Should I lease or buy my next new car in Chula Vista?



Penske Kia Chula Vista

540 Auto Park Dr
Directions Chula Vista, CA 91911

  • Sales: (855) 413-1961
  • Service: (855) 413-9626
  • Parts: (855) 422-1526


  • Monday 8:30AM - 9:00PM
  • Tuesday 8:30AM - 9:00PM
  • Wednesday 8:30AM - 9:00PM
  • Thursday 8:30AM - 9:00PM
  • Friday 8:30AM - 9:00PM
  • Saturday 8:30AM - 9:00PM
  • Sunday 10:00AM - 7:00PM

Reasons Abound for Both Purchasing and Leasing a New Kia Car or SUV in Chula Vista, CA

When it comes to your lifestyle, your choice of auto financing is all about your needs. That means plenty to consider before you take out a car loan or sign on the dotted line of a new Kia lease offer here near the San Diego area. After all, both options are distinctive, each with much to offer a variety of drivers from El Cajon to National City and beyond. Luckily, deciding on an exciting ride somewhere in the gamut between that new Kia Optima, Sorento crossover, and Sportage SUV was the hardest part. Now that it's time to take it home, our auto finance pros here at Penske Kia Chula Vista will be happy to help you decide which course of action's right for you. Each has benefits as simple as they are straightforward.

Lease a Vehicle for the Short Term If You Prefer Flexibility

  • Leasing is a temporary non-ownership agreement, so you can switch between and among your favorite new Kia vehicles as your needs, drive style, preferences, and taste change.
  • Not owning means only paying down depreciation, not the total cost, so, as a result, down and monthly payments are often lower than when financing with a car loan.
  • Though lease terms incorporate clauses regarding wear and tear, mileage restrictions, and other particulars, they're usually very flexible. The bottom line: you can save money in the short run.
  • When your lease expires, you have leeway on what to do next. You can either return your car to our Chula Vista dealership, satisfy any remaining obligations, and explore further opportunities, renew your agreement, or purchase the vehicle you've come to love. It's that simple!

Finance a New Kia Vehicle if You're Taking the Long View of Ownership

  • Opt for an auto loan, and you take on  an interest rate or APR, which will tailor to your budget. That means you own the sedan, coupe, van, or sport-utility of your dreams outright upon completing all of your monthly payments.
  • Your down payment and monthly costs alike can ring up higher than on a lease, but unlike the short-term option, extending terms is often feasible, meaning both a longer repayment period is possible and a lower bottom line per month can come out of it.
  • There's absolutely no fine fee print regarding fees for wear and tear or restricted miles, and you can customize your ride with a host of Kia parts and accessories in whatever way you see fit.

If you're keen to get more info we're here to assist. Give our friendly sales reps a jingle at (855) 413-1961, or, you can send us a message here online, and we'll get back to you promptly. As always, you've got an open invitation to visit us here at 540 Auto Park Dr. in Chula Vista. We look forward to setting you up behind the wheel for the next stretch of your journey!