Kia Cerato car loans

Learn about prices, specs and loans for the Kia Cerato.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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 Cerato car loans comparison table

$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Loans.com.au - New and Dealer Used Car Loan
From 4.67% (fixed)
5.22%
$5,000
3 to 5 years
$400
$0
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
IMB New Car Loan
4.88% (fixed)
5.23%
$2,000
1 to 7 years
$275.12 ($250 Application fee + $25.12 PPSR fee)
$0
You'll receive a fixed rate of 4.88% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
Plenti Car Loan
From 4.89% (fixed)
5.44%
$10,001
3 to 7 years
from $249 to $799
$0
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Credit Concierge Car Loan
From 2.99% (fixed)
4.07%
$10,000
1 to 7 years
$350
$8.50
You'll receive a fixed rate of 2.99% p.a. with a comparison rate of 4.07% p.a.
Get access to over 20 providers to fund a new or used car.
Stratton Finance New Car Loan
From 3.85% (fixed)
4.05%
$10,000
3 to 7 years
$700
$8.25
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
NRMA New Car Loan
From 4.99% (fixed)
5.69%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
MoneyForJam Car Loan
From 2.85% (fixed)
4.85%
$4,500
1 to 7 years
From $1 to $990
$25
You'll receive a fixed rate from 2.85% p.a. based on your risk profile
Borrow between $4,500 and $120,000 with loan terms up to 7 years to finance a new or used car. Get access to more than 40 providers.
Heritage Bank Car Loan
4.89% (fixed)
5.53%
$5,000
1 to 7 years
$200
$5
You'll receive a fixed rate from 4.89% p.a.
Finance a new or used car up to 5 years old. Large maximum borrowing amount up to $100,000 and terms up to 7 years.
NAB Personal Loan Unsecured Fixed
From 6.99% (fixed)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
Symple Loans Personal Loan
From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
SocietyOne Car Loan
From 5.95% (fixed)
5.95%
$5,000
2 to 5 years
from $0 to $595
$0
You'll receive a fixed rate between 5.95% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Great Southern Bank Fixed Rate Car Loan
6.79% (fixed)
7.16%
$5,000
1 to 7 years
$265 ($175 Establishment Fee + $90 Security Administration Fee)
$0
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
Driva Car Loan
From 2.85% (fixed)
4.39%
$2,000
1 to 7 years
$295 (Varies by lender, starting from $295)
$10
You'll receive a fixed rate from 2.85% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
Wisr Secured Car Loan
From 4.74% (fixed)
5.01%
$5,000
3 to 7 years
$195 for refinance and dealer sale ($245 for private sale)
$0
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.
OurMoneyMarket Car Loan
From 5.35% (fixed)
5.65%
$2,001
1 to 7 years
$250
$0
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 7 years.
Latitude Personal Loan (Secured)
From 5.99% (fixed)
7.26%
$3,000
1 to 7 years
Loans under $5000 - $140
$13
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
NRMA Used Car Loan
From 6.24% (fixed)
6.94%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 6.24% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
Beyond Bank Low Rate Car Loan
4.69% (fixed)
5.01%
$25,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.
loading

Compare up to 4 providers

Kia Cerato: Specs and pricing

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:

  • S
  • Sport
  • Sport Plus
  • GT

In terms of engines and transmissions, here's what's available:

EngineTransmissionTrim
2.0-litre 112kW petrolSix-speed manual or automaticS, Sport, Sport+ (Auto only)
1.6-litre 150kW petrolSeven-speed automaticGT

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 Cerato S hatch

Kia Cerato S

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:

  • 16-inch steel wheels
  • Remote central locking plus keyless entry
  • Headlight escort function
  • Cloth trim seats (basic pattern)
  • Six-way driver's seat adjustment including height
  • Chrome "Schreyer" grille and exhaust tip
  • Body-coloured bumpers, door handles and side mirrors
  • Heated, power door mirrors – with turn indicators
  • Cruise control
  • 3.5-inch TFT LCD instrument cluster
  • Power windows
  • Two front USB chargers
  • Driver and passenger sun visors with vanity mirrors
  • DAB radio
  • Eight-inch colour touchscreen
  • Apple CarPlay and Android Auto (with voice recognition)
  • Six-speaker sound system
  • Bluetooth phone connectivity
  • Steering wheel mounted controls
  • Manual air-con

Standard active and passive safety assists:

  • Tyre pressure monitoring system (TPMS)
  • ABS with electronic brakeforce distribution (EBD) and brake assist (BA)
  • Electronic stability control (ESC) and traction control system (TCS)
  • Vehicle stability management (VSM)
  • Hill-start assist control (HAC)
  • Emergency stop signal (ESS)
  • Front and reverse parking sensors, with dash display
  • Rear-view camera with dynamic parking guidelines
  • Day/night rear-view mirror
  • Lane keeping assist (LKA)
  • Driver attention alert (DAA)
  • Autonomous emergency braking (AEB) with forward collision warning system (FCWS) – car
  • Speed limiter
  • Halogen daytime running lamps (DRL)
  • Dusk-sensing automatic headlights
  • Airbags:
    • Driver and front passenger SRS airbags
    • Front side SRS airbags
    • Curtain SRS airbags

Kia Cerato S with Safety Pack

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.

Kia Cerato Sport hatch

Kia Cerato Sport

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:

  • Premium steering wheel and shift knob
  • 17-inch alloy wheels
  • Cloth trim seats with a Sport pattern
  • Height-adjustable headrests, with tilt function on front seats
  • Aero-blade type front windscreen wipers
  • Illuminated vanity mirrors
  • Satellite navigation with traffic updates
  • Drive mode selection with Comfort, Eco, Smart and Sport modes

Kia Cerato Sport with safety pack

Kia Cerato Sport safety pack

The safety pack on the Cerato Sport brings the following:

  • Autonomous emergency braking (AEB) with forward-collision warning system (FCWS) with pedestrian and cyclist avoidance
  • Blind-spot detection (BSD)
  • Rear cross-traffic alert (CTA)
  • Smart cruise control (SCC) with steering wheel controls
  • Power folding mirrors

For the safety pack, Kia charges an additional $1,500. Currently, it's on offer at $23,990.
Kia Cerato Sport+ hatch

Kia Cerato Sport+

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:

  • Auto-dimming, rear-view mirror
  • LED daytime running lights (DRL)
  • Smart key and push-button ignition
  • Leather-appointed seat upholstery
  • Front centre console has added sliding function
  • Smart boot (on sedan models)
  • Soft-touch door trim material
  • Passenger side seatback pocket
  • Dual-zone climate control A/C
  • Auto defog system
  • Rear air vents
  • Heated front seats

Kia Cerato GT hatch

Kia Cerato GT

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:

  • LED headlights
  • LED rear combination lamp
  • Sports leather-appointed seats
  • Eight-way power driver's seat with two-way lumbar support
  • Two-position seat memory
  • GT body kit
  • High gloss door mirrors
  • Dual exhaust
  • Sports steering wheel with perforated leather, with flat bottom
  • 4.2-inch TFT LCD supervision instrument gauges
  • Alloy sports pedals
  • Qi wireless phone charging
  • Premium eight-speaker JBL sound system
  • Ventilated (and heated) front seats
  • Choice of the model-exclusive Sunset Orange paint finish
  • 18-inch alloy wheels with Michelin Pilot Sport 4 tyres

Want to know more about the Kia Cerato?

Why buy a Kia Cerato?

Here's what makes the Cerato really stand out:

  • Pleasant to drive
  • Comfortable
  • GT model is excellent
  • Plenty of equipment
  • Cabin is roomy
  • Seven-year warranty
  • Promotion pricing/value for money
  • Practical
  • Sensible purchase
  • Sedan option and styling

Car loans in a nutshell

Here's what you need to look for in a car loan:

  • As low as possible an interest rate
  • No or tiny application fee
  • No or minimal monthly/annual charges
  • Affordable monthly repayments
  • Option to increase payments as desired

If a prospective car loan ticks all those above boxes, it should be a good deal.

How to compare car loans for the Kia Cerato

There are several different types of vehicle finance.

Below, we'll mainly cover secured and unsecured car loans.

Secured 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:

  • There will likely be conditions on the age and type of vehicle you can purchase
  • You won't be allowed to spend the money on anything other than the car

Unsecured car loan

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 our calculator

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.

Recent car reviews

Picture: Supplied

More guides on Finder

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.88% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site