You're sitting in your driveway, staring at a billing statement that doesn't make sense, or maybe you're trying to figure out why your auto-pay didn't pull this month. It’s frustrating. You just want to talk to someone who can fix it without making you sit through twenty minutes of "Your call is important to us." Honestly, finding the right kia motors finance customer service number shouldn't feel like a scavenger hunt, but with different departments for leasing, collections, and general retail accounts, it often does.
Most people just want the direct line. If you are looking for general account help, the primary number you need is (866) 331-5632.
But there’s a bit more to it than just dialing a ten-digit number. Depending on whether you're trying to buy out your lease or you're calling about a late payment, the person on the other end of that specific line might not be the one you actually need.
The Main Kia Motors Finance Customer Service Number and Hours
Let's get the basics out of the way first. For the vast majority of Kia drivers—specifically those with a standard retail loan or a lease through Kia Finance America (formerly KMF)—the main contact point is that (866) number.
They aren't open 24/7. You can reach a live representative Monday through Friday, from 8:00 a.m. to 9:00 p.m. Eastern Time. If you call at 8:45 p.m. on a Friday, be prepared for a bit of a wait. The automated system, however, is available around the clock. You can check your balance, verify the last payment date, or get a payoff quote without ever talking to a human.
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Specialized Numbers You Might Actually Need
Sometimes the main line is just a bottleneck. If your situation is specific, jumping straight to the right department saves a lot of "let me transfer you" hold music.
- Lease-End Servicing: If your lease is ending and you have questions about the inspection or turning the car in, call (855) 537-8542. They are also available 8 a.m. to 9 p.m. ET, Monday–Friday.
- Collections Department: If you’ve missed a payment and need to work out a plan, their hours are slightly different: Monday–Friday 8 a.m. to 10 p.m. ET, Saturday 8 a.m. to 4:30 p.m. ET, and Sunday 8 a.m. to 5 p.m. ET. Reach them at (866) 344-5632.
- Roadside Assistance: This isn't strictly finance, but people often confuse the two. For a flat tire or a lockout, call (800) 333-4542.
Why Your Call Might Take Longer Than Expected
It’s no secret that customer service reviews for major auto lenders can be... let’s say "mixed." As of early 2026, many customers have reported long hold times and a bit of a runaround when it comes to refunds or title releases.
One common sticking point is the "payment timeout." If a payment is returned for non-sufficient funds (NSF), Kia Finance often blocks your ability to pay online or via the app for 90 days. During this "time out," you’re forced to call the kia motors finance customer service number and pay a convenience fee—usually around $3.95 for the automated system or more for a live rep—just to stay current. It feels like a double penalty, and honestly, it’s one of the biggest complaints on forums like the Better Business Bureau.
Dealing with the Payoff Maze
If you're selling your car or refinancing, you need a payoff address. Don't just mail a check to the address on your monthly statement. They use different P.O. boxes for different things.
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For a standard retail finance payoff via regular mail:
Kia Finance America
P.O. Box 650805
Dallas, TX 75265-0805
If you're sending it overnight (FedEx/UPS) because you're in a hurry to stop interest from accruing:
Kia Finance America
Box 650805, 1501 North Plano Rd., Suite 100
Richardson, TX 75081
Lease payoffs are handled separately, often going to a P.O. Box in Palatine, Illinois. Always double-check your specific payoff quote on the Kia Finance website or app before licking the envelope.
Tips for Getting a Human Faster
We've all tried the trick of pressing "0" repeatedly. Sometimes it works, sometimes the robot just hangs up on you.
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When calling (866) 331-5632, have your account number or Social Security number ready. The system is designed to authenticate you before it even considers putting you in a queue for a human. If you don't have your info, the system might loop you.
Try calling on Tuesday or Wednesday mornings. Monday is notoriously the busiest day for any call center, and Friday afternoons are a close second. If you’re calling about a complex issue—like a missing title or a disputed charge—write down the name of the representative and their "ID number" if they'll give it to you. It makes a world of difference when you have to call back for a follow-up.
Actionable Steps for Your Kia Account
Instead of just calling and hoping for the best, take these steps to manage your account more efficiently:
- Use the Portal First: Register your account at kiafinance.com. You can download your 1098 forms, change your address, and see your payment history without waiting on hold.
- Download the App: The Kia Finance mobile app allows for quick payments and "Chat" features that are sometimes faster than the phone line.
- Check for "Convenience Fees": Be aware that paying over the phone usually costs extra. If you can, set up AutoPay through the portal to avoid these $4-$7 charges.
- Escalate if Necessary: If you are getting nowhere with a regular rep, ask for the "Consumer Affairs" or "Executive Escalations" team. For serious issues, mailing a physical letter to their Fountain Valley, CA headquarters (P.O. Box 20825) can sometimes trigger a more formal response than a phone call.
Dealing with car payments is stressful enough. Knowing exactly which number to dial and when to dial it is half the battle. If you stay organized and keep a record of who you talked to, you'll have a much better chance of getting your Kia Finance issues resolved without losing your mind.