Submit the contact form above with your service needs, vehicle info and contact preferences. A member of our finance team reaches out to discuss your service estimate and walk you through available payment plan options. Once you choose a plan that fits your budget, we schedule your service, perform the work, and you pay over time on the agreed-upon plan.

Virtually any qualifying service or parts charge at Dean McCrary Kia — from routine maintenance like oil changes, tires and brakes to major repairs like engine replacement, transmission rebuilds and electrical work. Genuine Kia parts and Kia-authorized accessories also qualify. The only thing you don’t need to finance is open Kia safety recalls — those are always free.

Not necessarily. Our financing partner looks at more than just your credit score, and most applicants — about 9 out of 10 — are approved. Approval and terms are based on a range of factors including creditworthiness, identity verification, your state of residence and prior history. Seeing whether you qualify involves no hard credit check, so it won’t affect your credit score. The lending partner makes the final decision and sets your rate and terms.

No. Seeing whether you qualify does not involve a hard credit check, so it won’t affect your credit score. If you open a payment plan, your account and payment activity are reported to a major credit bureau — which means on-time payments can help build your credit, while missed payments can affect it.

Plans are typically offered over 3, 6 or 12 months. Your APR is set when you’re approved and ranges from 0% up to 35.99% depending on the lending partner’s evaluation. A down payment may be due at the time of service, and there are no application, origination or prepayment fees — you can pay your plan off early with no penalty. Your exact term, rate and monthly payment are confirmed before you commit to anything.

During business hours, our finance team typically responds quickly. Inquiries submitted in the evening or on weekends are returned first thing the next business day. If you need service immediately, call our service department directly at (251) 471-3326.

Yes. If Dean McCrary Kia is performing the service — on a Kia or any other make we accept — financing is available. The financing is tied to the service charge itself, not the vehicle brand.

You don’t need to. Open Kia safety recalls are always repaired at no charge, regardless of how long you’ve owned your Kia. Check your VIN for open recalls here and schedule the repair — no payment or financing required. Service financing is for paid service work outside of recall coverage.

Yes — service financing is a payment method, not a discount. Apply any current Dean McCrary Kia service specials, rewards or applicable manufacturer rebates first, then finance the remaining balance. Stacking savings reduces your total cost before you finance anything.

To make the conversation efficient, have ready: your name and contact info, your vehicle’s year/make/model (and VIN if available), the service you need (or symptoms you’re experiencing), and an estimated cost if you have one. Don’t worry if you don’t have an estimate yet — our service advisors can provide one before you commit to financing.

Minimums and maximums depend on the specific lender program. Most service financing programs cover everything from a single oil change up through major engine or transmission work. Our finance team will confirm available limits for your situation when they contact you.

No. The contact form is informational — submitting it just starts a conversation. There is no obligation to use any specific financing plan, or any financing at all. You can review your options, ask questions and walk away. There is no commitment until you sign final paperwork.