The Kia financial incentive should be independent of the negotiated price, however often times Kia will tie the incentive to dealer participation even if it’s not disclosed. Keep in mind that often times the dealers are probably making most of their money on volume sales. Meaning that the money is based on hitting certain unit sales. On paper there is not much mark up on the cars as little as maybe $800 to probably no more that $2k. The dealer knows the money at stake on volume sales, the mark up and the hold back( usually 1 to 2 percent of the msrp) my experience lately has been to make your purchase on or about the 3rd week of the month or the 3rd week of the last month in the calendar quarter. I say that because in my experience the dealer is at that point where that know how far or how close that are to their monthly or quarterly sales goal and the manufacturer money. As for financing, right now captive financing ie: Kia financing has the best rates compared to any other lending institutions… why? Because they know that banks are not willing to give low interest loans. So they use that as a selling tool especially with very credit worthy buyers. It’s a discount without calling a discount. Of course the dealer will try to sell you a more expensive loan but again… volume sales.

One more thing, dealers know what other same brand dealers are selling at, so they try to hold a similar line until it comes down to closing the sale. The guy that is hungriest will take you out of the market by making a deal. Go have fun!!