calculation of a score

Do I need to provide any other information to enroll?

You only need to opt in at enrollment; no additional information is needed. Your FICO® Score is automatically pulled quarterly using some of your Personally Identifiable Information for the purpose of managing your account with us, and this score is now being made available for you to see as well.

 

It should be noted that all Personally Identifiable Information used in this way is intended solely to retrieve your FICO® Score and remains protected under the terms of our Privacy Policy.

How do I access my FICO® Score through Kia Motors Finance?

Your FICO® Score can only be accessed through your KMFUSA.com online account.

 

Follow these steps to access your FICO® Score:

  1. Create or login to your KMFUSA.com online account
  2.  

  3. On the Account Summary page, click the "FICO® Score" image located on the right side of the page
  4.  

  5. You must opt in by checking the box to accept the "Terms & Conditions," then click "Enroll Now"
  6.  

  7. Your FICO® Score (if available) will now automatically appear in the FICO® Score display section on your Account Summary page!

 

Feel free to opt out at any time by going to the "My Profile" tab, selecting the "Preferences" bar, and unchecking the box stating "View My FICO® Score Online."

How often will my FICO® Score be updated through my KMFUSA.com account?

Your FICO® Score will update automatically on a quarterly basis (approximately every 90 days) for as long as you have an active finance or lease contract with Kia Motors Finance. Check back each quarter to see your most current score.

Which credit agency provides the FICO® Score for my KMFUSA.com account?

Kia Motors Finance has partnered with FICO and Experian to provide you with your FICO® Auto Score 8 based on Experian data.

 

You also have the right to obtain a free credit report annually from each of the three major consumer reporting agencies. To request a copy of your credit report from all agencies, please visit AnnualCreditReport.com

I have multiple people on my KMFUSA.com account. Can we all view our FICO® Scores?

Unfortunately only the primary account owner as determined by the terms of the finance or lease contract can access his or her FICO® Score.

Why don't I see an option to opt in to see my FICO® Score on my Account Summary or My Profile pages?

The option to access FICO® Scores will only appear to customers who currently have a FICO® Score on file that can be retrieved. Customers who have recently purchased or leased a vehicle with us will most likely not have a score available at this time. Once customers are registered in our database as a FICO® Score program participant, we will be able to provide a quarterly score.

 

If this is the case, check back with your KMFUSA.com online account on a later date. We update our database of participants every quarter, and the option should automatically become available within approximately 90 days

I've opted in to see my FICO® Score. Why isn't my score showing?

It is likely that you do not have sufficient information in your credit file or do not fulfill the minimum requirements to have a FICO® Score.

 

Refer to our available Frequently Asked Questions about the FICO® Score (PDF) publication for information on how you can meet the minimum eligibility requirements.

Can I keep my KMFUSA.com account open without an active finance or lease contract and continue to view my FICO® Score?

The FICO® Score program will remain available to customers and updated quarterly for up to a year after the completion of your finance or lease contract with Kia Motors Finance.

 

After that time, if you have no other active contracts on your account, you will no longer be able to access your FICO® Score through your KMFUSA.com account.

Why is the FICO® displayed through my Kia Motors Finance online account different than a score I have retrieved from another source?

There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, but different lenders (such as auto lenders and credit card lenders) may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores.

 

The FICO® Auto Score 8 based on Experian data that is being made available to you through this program is the specific score that we use to manage your account. When reviewing a score, take note of the date, consumer reporting agency, credit file source, score type, and range for that particular score.

 

For more information on the various factors that contribute to your FICO® Score, refer to our available Frequently Asked Questions About the FICO® Score (PDF) publication.

I've received my FICO® Score by mail in the past. Can I continue receiving my FICO® Score by mail rather than online?

Unfortunately we have discontinued the FICO® Score program via mail. It has since migrated entirely online and is only accessible through your KMFUSA.com online account. We apologize for any inconvenience.

 

Fortunately, opting in is fast, easy, and free through your KMFUSA.com online account!

Where can I get more information about the FICO® Score?

View our available Frequently Asked Questions About the FICO® Score (PDF) and Understanding Your FICO® Score (PDF) publications for more detailed information about the FICO® Score, credit, and how they affect your financial health.

Who can I contact if I have questions about my FICO® Score?

Because your FICO® Score is based on the information in your credit report, it is very important to make sure that the credit report information is accurate. You may get a free copy of your credit report annually. To request a copy of your credit report, please visit AnnualCreditReport.com.

 

Please note that your free credit report will not include your FICO® Score. If you have questions on your report, you can contact Experian at 800-397-3742.

Disclaimer: FICO® Scores provided by Kia Motors Finance are provided to consumers solely for their own non-commercial educational review, use, and benefit. The FICO® Score provided to you is the FICO® Auto Score 8 based on Experian data, and is the same score that Kia Motors Finance uses, along with other information, to manage your account. The credit file used to create your FICO® Score is continuously updated, and this FICO® Score may not reflect the most current data on your credit file. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

 

Kia Motors Finance and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. KMF and Fair Isaac do no provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history, or credit rating.

Payoffs and Titles

Where do I mail my payoff check?

RETAIL Customers

 

Mail a check or money order for the full payoff amount, along with your account number, to:

 

Kia Motors Finance
P.O. Box 650805
Dallas, TX 75265-0805

 

We will mail the title or lien release to the address on record for the primary account holder. Please let us know if you would like us to mail the release to a different address by contacting us at (866) 331-5632. To mail the title or lien release to a third-party, the primary account holder must provide written authorization.

 

LEASE Customers

 

Lease payoff checks to purchase your leased vehicle, must be payable to HCA Exchange, Inc.


Mail a check or money order, for the full payment amount along with your account number, and a completed Odometer Disclosure Statement to:

 

HCA Exchange, Inc.
Dept. 14301
5505 North Cumberland Ave., Suite 307
Chicago, IL 60656-1471

 

Note: The odometer disclosure statement is required to complete the processing of your payoff.

How is the payoff calculated on a retail account?

The payoff is calculated on the current principal balance. The payoff amount will include interest for 21 days from the date the payoff is quoted. Any overpayment refund will be issued within 15 business days. Payoffs may include outstanding fees (late fees, returned check fees, etc.) owed on the account.

How long will it take to receive my title after my account is paid off?

Your vehicle's title and/or lien release will be mailed either:

  • 15 business days after full payoff has been received, or
  • At any earlier time, if required by applicable state law.

 

If the title is an electronic title, you will receive a paid-in-full letter instructing you to visit the DMV and request a paper title. You will be charged a fee by the DMV.

Will my recurring payment automatically stop at the end of my contract or when I payoff my vehicle?

No. It is recommended to set up recurring payments for the original term of your contract. Additionally, it is your responsibility to stop any automatic payments set up through your financial institution.

Leasing

Is leasing right for me?

Generally, when you lease a vehicle, you're only paying for the portion of the vehicle you use over the course of the lease -- usually 2 to 4 years. Since you're not making payments based on the entire value of the car, your monthly payments will generally be lower than if you were to purchase the same vehicle. A lower down payment, or none at all, may also be possible.

 

You may incur extra charges if you drive more than a certain number of miles per year -- usually between 10,000 and 15,000 -- or if there is excess wear and use when you return the car at lease end. Also, if you terminate your lease early, you may be subject to an early termination liability, which could be significant. Your Kia dealer is knowledgeable about both leasing and buying, and can provide you with specific purchase or lease details about the vehicle you are interested in.

 

As always, it’s recommended that you consult an independent source(s) to determine which option is best for you.

What is residual value?

Residual value is the estimated value of your vehicle at lease maturity, which is predetermined at lease inception.

What are my options at the end of my lease?

Check out our Lease-End Overview page for a full rundown of your options as you prepare for the end of your lease term.

How do I return my leased vehicle?

Visit our Lease-End Overview page for a detailed, step-by-step overview of the vehicle inspection and turn-in processes.

 

You may also contact your Lease-End Advisor at (855) 537-8542, 8 a.m. - 9 p.m. EST, Monday - Friday with any inquiries related to the lease-end process.

Account Updates

Can I change the due date on my account?

The due date can be changed twice during the account term, but no more than once per calendar year. It can be changed once online by visiting the "My Profile" page. The date can be moved up to 20 days beyond the current due date. To change your due date, your account must be current. (Lease accounts are not eligible for due date changes.)

Can I make changes to my recurring payment schedule or bank information?

You may edit or cancel your AutoPay settings at any time by visiting the Payments section of our website and save your changes.

How do I update the address on my account?

Click "My Account" at the top of the page or click here. Once you are logged in, click the "My Profile" tab, and select "Account Information". Please make the necessary updates to your Mailing, Billing or, if you are leasing a vehicle, your Garaging address.

 

If you have moved to a different state, you may be required to process an Out of State Title Transfer. Contact your local Department or Bureau of Motor Vehicles for this information.

 

Lease customers: If you are moving to a different state than the one where you bought or leased your car, there may be a change to your monthly payment amount due to state-specific tax requirements.

The information in my Account Summary is inaccurate.

If you have any questions or concerns regarding your Account Summary, please contact Customer Service at (866) 331-5632.

I have changed my name. How can I get this reflected on my account?

You may submit a request to correct or update your name as it appears on your account. Once you are logged into the website, click on the "My Profile" tab, then "Account Information". To complete your request, please fax the following documents to (714) 965-0520:

  • A written request that includes your name and KMF account number.
  • For corrections due to a misspelling, please fax us a copy of your current driver’s license
  • For a name change, please fax us a copy of supporting legal documents (i.e., a court declaration of name change, marriage certificate or divorce decree, or citizenship certificate).

 

Requests will be processed within 5 business days.

How do I remove a name from a Certificate of Title on a retail account?

You may request KMF (as lienholder) to provide consent for your name to be removed from the Certificate of Title under the following limited conditions:

 

  1. Customer is deceased: If you have a joint account and one of the account holders is now deceased.
  2. Driver’s license is suspended: If you have a joint account and one of the account holder’s driver licenses is suspended.
  3. Customer is incarcerated. If you have a joint account and one of the account holders is incarcerated.

Please note that if you choose to remove your name from a Certificate of Title, you are relinquishing all of your rights and ownership interests to the vehicle. If your name is removed from Title, you will continue to be fully responsible for the debt and all other obligations under your contract. As such, please carefully consider your request to remove your name from Title.

 

A written request with a detailed explanation of your request, your KMF account number, and any supporting documentation (death certificate, DMV paperwork, etc.) must be faxed to (714) 965-3972, "Attn: Titles Department" or mailed to:

 

Kia Motors Finance

Attn: Titles Department

P.O. Box 20825

Fountain Valley, CA 92728

 

Note: The address provided above is different from the payment address printed on your monthly statement.

Deceased Customer

If the deceased is the only account holder and you want to notify us on the deceased’s behalf, please fax us the following documents to (714) 965-0520, or mail to:

 

Kia Motors Finance

Attn: Customer Service

P.O. Box 20825

Fountain Valley, CA 92728

 

  • Copy of the death certificate;
  • Written notice providing your name and contact information and the address where the vehicle is located; and
  • Documentation relating to the execution of the will or trust, if any, or appointment of an executor or administrator of the estate.

 

Note that if the account is a joint account or there is a co-signer, the suriving account holder or co-signer continues to be liable for the account.

Can I register multiple Kia Motors Finance accounts online?

Yes. If you are the primary account holder or co-signer on multiple accounts with KMF, you may link all of your accounts to your current Username and Password. (Your email address may only be registered once with KMF.)

 

To link another account simply select "Add Account" next to your account number on your Account Summary page.

If you do not wish to link your accounts, you will need to have a different username and email address for each one.

Can I refinance my retail account with Kia Motors Finance?

Kia Motors Finance does not offer refinancing at this time.

Website Issues

How do I register my account online?

You can register your account here, or from the home page, click the "Not Registered?" link. You will need your account number, the last 4 digits of your Social Security number, your date of birth, and a valid e-mail address.

Problems with Registration

Please confirm that you have entered all information correctly. You must enter the information exactly as it appears on your contract or statement. Please remember that the username and password are case sensitive.

 

If you need additional help, please contact Customer Service at (866) 331-5632.

 

Hours of operation: Monday through Friday, 8 a.m.-9.p.m. Eastern time.

Can I register multiple Kia Motors Finance accounts online?

Yes. If you are the primary account holder or co-signer on multiple accounts with KMF, you may link all of your accounts to your current Username and Password. (Your email address may only be registered once with KMF.)

 

To link another account simply select "Add Account" next to your account number on your Account Summary page.

If you do not wish to link your accounts, you will need to have a different username and email address for each one.

Forgot Password

If you have forgotten your password, please select the Forgot Password link on the left hand log in box, or click here. Enter your username, personal information and answer to your Secret Question. You will be able to reset your password and log in to your account.

 

Please note: For your security, your account will be locked after four unsuccessful login attempts. If this happens, you must contact Customer Service at (866) 331-5632 for assistance.

 

Hours of operation: Monday-Friday, 8 a.m.-9 p.m. Eastern Time.

Forgot Username

If you have forgotten your username, please select the Forgot Username link on the left hand log in box, or click here. Enter your email address, personal information and answer to your Secret Question.

 

Please note: For your security, your account will be locked after four unsuccessful login attempts. If this happens, you must contact Customer Service at (866) 331-5632 for assistance.

 

Hours of operation: Monday through Friday, 8 a.m.-9 p.m. Eastern time.

Which browsers work best when viewing the Kia Motors Finance website?

For the best experience, we recommend using Internet Explorer 8 and higher, or Safari. Google Chrome users may encounter issues while making payments. If you are unable to make a payment using Google Chrome, try using one of the browsers above to complete your transaction.

Why is the website slow or unable to load?

There are a number of variables that could be the cause. Your connection speed may improve if you delete your browsing history, cookies, cache, and temporary Internet files from your selected browser.

 

Please visit one of the following links for additional browser support:

 

Internet Explorer

Safari

Firefox

Google Chrome

 

Google Chrome users may encounter issues while making payments. If you are unable to make a payment using Google Chrome, try using a different browser to complete your transaction.

Why does the website automatically log me out?

You are logged out of the website after 15 minutes of inactivity in order to protect your security.

Where do I view my payment history online?

Click "Payments" at the top of the page and select the "View History" tab, or click here (login required).

How do I view my billing statement online?

Go to "My Account" and click the "Statements" tab, or click here (login required). Once you see your billing statement online, you may also print and/or save a copy for your records. Your previous 12 months’ statements are available online.

 

If you need statements beyond 12 months, please contact customer service at (866) 331-5632.

How do I update the address on my account?

Click "My Account" at the top of the page or click here. Once you are logged in, click the "My Profile" tab, and select "Account Information". Please make the necessary updates to your Mailing, Billing or, if you are leasing a vehicle, your Garaging address.

 

If you have moved to a different state, you may be required to process an Out of State Title Transfer. Contact your local Department or Bureau of Motor Vehicles for this information.

 

Lease customers: If you are moving to a different state than the one where you bought or leased your car, there may be a change to your monthly payment amount due to state-specific tax requirements.

The information in my Account Summary is inaccurate.

If you have any questions or concerns regarding your Account Summary, please contact Customer Service at (866) 331-5632.

Why can't I schedule a recurring payment for my account?

The following may be reasons why you may not be able to schedule an automatic payment:

  1. You have less than 2 payments remaining on your account.
  2. Your account may be past due or in default. Once the account is current you may schedule a recurring payment.
  3. You may have defaulted on a previous recurring payment schedule. You may be eligible to resume using automatic payments after making 3 consecutive on-time payments.

 

Recurring payments must be set up at least 3 business days before your next due date.

Make a One-Time Payment

Does Kia Motors Finance have a mobile website?

Yes. When you log on to http://www.KMFUSA.com from a mobile device, you will be directed to the mobile friendly version of our site.

 

On the mobile website, you can make a one-time payment, view your account history, learn about exciting new offers, and more. We are continually adding new features, so stay tuned.

What do I need to access and use the mobile site?

You will need a smartphone with a data plan and registered online account.

 

Log in to the mobile site using the same username and password that you created for our regular site.

Why is the mobile site sometimes slow to load?

Slow load times are typically due to poor Wi-Fi or data plan connectivity. Check your device connection or try again at a later time when you have better service.

Military Support

Military Allotment (MAC) Information

The Military Assistance Company (MAC) Ease Bill Payment Services terminated effective March 31, 2014. MAC is no longer accepting new registrations.

 

We understand the value of having your Kia Motors Finance payments deducted automatically every month from your account. Our recurring AutoPay program can save you time by making your payments automatically, every month, and on time.

 

Enroll today

Who is eligible for relief under the federal Service Members Civil Relief Act (SCRA)?

For information to help you determine eligibility under the SCRA, please visit http://www.military.com/benefits/legal-matters/scra/overview

 

Members of the following groups may be eligible:

  • Army, Navy, Marine Corps, Air Force, and Coast Guard.
  • Commissioned officers of the Public Health Service and the National Oceanic and Atmospheric Administration engaged in active service.
  • Reservists ordered to report for military service.
  • People ordered to report for induction (training) under the Military Selective Service Act.
  • Guardsmen called to active service for more than 30 consecutive days.

 

For additional information or eligibility under the Service Members Civil Relief Act, please go to http://www.military.com/benefits/legal-matters/scra/overview

How do I apply for SCRA relief?

Please submit the following information to KMF:

  • A written request, including your name and KMF account number.
  • The name, address and phone number (with area code) for the individual who will be driving or caring for the vehicle during your military service; and
  • A copy of your official military orders.

 

Please fax to (714) 965-0520 or mail to:

 

Kia Motors Finance

Attn: Customer Service

P.O. Box 20825

Fountain Valley, CA 92728

Insurance and Vehicle Protection

What should I do if I'm in an accident?

Contact your insurance company to file a claim. You will also need to notify Kia Motors Finance about the accident and provide necessary information. If the vehicle is deemed a total loss, your insurance company will contact us.

What do I do if I receive a check from an insurance company payable to KMF?

Insurance companies usually issue checks payable to Kia Motors Finance and the customer (in order for KMF to endorse the check that is payable to both KMF and the customer, vehicle repairs must be complete and the account must be current). Please mail the check and required documents described below to:

 

Kia Motors Finance

Attn: Customer Service

P.O. Box 20825

Fountain Valley, CA 92728-0809

 

Required Documents:

 

For checks under $500, no paperwork is required.

 

For checks over $500, include the insurance estimate, body shop invoice, and pictures of the repaired vehicle. (Pictures are not necessary if repairs were made by a Kia dealer.)

 

Please allow 72 hours after we have received the check for company endorsement.

Insurance Requirements

Financed Vehicles

 

You must obtain the minimum coverage required by state law. KMF requires that the deductible on both comprehensive and collision insurance policies be $1,000 or less. The "Loss Payee" on your insurance policy (for financed vehicles) must read:

 

Kia Motors Finance

Its Successors and/or Assigns

P.O. Box 20809

Fountain Valley, CA 92728-0809

Leased Vehicles

 

KMF requires the following liability and deductible limits:

  • Bodily Injury Per Person: $100,000 (minimum)
  • Bodily Injury Per Occurrence: $300,000 (minimum)
  • Property Damage: $50,000 (minimum)
  • Comprehensive & Collision: $1,000 (maximum deductible)

 

The "Loss Payee" on your insurance policy must read:

 

Hyundai Lease Titling Trust

P.O. Box 20809

Fountain Valley, CA 92728-0809

 

 

Can I transport my vehicle outside the continental U.S.?

You must get approval from Kia Motors Finance before taking your vehicle outside of the continental United States. Please complete the Vehicle Transport Request Form and fax it to (714) 965-0520.

 

Leased vehicles may not be transported outside of the continental United States. Transporting to Alaska and Hawaii are possible, upon written approval from KMF.

What is GAP?

Guaranteed Asset Protection (or "GAP") is a debt cancellation waiver or insurance product that is designed to assist with covering the difference between the balance owed on the vehicle financing and the amount of the insurance proceeds received from your automobile insurance carrier in the event of total loss of the vehicle. In some cases, GAP will not cover the entire balance owed on an account. You may have bought GAP at the time you purchased and financed your vehicle. If you leased your vehicle through KMF, GAP is included in your lease, subject to certain conditions set forth in your lease agreement.

What is Power Protect®?

Power Protect® is a suite of optional insurance and vehicle protection plan products offered to Kia Motors Finance customers. The products offered to eligible customers include special savings on auto and home insurance through the Power Protect® program offered by Liberty Mutual. Call (888) 759-3727 to speak with a representative, or apply online to see how much you can save. With Liberty Mutual, you can get quotes and buy and manage your policies online. Power Protect® vehicle service contracts, GAP waiver contracts and other vehicle protection plan products are available on eligible non-Kia vehicles. See your dealer for more details.

How do I cancel an ancillary product such as Extended Warranty/GAP/Credit Insurance?

You must contact your originating dealership (i.e., the dealership where you bought the car) or the administrator listed on the ancillary product form or the insurance company, as applicable, to cancel the product or policy.

I cancelled an ancillary product. How long will it take for the refund to be credited to my account?

The process for KMF to receive the cancellation proceeds from the product provider/insurance company may take up to 8 weeks or more. Once such proceeds are received by KMF, the proceeds will be credited to the balance owed on your KMF account or refunded to you if there is no balance remaining.

Privacy

Why did I receive a notice regarding my privacy?

Federal law requires us to provide customers with written notice explaining our practices regarding how we may share customers’ non-public personal information. We are required to provide this information when you initially become a customer, and annually thereafter, for each account you have with us.

 

California residents will receive an additional privacy notice required by state law.

 

These same rules apply to all financial institutions.

What does Kia Motors Finance do with my personal information?

All financial companies need to share customer’s personal information to run their everyday business. The types of personal information we collect and share depends on the product or service you have with us. Federal law gives consumers the right to limit some but not all sharing.  

 

To learn more about what we can share, why we might share it, and how you can limit this sharing, please read the Kia Motors Finance Consumer Privacy Notice.

 

Our Online Privacy Policy explains how we protect your privacy while using our website.

How long will my opt-out last?

Your election to opt-out will continue for as long as you are our customer. You only need to opt out once. However, you will continue to receive annual privacy notices.

Will my opt-out election affect others on my account?

Your opt-out choice applies to everyone on the account.

If I have more than one account, do I need to opt-out for each account separately?

If you opt out for one account, you will have opted out for all of your accounts.

Downloadable Documents

Click on the links below to download printable versions of commonly-used forms:

Lease-End Kit

An electronic version of the Lease-End Kit detailing options for closing out your lease, steps to getting another new vehicle or keeping your current one, and helpful resources to answer your questions about the lease-end transition process.

 

A print version is also automatically mailed to lease customers approximately 120 days before the lease contract maturity date.

 

We also suggest checking out our site's lease-end section for more valuable information and resources related to the lease-end process.

 

Download Lease-End Kit (PDF)

Wear and Use Estimation Tool

Prior to lease-end, use this to perform a self-inspection on your vehicle to evaluate excess wear and use, allowing you to estimate charges you may incur and seek out repairs before turn-in.

 

A paper version of the Wear and Use Estimation Tool is also included in the Lease-End Kit mailed to lease customers approximately 120 days before the lease contract maturity date.

 

Download Wear and Use Estimation Tool (PDF)

Odometer Disclosure Statement

For lease customers, this form serves as an official record of your final odometer reading that you will need to complete and submit before your lease ends. This form is mandatory, even if you're purchasing your leased vehicle.

 

Download Odometer Disclosure Statement (PDF)

Lease-End To-Do List

A short and simple checklist of tasks to complete for customers who are approaching the end of their lease terms.

 

Download Lease-End To-Do List (PDF)

Autopay Enrollment Form

For a very convenient way to manage your payments, follow the instructions on this form to enroll in Autopay by fax or standard mail.

 

You may also enroll online by first registering for an KMFUSA.com online account and then selecting the Autopay option.

 

Download Autopay Enrollment Form (PDF)

Contact Us

Phone

Automated Account Access: (866) 331-5632 (24/7)

 

Customer Service: (866) 331-5632 Mon.-Fri., 8 a.m.-9 p.m. Eastern Time

 

Lease-End Servicing Team: (855) 537-8542 Mon.-Fri., 8 a.m.-9 p.m. Eastern Time

 

Collections Department: (866) 344-5632 Mon.-Fri., 8 a.m.-9 p.m.; Sat., 8 a.m.-4:30 p.m.; Sun., 8 a.m.-5 p.m. Eastern Time

Address

Finance Payments (14-digit Account Number)

Kia Motors Finance

PO Box 650805

Dallas, TX 75265-0805

 

Lease Payments (10-digit Account Number)

Kia Motors Finance

PO Box 660891

Dallas, TX 75266-0891

 

Written correspondence only (Not payments)

Kia Motors Finance

PO Box 20825

Fountain Valley, CA 92728

 

Direct Credit Disputes

Kia Motors Finance – Credit Dispute

PO Box 20835

Fountain Valley, CA 92728

Email

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