By the Emich Kia team · Published November 5, 2026 · Offers and prices checked November 5, 2026
The short answer
Through January 4, 2027, Kia offers 0% APR for 60 months on the 2026 EV9 and EV6, 0% for 72 months on the 2026 Niro EV, and 0% for 48 months on the 2026 Sportage, Sorento and their hybrid and plug-in hybrid versions. The lowest 2027 rate is 0.90% on the EV3 and the 2027 Sportage Hybrid. All rates are for qualified buyers through Kia Finance America.
Every Kia APR offer in Denver
| Model | 2026 model year | 2027 model year |
|---|---|---|
| EV9 | 0% for 60 months | — |
| EV6 | 0% for 60 months | — |
| Niro EV | 0% for 72 months | — |
| Sportage | 0% for 48 months | 1.99% for 48 months |
| Sportage Hybrid | 0% for 48 months | 0.90% for 48 months |
| Sportage Plug-In Hybrid | 0% for 48 months | 1.99% for 48 months |
| Sorento | 0% for 48 months | 1.99% for 48 months |
| Sorento Hybrid | 0% for 48 months | 1.99% for 48 months |
| Sorento Plug-In Hybrid | 0% for 48 months | — |
| EV3 | — | 0.90% for 48 months |
| Carnival / Carnival Hybrid | 1.90% for 48 months | 2.90% for 48 months |
| K5 | 1.90% for 48 months | 2.90% for 48 months |
| Niro (hybrid) | 1.90% for 48 months | 2.90% for 48 months |
| K4 / K4 Hatchback | 2.90% for 48 months | 3.99% for 48 months |
| Telluride | — | 3.49% for 48 months |
| Telluride Hybrid | — | 3.99% for 48 months |
| Seltos | — | 3.99% for 48 months |
Kia America offers for ZIP 80246 as of Nov. 5, 2026. A dash means Kia lists no APR offer for that model year. Through KFA on approved credit; delivery by Jan. 4, 2027.
What each rate does to your payment
The quickest way to compare rates is the monthly payment for every $1,000 you finance:
| Rate and term | Payment per $1,000 | On $30,000 |
|---|---|---|
| 0% for 72 months | $13.89 | $416.67 |
| 0% for 60 months | $16.67 | $500.00 |
| 0% for 48 months | $20.83 | $625.00 |
| 0.90% for 48 months | $21.22 | $636.55 |
| 1.99% for 48 months | $21.69 | $650.72 |
| 2.90% for 48 months | $22.09 | $662.70 |
| 3.49% for 48 months | $22.35 | $670.55 |
| 3.99% for 48 months | $22.57 | $677.24 |
Before tax, fees and down payment. Example only, not an offer of credit.
A 2026 Sportage at 0% instead of a 2027 at 1.99% saves about $1,235 in interest on $30,000 over 48 months. On a 2026 EV9, 0% for 60 months on $55,000 is $916.67 a month with no interest at all.
Who qualifies for 0% APR
- The rates are from Kia America through Kia Finance America (KFA) and require credit approval. Not every buyer will qualify for the advertised rate.
- You must take delivery by January 4, 2027.
- APR financing and an Emich lease special are two different ways to pay, and Kia’s offers may not be combined except where specified.
- Getting pre-approved online tells you where you stand before you pick a vehicle.
Know your rate before you shop.
0% APR and the car loan interest deduction
The new federal car loan interest deduction lets qualifying buyers deduct up to $10,000 a year of interest on a new, U.S.-assembled vehicle. At 0% there’s no interest to deduct. It matters more on the Georgia-built 2027 Telluride at 3.49%: on $40,000 over 48 months, first-year interest is about $1,245.
Lease instead?
If you’d rather have a low payment and a new car every two years, Emich Kia has ten lease specials under $350 a month. See the best Kia lease deals in Colorado, or the Sportage lease comparison.
Frequently Asked Questions
Is Kia offering 0% APR right now?+
Yes. Through January 4, 2027, Kia offers 0% APR for 60 months on the 2026 EV9 and EV6, 0% for 72 months on the 2026 Niro EV, and 0% for 48 months on the 2026 Sportage, Sorento and their hybrid and plug-in hybrid versions, for qualified buyers through Kia Finance America.
Is 0% APR available on 2027 Kia models?+
Not as of November 5, 2026. The lowest 2027 rates are 0.90% for 48 months on the 2027 EV3 and 2027 Sportage Hybrid. The 2027 Telluride is 3.49% and the Telluride Hybrid is 3.99%.
What credit score do I need for Kia 0% APR?+
Kia Finance America doesn’t publish a minimum score. The rates are for well-qualified buyers on approved credit, and not everyone will qualify. A pre-approval shows your rate before you choose a vehicle.
How long does the 0% APR offer last?+
Kia’s current APR offers require delivery by January 4, 2027. Kia can change or end offers, so check the date on our specials page.
Can I get 0% APR and a lease special together?+
No. A loan and a lease are different ways to pay, and Kia’s offers may not be combined except where specified. We’ll price both so you can compare.
Do I have to finance through Kia to get 0% APR?+
Yes. The APR offers are through Kia Finance America. If you don’t qualify for the promotional rate, our finance team can walk you through other options.
Find out your rate in a few minutes
Apply online, then pick the Kia that fits your payment. Questions? Call 720-664-7691.
Emich Kia · 1260 S. Colorado Blvd., Denver, CO 80246 · Sales 720-664-7691 · Service 720-790-3450
Keep reading
APR offers are from Kia America through Kia Finance America (KFA) for qualified buyers on approved credit; not all buyers will qualify. Must take delivery by 01/04/2027. Offers may not be combined except where specified. Payment examples are illustrations before tax, fees and down payment, not offers of credit. MSRP excludes destination, tax, title, registration and fees. Emich Kia charges no dealer add-ons; the only dealer fee is the $799 dealer handling fee. Offers and availability change; see Emich Kia for complete details.