Best used Kia Picanto PCP finance deals

The Kia Picanto is a practical and reliable city car with a seven-year warranty. Check out some of the best deals available on BuyaCar

Gavin Braithwaite-Smith
Nov 22, 2021

The Kia Picanto is a small but surprisingly spacious car with five doors and space for four adults. It's perfect for anyone looking for a reliable car that's cheap to run. Alternatives to the Picanto include the likes of the Hyundai i10Seat MiiVolkswagen Up, which are all a similar size, and have comparable levels of equipment on board.

One thing that separates the Picanto from most of its competitors is the seven-year warranty it comes with when it's brand new. This version of Kia's city car has been on sale since 2017, so even the oldest and cheapest models you can find will still be covered by that warranty for a few years. So you if you're keen to get hold of a cheap used car with added peace of mind, there are few better options than the Picanto.

Since 2020, the Picanto has been available with two 1.0-litre petrol engines, one with a turbocharger and one without. There was previously a 1.25-litre petrol engine on sale from 2017-2020 alongside the 1.0-litre options, but this was neither particularly powerful nor very efficient compared to the smaller alternatives. The turbocharged 1.0-litre T-GDi unit is the best option for keen drivers and anyone who spends time on a motorway. The non-turbocharged 1.0-litre DPi unit is fine for city driving and country lanes, but it’s a little out of its comfort zone on longer journeys. 

Read on more details on the Kia Picanto in all of its various forms, whether you're after a cheap and cheerful run around, or a tech-filled experience with sporty styling and the likes of heated seats to keep you comfy on winter mornings.

Best Kia Picanto deals

Kia Picanto 1 deals

As one of Britain’s cheapest new cars, the Kia Picanto 1 is a great choice if you’re buying a new car on a budget. It costs just £11,000, but you’ll save even more money if you go for a nearly new or used example.

The Picanto 1 is the only model in the range without alloy wheels or air-conditioning. Instead, you get 14-inch steel wheels with plastic covers, LED daytime running lights, automatic headlights, electric front windows, steering wheel audio controls, remote central locking, a 3.8-inch audio display, Bluetooth and a USB port.

There’s also a decent list of safety and assistance systems, including brake assist, hill-start assist, emergency stop signalling and tyre pressure monitoring. A forward collision-avoidance system is optional on the Picanto 1 but standard on all other trim levels.

Kia Picanto 1
Used Kia Picanto 1

BuyaCar prices from £7,495
Monthly finance from £0*

Kia Picanto 2 deals

Moving up to the Picanto 2 adds around £1,500 to the price when new and the option of an automated manual transmission. This increases the new price by £700, but while it can be quite slow to respond to driver inputs, it’s the only Picanto to slot into the lowest insurance group. This means it’s a great choice if you’re running a car on a very tight budget.

Upgrading to the Picanto 2 also adds 14-inch alloy wheels, electrically adjustable and heated door mirrors, more plush cloth upholstery, height adjustment for the driver’s seat, a leather steering wheel and gear knob, air-conditioning, two additional speakers, electric rear windows and a pocket behind the front passenger seat.

Nearly new Kia Picanto 2

BuyaCar prices Limited stock

Kia Picanto 2
Used Kia Picanto 2

BuyaCar prices from £8,995
Monthly finance from £0*

Kia Picanto 3 deals

The mid-range Picanto 3 offers the best blend of price and equipment. It costs just shy of £14,000 with a manual gearbox when new or around £14,500 with the automated manual transmission.

Highlights include 15-inch alloy wheels, chrome exterior door handles, front fog lights, electrically folding, heated and adjustable door mirrors with LED indicators, automatic air-conditioning and a centre console with storage box and sliding armrest.

Significantly, the Picanto 3 is the most affordable version with an eight-inch touchscreen media display, six speakers, sat-nav, Android Auto, Apple CarPlay, and a range of connected services. You also get a reversing camera and rear parking sensors.

Nearly new Kia Picanto 3

BuyaCar prices Limited stock

Kia Picanto 3
Used Kia Picanto 3

BuyaCar prices from £10,463
Monthly finance from £0*

Kia Picanto X-Line deals

Launched in 2017, the X-Line version of the Picanto feels more like a special edition than just another trim level. It takes its styling cues from SUVs like the Kia Stonic and Sportage to give it the look of a high-riding small crossover.

It’s not a proper off-roader, but the raised suspension, silver skid plates, beefier bumpers and extra cladding combine to make it ready for the urban jungle. It’s also the only Picanto in the range to offer seating for five - the other versions seat four.

X-Line models feature special 16-inch alloy wheels, rear privacy glass, bi-function projection headlights, LED daytime running lights, LED rear lights and fog lights, leather-effect upholstery, a D-shape steering wheel and an eight-inch touchscreen media display without sat-nav.

Kia Picanto X-Line
Used Kia Picanto X-Line

BuyaCar prices from £9,999
Monthly finance from £0*

Kia Picanto X-Line S deals

The X-Line S is essentially an enhanced version of the standard X-Line model. It costs around £15,000 with a manual gearbox when new, which is £1,500 more than the regular Picanto X-Line.

For the extra cash, you get body-coloured mirrors and chrome exterior door handles, heated front seats and a heated steering wheel, automatic air-conditioning, a smart key with engine start button, cruise control with speed limiter, an illuminated driver’s side mirror, sat-nav and a wireless phone charger.

Nearly new Kia Picanto X-Line S

BuyaCar prices Limited stock

Kia Picanto X-Line S
Used Kia Picanto X-Line S

BuyaCar prices from £11,495
Monthly finance from £0*

Kia Picanto GT-Line deals

The GT-Line is the sporty model of the range and rivals the likes of the Volkswagen Up GTI and Hyundai i10 N Line.

It certainly looks the part, thanks to special 16-inch alloy wheels, chunkier front and rear bumpers, twin exhaust trims, body-coloured side sills and black and red leather-effect upholstery.

You also get an eight-inch touchscreen media system, air-conditioning, remote central locking and some cosmetic upgrades on the inside. If you’re looking for the the maximum amount of equipment, opt for the Picanto 3 or X-Line models. If you’re after some fun, choose the GT-Line.

Nearly new Kia Picanto GT-Line

BuyaCar prices Limited stock

Kia Picanto GT-Line
Used Kia Picanto GT-Line

BuyaCar prices from £9,700
Monthly finance from £0*

Kia Picanto GT-Line S deals

The GT-Line S model is more than just an enhanced version of the standard GT-Line. It’s also the model that is powered by a 1.0-litre turbocharged petrol engine, so it has the speed to match the looks.

It’s the closest the Kia Picanto gets to being a hot hatchback - this thing is great fun to drive in the city or on a country lane. A group 11 insurance rating means it’s going to cost more to insure than the other models, but running costs are kept in check by excellent fuel economy and Kia’s reputation for reliability.

As for equipment, the GT-Line S adds heated front seats and steering wheel, automatic air-conditioning, smart key with engine start button, cruise control with speed limiter, sat-nav and rear parking sensors.

Used Kia Picanto GT-Line S

BuyaCar prices Limited stock

*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


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