Kia Cerato car loans

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

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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 Cerato car loans comparison table

Updated February 23rd, 2020
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Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Wisr Secured Car Loan
From 5.19% (fixed)
6.08%
$5,000
3 to 7 years
$655 (Includes PPSR registration and private sale fee, if applicable)
$0
You'll receive a personalised interest rate from 5.19% p.a. to 19.49% p.a. based on your risk profile
A flexible car loan from $5,000 - $50,000 with personalised rates and rewards for strong credit customers.

Loans.com.au - New Car Loan
From 4.89% (fixed)
5.44%
$5,000
3 to 5 years
$400
$0
You'll receive a fixed rate from 4.89% 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.
RACV New Car Loans
From 5.69% (fixed)
6.39%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 5.69% 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.
Credit Concierge Car Loan
From 4.79% (fixed)
5.34%
$10,000
1 to 7 years
$400
$0
You'll receive a fixed rate of 4.79% p.a. with a comparison rate of 5.34% p.a.
Get access to over 20 providers to fund a new or used car.

Beyond Bank Low Rate Car Loan
5.49% (fixed)
5.73%
$25,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 5.49% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.
Stratton Finance New Car Loan
From 4.69% (fixed)
5.64%
$10,000
3 to 7 years
$700 (for private seller vehicles this fee is $608)
$9
You'll receive a fixed or variable rate depending on the lender you are approved with
Apply for up to $100,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
IMB New Car Loan
5.45% (fixed)
5.8%
$2,000
1 to 7 years
$250
$0
You'll receive a fixed rate of 5.45% 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.
NRMA New Car Loan
From 5.69% (fixed)
6.39%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 5.69% p. a.
Purchase a new car with this loan and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Jump Payments Car Loans
From 4.69% (fixed)
5.51%
$5,000
1 to 7 years
$295 (Varies by lender, starting from $295)
$10
You'll receive a fixed rate from 4.69% p.a. and comparison rate from 5.51% p.a.
Borrow between $5,000 and $250,000. Get access to customised finance options.
CUA Secured Fixed 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.
Australian Military Bank Car Loan
From 5.71% (fixed)
6.57%
$4,000
1 to 7 years
$500 (from $100 to $500)
$10
You'll receive a fixed rate between 5.71% p.a. and 8.66% p.a. based on your personal credit history
A flexible loan to help you finance a car, motorbike or boat up to five years old.
MyState Bank Secured Fixed Rate Personal Loan
From 5.99% (fixed)
6.63%
$10,000
1 to 10 years
$200
$5
You’ll receive a fixed rate of 5.99% p.a. ( 6.63% p.a. comparison rate ).
Apply for up to $75,000 available with asset security. Only good credit applicants can apply for this loan.
Westpac Car Loan
8.49% (fixed)
9.67%
$10,000
1 to 7 years
$250
$12
You'll receive a fixed rate of 8.49% p.a.
Finance a new or used car and benefit from convenient features for car buyers including a car search tool and the option to borrow extra for on-road costs.
St.George Secured Personal Loan - Fixed Rate
From 8.49% (fixed)
9.6%
$3,000
1 to 5 years
$195
$12
You'll receive a fixed rate from 8.49% p.a. based on the value of your car
Get a competitive rate and apply for a larger loan up to $80,000 when you attach a new or used car as security to the loan.
IMB Secured Personal Loan
6.45% (fixed)
6.8%
$2,000
1 to 5 years
$250
$0
You'll receive a fixed rate of 6.45% p.a.
Benefit from this competitive rate by securing the loan with a vehicle up to 6 years old. Use this flexible loan for any purpose.
NRMA Used Car Loan
From 6.99% (fixed)
7.7%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 6.99% 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.

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.

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Car Loan Offers

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

You'll receive a fixed rate of 5.45% 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 5.49% 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 5.69% 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 Stratton Finance New Car Loan
Stratton Finance New Car Loan

You'll receive a fixed or variable rate depending on the lender you are approved with
Apply for up to $100,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.

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