4425 E Dixon Blvd Shelby, NC 28152-7976
Get straightforward, competitive financing for a new Kia or a quality used vehicle. Our team works with drivers across Shelby, Kings Mountain, Gastonia, and surrounding North Carolina communities to match you with the right car and payment.
Use our online tools to take the guesswork out of buying. Estimate your payment, compare options, and move forward on your schedule.
Great credit, rebuilding, or first-time buyer—we’re here to help. We partner with a network of trusted lenders to find competitive terms that fit your needs.
If you’re already financing a vehicle, refinancing may help you lower your interest rate, adjust your term, or reduce your monthly payment (based on credit and lender approval).
Our goal is simple: clear answers, flexible options, and a smooth experience from application to signing—so you can focus on the fun part: driving home.
Serving: Shelby, Gastonia, Kings Mountain, Cleveland County, and nearby North Carolina communities. Get started today with our online payment tools and finance application to take the next step toward your next vehicle from Shelby Kia.
Financing Disclosures & Notices
Credit Application
Submission of a financing application does not guarantee approval. All credit decisions are made by our lending partners based on their independent evaluation of your creditworthiness, income, debt obligations, and other factors. Credit approval is required. Not all applicants will qualify. Terms, interest rates, and approval amounts vary based on the lender's criteria and your individual credit profile.
All Credit Backgrounds
While we work with applicants across a wide range of credit histories — including those rebuilding credit and first-time buyers — "all credit backgrounds welcome" does not mean every applicant will be approved. Approval depends on lender criteria, not solely on credit history. We encourage all applicants to get pre-qualified at shelbykia.com/apply-for-financing.htm to understand estimated eligibility before visiting the dealership.
Third-Party Lenders
Shelby Kia works with a network of trusted independent lenders, including Capital One Auto Finance, to provide competitive financing and lease options. We do not represent any lender, and no lending relationship is established until a credit application is submitted and approved by the lender directly. Each lender has its own terms, conditions, eligibility requirements, and privacy policies. Shelby Kia is not responsible for the terms, rates, or decisions of any third-party lender.
Payment Calculator
Any payment calculator or payment estimator on this page or linked from this page is provided for informational and illustrative purposes only. Calculated payments are estimates based on vehicle price, down payment, interest rate, loan term, and credit tier — and do not represent an actual offer or commitment from Shelby Kia or any lender. Actual payments may vary. Do not rely on any estimator as a guarantee of financing terms or a final monthly payment. All financing is subject to credit approval.
Refinancing
Refinancing an existing auto loan may result in a lower monthly payment, a different term, or a reduced interest rate — but results are not guaranteed. Whether refinancing benefits you depends on your current loan terms, credit profile, the new lender's rates, and vehicle value at the time of application. Approval for refinancing is subject to lender criteria and creditworthiness. Ask our finance team for a personalized assessment.
Lease Advertising
All lease offers, terms, and monthly payments referenced on this page or in any marketing materials are based on approved credit and are subject to change. Money factors, residual values, acquisition fees, and mileage allowances may vary. Tax, title, registration, and first payment due at signing. Not all applicants will qualify for advertised lease terms. See dealer for full details on current lease offers.
Truth in Lending / FCRA
By submitting a credit application through this website, you authorize Shelby Kia and its lending partners to obtain your credit report from one or more consumer reporting agencies in connection with your credit request. This inquiry may appear on your credit report. Your information will be handled in accordance with our Privacy Policy. If you are not approved, lenders are required to provide an adverse action notice with the specific reason for denial — please contact the lender directly for more information.
North Carolina Notice
Shelby Kia is a licensed motor vehicle dealer in the State of North Carolina. All financing arrangements are subject to North Carolina law. Consumer protection information for North Carolina residents is available through the North Carolina Attorney General's Consumer Protection Division.
Equal Opportunity
Shelby Kia and its lending partners are equal opportunity lenders and do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other protected class in any credit transaction.
Questions about financing? Call us at 704-482-4542 or visit us at 4425 E Dixon Blvd, Shelby, NC 28152. Last updated: June 2026. Shelby Kia reserves the right to modify these terms at any time.
