2027 Kia Seltos offer history: July 2026 examples
Review expired Kia Seltos APR and lease examples checked July 26, plus the no-match refresh recorded for ZIP code 60601 on August 14, 2026.
Kia previously listed special financing, four lease choices, and a military bonus for the 2027 Seltos in the Chicago area. Those examples expired August 3, 2026; they remain here only to show how to compare complete costs instead of headline payments.
Offer refresh: We first checked Kia’s official US offer page on July 26, 2026, using ZIP code 60601. The offers below ran from July 7 through August 3, 2026. On August 14, 2026, the same official lookup returned no matching 2027 Seltos offer. LoanLenz therefore treats every example on this page as historical. Check your ZIP code and get current terms in writing before acting.
Expired APR financing
Kia listed these rates for well-qualified buyers through Kia Finance America during the July check:
| Loan term | APR | Kia’s payment per $1,000 financed | Action |
|---|---|---|---|
| 48 months | 3.99% | $22.57 | Add to my scenarios |
| 60 months | 4.49% | $18.64 | Add to my scenarios |
| 66 months | 5.49% | $17.59 | Add to my scenarios |
| 72 months | 5.99% | $16.57 | Add to my scenarios |
| 84 months | 7.00% | $15.09 | Add to my scenarios |
Only a limited number of buyers would have qualified for the advertised rates. Kia said the vehicle had to come from a participating dealer’s retail stock and the finance contract had to be signed by August 3, 2026. The published terms did not establish that these offers could be combined with other incentives.
Base LX example at 3.99%
The LX FWD starts at $24,990, and Kia lists a $1,495 destination charge. Financing that $26,485 total for 48 months at 3.99%, with no down payment, would be about:
- $598 per month
- $28,699 across 48 payments
- $2,214 in interest
This example does not include tax, title, registration, dealer fees, options, or a different dealer price. Add those numbers in the LoanLenz calculator before comparing it with a lease or another loan.
Expired lease offers
All four expired lease examples were for the LX and required $3,799 at signing. That amount included the first monthly payment, a down payment toward the lease, and a $650 acquisition fee.
| Drivetrain | Term | Advertised payment | Due at signing | Scheduled outlay | Average per month | Action |
|---|---|---|---|---|---|---|
| FWD | 24 months | $259 | $3,799 | $9,756 | $407 | Add to my scenarios |
| FWD | 36 months | $259 | $3,799 | $12,864 | $357 | Add to my scenarios |
| AWD | 24 months | $279 | $3,799 | $10,216 | $426 | Add to my scenarios |
| AWD | 36 months | $279 | $3,799 | $13,564 | $377 | Add to my scenarios |
Scheduled outlay is the $3,799 due at signing plus the remaining advertised monthly payments. Average per month spreads that amount across the full lease. Both numbers still leave out tax, title, registration, dealer fees, insurance, maintenance, repairs, and any end-of-lease charges.
The same $3,799 upfront amount made the 24-month leases cost more per month when averaged over the shorter term. The 36-month FWD example had the lowest average in this group, even though both FWD examples advertised the same $259 payment.
Mileage and lease-end terms
Each expired example allowed 10,000 miles per year and charged $0.20 for each extra mile. Kia listed no security deposit and a possible termination fee of up to $400.
| Lease | Purchase option at lease end |
|---|---|
| FWD, 24 months | $19,598.90 |
| FWD, 36 months | $17,744.95 |
| AWD, 24 months | $21,138.75 |
| AWD, 36 months | $19,165.80 |
The purchase option is not the complete cost of leasing and then buying. Taxes, fees, and financing for the buyout can add more. Use LoanLenz to compare the lease-only cost and the estimated cost if you buy the Seltos at the end.
Expired $500 military bonus observation
Kia also listed a $500 military bonus for qualified customers who bought or leased a new vehicle during the observed offer period. Kia said eligible customers included certain active, honorably discharged, retired, or disabled members of the US Armed Forces or Reserves, as well as an eligible member’s spouse.
Documentation was required. The captured terms said a military ID by itself was not enough, and spouses also had to provide proof of marriage. They limited customers to two Kia specialty incentives in a calendar year. Compatibility with other offers varied, so ask the dealer to show every current incentive in writing.
We did not find a general customer cash rebate for the 2027 Seltos in this ZIP code during this check.
How to compare offers like these
- An APR offer may fit if you plan to keep the vehicle, qualify for the promotional rate, and can manage the higher monthly payment.
- A 36-month lease may fit if you want a new vehicle for three years, stay within the mileage allowance, and accept the large upfront payment.
- Watch short leases carefully. In these expired examples, the headline payment was the same as the 36-month choice, but the same upfront cash was spread across fewer months.
- Do not choose from the advertisement alone. Get a written selling price, all fees, the exact rate or money factor, and every amount due before signing.
Read our 2027 Kia Seltos first look for official trim information, or the attributed vehicle profile for what three independent professional reviewers reported.
Sources
- Kia official 2027 Seltos offers for ZIP 60601 — checked July 26, 2026
- Kia official 2027 Seltos offer refresh for ZIP 60601 — checked August 14, 2026
- Kia America 2027 Seltos pricing — checked July 26, 2026
- Kia America official 2027 Seltos image gallery — checked July 26, 2026