2020 Kia Optima monthly payment by trim
Monthly payment, 2020 Kia Optima
$463a month
- LX FWD, 60 months, 10% down.
- Needs about $55,600 a year.
10% down. 7.0% APR. 60 months. 6% tax.
| Trim | MSRP + destination | Tax 6% | Financed | 60 months | 72 months | 84 months | Interest, 60 months |
|---|---|---|---|---|---|---|---|
| LX FWD | $24,355 | $1,461 | $23,381 | $463 | $399 | $353 | $4,397 |
| S FWD | $25,855 | $1,551 | $24,821 | $491 | $423 | $375 | $4,668 |
| SE FWD | $27,355 | $1,641 | $26,261 | $520 | $448 | $396 | $4,939 |
| Special Edition FWD | $27,355 | $1,641 | $26,261 | $520 | $448 | $396 | $4,939 |
| EX FWD | $28,155 | $1,689 | $27,029 | $535 | $461 | $408 | $5,083 |
| Hybrid EX FWD | $30,235 | $1,814 | $29,026 | $575 | $495 | $438 | $5,459 |
| EX Premium FWD | $31,155 | $1,869 | $29,909 | $592 | $510 | $451 | $5,625 |
| SX FWD | $33,155 | $1,989 | $31,829 | $630 | $543 | $480 | $5,986 |
| SX Turbo FWD | $33,155 | $1,989 | $31,829 | $630 | $543 | $480 | $5,986 |
| Plug-in Hybrid EX FWD | $37,015 | $2,221 | $35,534 | $704 | $606 | $536 | $6,683 |
Dashed mark: destination fee of other trims that year.
Salary needed
| Rule | Down | Term | Payment | Salary needed |
|---|---|---|---|---|
| Payment under 10% of gross pay | 10% | 60 months | $463 | $55,600 |
| 20/4/10: 20% down, 4 years, under 10% of pay | 20% | 48 months | $502 | $60,200 |
Both rules use the payment only. Insurance not included.
What this cannot tell you
MSRP. Dealer price, incentives and insurance differ.
Tax and fees vary by state.
- 2 or more sources
- 1 source
- Model-level, rule or estimate
- Sources disagree