At Arapahoe Kia in Centennial, CO, we make financing simple and stress-free with our get pre-approved car loan process powered by Upstart. In just 60 seconds, you can check your financing options with a soft credit check—so there’s no impact on your score. Whether you’re purchasing your first Kia, upgrading to a pre-owned vehicle, or rolling over negative equity, Arapahoe Kia has the tools to help you buy with confidence.

Why Upstart Works for You

Upstart goes beyond traditional credit checks, using advanced AI to provide smarter financing solutions. With an instant decision and clear next steps, you’ll enjoy a faster purchase experience when you arrive at our dealership. That means less time on paperwork and more time choosing the perfect vehicle. Serving drivers in Denver, Aurora, Littleton, and Longmont, CO, we’re here to make financing easy and transparent.

First-Time Buyer & Negative Equity Friendly

Our first-time car buyer financing program helps customers who are new to credit or building their financial foundation. Upstart also specializes in negative equity car loan help, so if you owe more on your current vehicle than it’s worth, we can roll that balance into a new loan. This gives you the freedom to move forward without being stuck in your current situation.

Get Started Today

In just one minute, you can see your pre-approval options online with no credit impact. Whether you’re a first-time buyer, managing negative equity, or simply ready for your next Kia, Arapahoe Kia and Upstart make it easy to take control of your financing. Get pre-approved today and drive with confidence!