Transparency Verdict
Finnin Kia earns an A.
One of the good ones.
You can walk in here with confidence. Fees are reasonable, add-ons are rare, and the final number usually matches the listing.
Developing confidence — based on 5 verified out-the-door quotes and 2 tracked negotiations · Dubuque, IA
Collected Jul 10, 2026 – Aug 8, 2026 · Updated Aug 17, 2026
One of the dealers buyers can trust.
Finnin Kia qualifies for the CarEdge Certified license — an A-grade transparency score of 94/100 from 5 verified out-the-door quotes.
The full story
Why Finnin Kia earned this grade
Between July 2026 and August 2026, CarEdge negotiated or logged 5 verified deals with this dealership. We pulled the doc fee, the add-ons, and the gap between advertised and out-the-door price from each one. Then we graded them the way a friend in the business would: on the things that actually cost you money.
✓ What they do well
3 thingsDoc fee is in line with the market
At $159, their doc fee sits at or just under the IA average. Not exceptional, but nothing to fight over.
Mandatory add-ons are the exception
Only 20% of quotes include add-ons you can't decline, averaging $349 when present. Most shoppers here never see one.
Advertised pricing is largely honest
On average, the quoted price is only 1.0% above the listing — small enough to be fees, not markup games.
5 verified OTD quotes from Finnin Kia
Real out-the-door worksheets, not reviews. Click “View Quote” on any row to see the price breakdown.
Recent Quotes
Verified out-the-door prices from real transactions
2 vehicle transactions — 5 individual quotes
2027 Kia Telluride Hybrid
2025 Kia Sportage
Most Common Add-ons
At a Glance
Tips for Finnin Kia
- Minor add-ons (~$70) may appear. Ask what's included and if they can be removed.
- A-rated dealer! Focus on vehicle price negotiation—fees are already competitive.
- Doc fee ($159) is at or below national average. One less thing to negotiate.
- Dealer markup is only +1% above listing (excluding taxes). This dealer keeps their fees minimal.
Keep researching
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On the lot right now
Separate from the grade above — this is what's currently listed. Useful for spotting aging stock with room to negotiate.
Current Inventory
View all 214 vehicles →$33,658
Median Price
30
Median Days Listed
37
Added This Week
Days on Market
How long vehicles have been listed. Older stock means more room to negotiate.
Nearby Rated Dealers
These dealers near Dubuque have transparency scores based on verified pricing data.
Frequently Asked Questions
What fees does Finnin Kia charge?
Based on 5 verified out-the-door quotes collected by CarEdge, Finnin Kia charges a $159 documentation fee and averages $70 in dealer add-ons when present. Finnin Kia earns Transparency Grade A (94/100).
What is Finnin Kia's doc fee?
Finnin Kia charges a typical documentation fee of $159. The IA average is $198. This is based on 5 verified OTD quotes in our database.
Does Finnin Kia add mandatory add-ons?
Finnin Kia adds an average of $70 in dealer add-ons when present. Ask for an itemized breakdown and negotiate to remove non-essential items like paint protection, nitrogen tire fill, or VIN etching.
Is Finnin Kia a good dealer?
Finnin Kia has a transparency score of 94/100, earning a Grade A. This score is based on their doc fees, add-on behavior, dealer markup, and data quality from 5 verified OTD quotes. This is a well-above-average score, indicating transparent pricing practices.
Explore Kia and Iowa dealer data
How we know this
Every number on this page came from a real deal.
Most dealer review sites scrape star ratings and count angry posts. We do the opposite. CarEdge shops for cars alongside thousands of real buyers every week — and when we negotiate on their behalf, we capture the full out-the-door breakdown the dealer sends back.
For Finnin Kia in Dubuque, IA, that has meant 5 verified OTD quotes across 2 negotiated deals logged into our database. Each one is a PDF, an email, or a screenshot showing the actual doc fee, the actual add-ons, and the actual final price — not a salesperson's promise.
Fee Transparency
30%Is the doc fee reasonable, or is it just profit? We compare it against the state average — and the legal cap, where one exists.
Add-on Behavior
30%How often does the dealer stick you with mandatory add-ons like paint protection or theft deterrent — the kind you can't say no to? Add-ons the dealer discloses as optional don't count against them.
Price Accuracy
30%Does the advertised listing price match what you'd actually sign for? We flag dealers whose out-the-door diverges from the listing.
Data Quality
10%More data = more trustworthy grade. Dealers with lots of recent, complete quotes score higher for consistency.
The four numbers behind the grade
Weighted ScoreThe raw component scores — the math that led to A.
Doc Fee Comparison
Pulled 5 quote records · Grades update as new data comes in · Dealers cannot pay to change their score.
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