Kia
Optima
2020
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2020 Kia Optima

Lease EstimateSee Lease Deals
$290/mo
Finance Estimate
$310/mo
FROM
$21,615
MPG
25 city / 35 hwy

Expert's Rating

Not Available

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Est Monthly Loan

The monthly payment is based on the price of this vehicle assuming it is financed. If you choose to lease, you can also use the payment calculator to determine your lease terms. Default values for financing include: Term of months, APR of , and Sales Tax of . Default values for leasing include: Term of months, Money Factor of , Residual Value of , and Sales Tax of .

2020 Kia Optima
Lease
$290 / month
Finance
$310 / month
Based on 52% Residual Value : 12,000 Annual Miles
Vehicle Price
A typical negotiated price before taxes & fees.
Incentives
Incentives that help lower the selling price of a vehicle.
Available Money Factor of 0.0019 for 36 month lease
Incentives
Incentives that help lower the selling price of a vehicle.
Down Payment
Trade-In Value
Money Factor
Represents the interest charged on a lease. May require top-tier credit to qualify for the best rates.
Interest Rate
Sales Tax
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Buying Tips

What you must know before buying the Kia Optima

Matthew Keegan
Contributing Editor - October 5, 2019
  • 2019 Kia Optima is here; 2020s arriving
  • Bonus: Up to $4,000 cash on 2019s
  • Finance: 0.0% for 75 months on 2019s
  • Lease: From $189 for 36 months on 2019s

Kia’s roomy midsize sedan:

Kia’s Optima remains a strong seller in a competitive, yet declining segment. Dealer inventories include models dressed in the LX trim; these are found in significant numbers. This means you’ll have a more difficult time finding the SX and SX-L grades.

The 2019s are still available. Most of the changes are minor and typically depend on the chosen trim. As for the 2020s, they're arriving on dealer lots.

Kia’s current offers are in place through October 31, 2019. The examples we're using are for California.

Big cash savings again this month:

This month, Kia is offering $3,000 in customer cash on the 2019 Optima L. Choose any other trim and the customer cash tops out at $4,000. These are outstanding offers, which lower your final cost accordingly.

As for the 2020s, Kia is offering $2,000 customer cash on the Optima L and $2,500 on all other trims.

Excellent financing offers:

Purchase a 2019 Kia Optima and you can finance one for 0.0-percent APR for 75 months. This is an outstanding offer!

As for the 2020s, you'll find 0.0-percent APR financing for 60 months, 0.9-percent APR financing for 66 months, and 1.9-percent APR financing for 72 months.

Keep in mind you can't combine customer cash with promotional financing.

Kia Optima leases for the taking:

Choose a 2019 Optima LX and you can lease one for $189 per month for 36 months, with $2,999 due at signing. This is a very good offer for a roomy, five-passenger sedan as the monthly cost of ownership is just $272.

Opt for a 2020 Optima LX and you can lease one for $209 per month for 36 months, with $2,999 due at signing. This is a very good offer for a roomy, five-passenger sedan as the monthly cost of ownership is just $292.

If you prefer a 2020 Optima Hybrid, you can lease one for $279 per month for 36 months, with $2,999 due at signing. Your effective monthly cost of ownership is $362. Opt for the plug-in hybrid and your cost is $319 per month for 36 months, with $2,999 due at signing. Your monthly cost here is $402.

Kia provides a mileage allowance of 12,000 miles per year. At the end of the lease term, you’ll pay a $400 termination fee.

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Advertised Lease Deals

LX
$209Monthly Payment
Term Length (months): 36
Due at signing: $2,999
Mileage: 12k
MSRP: $24,115
Deal Valid in: CA & Select States
Expiration: 10/31/19

This ranks as an excellent deal based on our expert analysis of: vehicle price, length of lease term, amount due at signing, monthly payment, etc.

CarsDirect Target Price

Prices vary by style

CarsDirectPricing as of 10/16/19 in 20149
MSRP
$24,115
Sales Price
$23,615
Cash Rebates
$2,000
Target Price
$21,615
Lease Estimate
$290/mo
Finance Estimate
$310/mo

Cash Incentives

Incentive available to most customers and purchasing situations.
RebateAmount
Customer Rebate Customer Cash (Expires 10/31/19) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Customers are eligible for either Customer Cash or, if qualified, a Kia Motors Finance (KMF) APR/Lease program rate, but not both. $2,000

Financing Incentives

RebateAmount
Promotional APR Offer Promotional APR programs available for qualified buyers. Please check with your CarsDirect Trusted Dealer for complete details.
Term(s)24 - 4849 - 6061 - 6667 - 7273 - 84
Rate %0%0%0.9%1.9%3.9%
Eligibility

Leasing Incentives

RebateAmount
Lease Bonus Cash KMF Lease Cash (Expires 10/31/19) Bonus cash available for qualified customers leasing a vehicle through the manufacturer's captive finance company on approved credit. Please check with your CarsDirect Trusted Dealer for complete details. $3,400
Hurry! Offer expires

Leases For Similar Cars

Based on 2020 Kia Optima - LX 4dr Sedan - $24,115 MSRP

Best Kia Deals & Lease Offers In October

Now that we're deep into the 2019 model year clearance, expect to find 0% financing on just about every Kia on the lot. The best deals are on the Optima, Sorento, Stinger,... View All Kia Lease Deals

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