2026 Kia Niro monthly payment by trim
Monthly payment, 2026 Kia Niro
$549a month
- LX FWD, 60 months, 10% down.
- Needs about $65,900 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 | $28,885 | $1,733 | $27,730 | $549 | $473 | $419 | $5,215 |
| Plug-in Hybrid LX | $28,885 | $1,733 | $27,730 | $549 | $473 | $419 | $5,215 |
| EX FWD | $31,685 | $1,901 | $30,418 | $602 | $519 | $459 | $5,721 |
| Plug-in Hybrid EX | $31,685 | $1,901 | $30,418 | $602 | $519 | $459 | $5,721 |
| Plug-in Hybrid SX | $34,885 | $2,093 | $33,490 | $663 | $571 | $505 | $6,298 |
| SX FWD | $34,885 | $2,093 | $33,490 | $663 | $571 | $505 | $6,298 |
| Plug-in Hybrid SX Touring | $37,285 | $2,237 | $35,794 | $709 | $610 | $540 | $6,732 |
| SX Touring FWD | $37,285 | $2,237 | $35,794 | $709 | $610 | $540 | $6,732 |
| EV Wind FWD | $41,195 | $2,472 | $39,547 | $783 | $674 | $597 | $7,438 |
| EV Wave FWD | $46,195 | $2,772 | $44,347 | $878 | $756 | $669 | $8,340 |
Salary needed
| Rule | Down | Term | Payment | Salary needed |
|---|---|---|---|---|
| Payment under 10% of gross pay | 10% | 60 months | $549 | $65,900 |
| 20/4/10: 20% down, 4 years, under 10% of pay | 20% | 48 months | $595 | $71,400 |
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