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The Kia Cerato is a highly praised small car, available as a hatch or a sedan. It offers good value, modern styling, a long warranty and practicality.
Here are car loans, specs and pricing for the Kia Cerato.
Kia's Cerato was the fourth best-selling hatch model in Australia during 2019. The current generation has been with us since last year. It was designed by former VW/Audi car designer Peter Schreyer. Some of his notable works include the Audi TT, the new VW Beetle and most of Kia's models since 2008.
In Australia, there are four different grades:
In terms of engines and transmissions, here's what's available:
Engine | Transmission | Trim |
---|---|---|
2.0-litre 112kW petrol | Six-speed manual or automatic | S, Sport, Sport+ (Auto only) |
1.6-litre 150kW petrol | Seven-speed automatic | GT |
Ordinarily, Ceratos start with a drive-away cost from $24,567, and there's no price difference between the hatch or sedan body styles. Currently, the range is on offer, taking the price of entry down to $20,290.
Kia prices the entry-level S Cerato from $20,290 (currently on offer, down from $24,567.70). This model comes with a six-speed manual and 2.0-litre petrol, for an automatic you'll need to spend an additional $2,000, taking the price up to $22,290. An optional safety pack is on sale for $1,500.
Standard features include the following:
Standard active and passive safety assists:
The optional safety pack adds blind-spot detection (BSD), rear cross-traffic alert (RCTA), autonomous emergency braking (AEB) with forward-collision warning system (FCWS) – car, pedestrian and cyclist avoidance, smart cruise control (on automatic only), auto-folding door mirrors and a premium steering wheel/shift knob.
A Cerato Sport ordinarily has a drive-away price of $26,627 but is currently on offer at $22,490. For the extra outlay, you'll receive the following:
The safety pack on the Cerato Sport brings the following:
For the safety pack, Kia charges an additional $1,500. Currently, it's on offer at $23,990.
Next in the range is the Sport Plus. Currently, the Sport Plus Cerato is on offer for a drive-away cost of $28,040. This model builds upon the Sport, adding the following:
This sporty Cerato hatch is the top of the range. Kia is running a promo at the moment, with the drive-away cost of the GT at $32,990. Giving this Cerato a bit more punch, a 1.6-litre petrol boasts 150kW and 265Nm. Kia chose to pair the inline-four with a seven-speed, double-clutch automatic transmission. It's also got larger front vented discs. Instead of a more traditional coupled torsion beam rear suspension, this model gets multi-link, sports-tuned damping. Engineers also played with the steering.
In addition, you also receive the following:
Here's what makes the Cerato really stand out:
Here's what you need to look for in a car loan:
If a prospective car loan ticks all those above boxes, it should be a good deal.
There are several different types of vehicle finance.
Below, we'll mainly cover secured and unsecured car loans.
Secured car loans have a lower rate of interest. That's because the lender files a registration with the Personal Property Security Register (PPSR). This allows them to hold the car as security against the loan, meaning if you default on payments, they can recover the car and some of their losses.
The following is the flip side to the lower interest rates:
On the other hand, unsecured car loans give you a little more freedom with how you spend the funds. That means you can pay for things like on-road costs (ORCs), car mods or even unrelated things. The reason for this is because no registration of security is made with the PPSR. There's a little more risk involved on the lenders part, since they have no collateral against the loan, so the interest rates are higher. Throughout the loan, you'll pay more and lenders use stricter approval criteria. You'll likely be able to borrow less in total.
Please make sure to include interest, application fees and monthly charges into your budgeting – this way you'll get the true cost of a car loan.
Comparing car loans with Finder is very easy. Enter the amount you need to borrow, decide how long you'll spend repaying and click the calculator button. All available car loans will appear.
If the loans seem just out of your budget, play around with the term. Repaying over a longer period helps spread the cost out significantly, with the advantage of dropping the monthly layout. The downside is you're paying interest for a longer time, so in the long run, it'll cost you more money.
The world of car loans might seem like a confusing and overwhelming place. But we've got you covered with our plain-English guide to car loans.
Picture: Supplied
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