Drive Now, Pay Later: Kia of Lincoln’s 90-Day Deferred Payment Option

Looking for a smart way to get into a new Kia without immediate monthly payments? Kia of Lincoln is excited to share a limited-time financing opportunity from Kia Finance America (KFA) that lets qualified buyers defer their first payment for up to 90 days. That means more time to enjoy your new vehicle before your first bill is due. This special offer is available for a short window, so here’s everything you need to know.

What exactly is the 90-Day Deferred Payment Option?
The 90-day Deferred Payment option allows qualified customers who finance a new Kia through Kia Finance America to delay their first monthly payment for up to 90 days from the contract date. You can drive home in a brand-new Kia today and enjoy added financial flexibility at the start of your ownership experience. Important thing to note, interest does begin accruing from the contract date, even thought your first payment is deferred.

Program Dates & Important Deadlines
This limited-time financing offer from Kia Finance America is available now through February 2nd, 2026. To qualify, all purchase contracts and required documentation must be completed, received, and funded by February 16th, 2026. Because this promotion is time-sensitive, we recommend starting the process early to ensure everything is finalized before the deadline.

Eligible Kia Models
The 90-day deferred payment option is available on select new Kia models, giving drivers flexibility across some of Kia’s most popular SUVs. Qualified customers can take advantage of this offer on the 2025 Kia Sorento, including Hybrid (HEV) and Plug-in Hybrid (PHEV) models, with financing terms up to 60 months. The 2025 Kia Telluride is also eligible with financing up to 48 months, as well as the 2026 Kia Sorento, including HEV and PHEV variants, with terms up to 48 months.

Model availability may vary, so be sure to check current inventory at Kia of Lincoln to find the right vehicle for your lifestyle.

Who Qualifies for Deferred Payments?
This special financing option is designed for well-qualified buyers who choose to finance their new Kia through Kia Finance America (KFA). Eligible customers must meet KFA’s Tier 1 or Tier 2 credit requirements, which generally means a minimum FICO score of 720. Our finance professionals at Kia of Lincoln are happy to review your options and help determine eligibility during the purchase process.

What to Know About the 90-Day Deferred Payment Option
With this program, your first monthly payment can be deferred for up to 90 days from the contract date, allowing you to enjoy your new Kia before payments begin. After the initial deferred period, payments will be due monthly on the contract anniversary date. If your scheduled payment date falls on the 29th, 30th, or 31st of the month, it will automatically move to the 1st of the following month for consistency.

It’s important to note that interest begins accruing from the contract date, even though the first payment is deferred. Additionally, if Life, Accident & Health (LA&H) or GAP coverage is included in the contract, those terms must match the full length of the finance agreement.

Drive Now. Pay Later. Only at Kia Of Lincoln.
At Kia of Lincoln, we’re committed to making car buying easy, transparent, and flexible. This 90-day deferred payment option is just one of the ways we help our customers drive the vehicle they want while staying financially comfortable. Whether you’re interested in the versatile Kia Sorento, the family-friendly Telluride, or exploring hybrid and plug-in hybrid options, our team is here to help every step of the way. This offer is only available for a limited time, and qualifying inventory won’t last long. Visit Kia of Lincoln, browse our online inventory, or contact our finance team today to see if you qualify for the 90-Day Deferred Payment Option through Kia Finance America.

Start Your Kia Journey Today in Lincoln, NE
When you’re ready to take the next step, Kia of Lincoln offers an extensive selection of new and pre-owned Kia vehicles tailored to first-time drivers. Visit our new vehicle inventory or explore our used vehicle inventory to find models that fit your style and budget. Stay connected with us on Instagram and Facebook for the latest updates and fresh vehicle arrivals. For helpful insights, tips, and walkarounds, subscribe to our YouTube channel.

Your first car should be a reliable partner for years to come, and Kia’s combination of safety, technology, and affordability makes it an outstanding choice for beginners in Lincoln, Gretna, and beyond. We invite you to calculate your payments, visit our dealership at 1145 N 48th St, Lincoln, NE 68504, or call us at (402) 434-7000 to schedule your test drive and experience the confidence of driving your first Kia.

Up to 90-day deferred payment available on select new Kia vehicles financed through Kia Finance America (KFA) for qualified customers. Offer valid 1/6/26–2/2/26; contracts must be funded by 2/16/26. Eligible models/terms: MY25 Sorento (incl. HEV/PHEV) up to 60 mos.; MY25 Telluride up to 48 mos.; MY26 Sorento (incl. HEV/PHEV) up to 48 mos. Minimum 720 FICO (KFA Tiers 1–2) required. First payment due up to 90 days from contract date; interest accrues from contract date. Payments due on the 29th–31st move to the 1st of the following month. LA&H and GAP, if selected, must match contract term. Subject to credit approval. See dealer for details.