Gowan Navan Road Kia Optima Finance Plan

Kia Credit PCP is a flexible and popular plan that provides you with the option to change your car on a regular basis.

How does this PCP Work?

You pay a deposit (between 10% and 30% of the Invoice Price) and then make monthly repayments based on the outstanding balance plus interest less the Guaranteed Minimum Future Value.

At the end of the monthly repayment period you’ll have three options:

    1. Renew: Part exchange the car and use any equity as a deposit on your next car;
    2. Retain: Pay the Guaranteed Future Value and take ownership of the car;
    3. Return: Hand back the car with nothing more to pay.


Kia Optima Platinum Example

Personal Contract Plan (PCP)

Recommended Retail Price† 


Deposit/ Trade In €9,450.00
Finance Amount €22,050.00
36 monthly payments of  €373.11
Term  37
Guaranteed Minimum Future Value (GMFT)† †  €11,008.92
Total Cost of Credit  €2,390.88
APR  4.90%


†Includes delivery & related charges, excludes Metallic Paint. Model is shown for illustrative purposes only. Further charges may be applied by Gowan Motors subject to kilometre limits/condition of the vehicle. ††The Guaranteed Minimum Future Value (GMFV) is payable if you renew or retain the vehicle at the end of the agreement. *Lending criteria and terms and conditions apply. Finance is provided by way of a hire purchase agreement. Finance example is based on a fixed rate APR of 4.9% and is inclusive of a once off documentation fee of €63.49. To qualify for this Finance Offer; a minimum deposit of 10% and maximum deposit of 30% of the Retail Price applies and a maximum term of 37 months applies. Rate quoted is correct as at 19th February 2015 and is subject to change. This offer is available on all new selected Kia models registered until 31st March 2015 at Gowan Motors. The credit providers is Bank of Ireland Finance which is a registered trading name of Bank of Ireland.

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