£12,680
From £280 pm
Please note: Dealers are responsible for the content of their listings and are expected to include all fees in the advertised price. You should always confirm all listing details with the dealer before purchasing.
APPLE CAR PLAY, REVERSE CAMERA.
1 PREVIOUS KEEPER, MOT AUGUST 2025, CRUISE CONTROL, SPEED LIMIT ASSIST, DRIVING ASSIST, ATTENTION ASSIST, BT AUDIO, DAB RADIO, APPLE CAR PLAY, ANDROID AUTO, VOICE CONTROL, LANE ASSIST, ELECTRIC FOLDING MIRRORS, ELECTRIC WINDOWS, REAR PARKING SENSORS, REVERSE CAMERA.
Finance, Warranty Offered, ALL CARS SUBJECT TO £299 ADMIN, DRIVE AWAY INSURANCE(Subject to Application).
Calculate how affordable this Kia Niro could be per month.
What is Hire Purchase (HP)?
HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.
You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.
Unlike PCP, there are no limits on mileage.
HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.
For this vehicle you have selected only HP is available.
All this will be explained in more detail when you speak with one of our friendly agents, once you have completed your application.
Borrowing £10,000 at a representative APR of 12.4%, annual interest rate (fixed) 12.4%, 59 monthly payments of £221.08 followed by 1 payment of £231.08, total cost of credit is £3,274.80*, total amount payable is £13,274.80.
*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.Borrowing £16,000.00 at a representative APR of 12.4%, annual interest rate (fixed) 12.4%, deposit of £0, 48 monthly payments of £294.92, optional final payment £7,644.00 (inc. £10 option to purchase fee), total cost of credit is £5,800.16†, total amount of credit is £16,000.00, total amount payable is £21,800.16.
Representative Example is for AA PCP agreement for a Ford Focus Estate with a contract mileage of 10,000. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). This quotation is not a binding offer to enter into a finance agreement.
†AA PCP AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.
Let us break it down for you. Finance can be confusing, but we've made it simple.
Understanding financeFor YC21CYJ
Not recorded as stolen
No third-party trace
1 previous keeper
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No plate changes
No colour changes
Mileage data available †
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Not an insurance write-off
Outstanding finance details
Estimated cost of vehicle ownership
MOT history & common failures*
Full vehicle specification
Mileage discrepancies*
Market valuation*
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This dealer has committed to our AA gold standards of service
12 months free breakdown cover (or discounted upgrade if you're an AA member) and £75 off a Service & MOT. T&Cs apply
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Get an instant valuationA vehicle that has been in an accident will be assessed by insurance companies and assigned a category: A, B, S or N. However, we only list Cat S or N cars as Cat A and B cars are not roadworthy and safe.
The 'S' in Cat S stands for structural damage. This means the vehicle has damage to its structure/chassis, which is more than just cosmetic damage. But the vehicle can be professionally repaired, making it safe and roadworthy.
Similarly, the 'N' in Cat N stands for non-structural damage. Here, the vehicle has sustained damage, but it has not affected the structure/chassis. A Cat N car is safe to drive as the damage could be minimal/cosmetic.
Buying a written-off vehicle:
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