2026 Kia EV9 — Financing

Kia EV9 Loan Calculator

Our Loan Calculator display shows you how your Kia EV9 loan balance compares to the ongoing value of your vehicle. With financing, each monthly payment will reduce the balance of your loan. Unfortunately, during this same period, your vehicle's resale value will decline as well. The purpose of this tool is to show you how you can finance your EV9 to ensure that your loan balance declines faster than the value of your vehicle.

With your results below, the goal is to have the shaded area be entirely green. This likely means that the value of your vehicle will always be greater than your loan balance. If you see yellow or red, your loan balance at some point will be at or above the value of your vehicle. You want to avoid this as we describe here. For the best financial outcome, adjust your loan terms, or choose a vehicle that doesn't depreciate as rapidly.

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01Vehicle

Vehicle Price

Trade-In or Down Payment4% of price

02Loan terms

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03Vehicle details

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Tip: calculations refresh automatically as you edit any field. Adjust the interest rate if you have a real rate quote.

Payment Summary

Kia EV9 Monthly Payment

Estimated monthly payment

$1,744.83

for 48 months at 8.99% APR

Per payment to principal

$1,461.02

Per payment to interest

$283.81

Where your money goesover 48 months

Principal: $70,129
Interest: $13,623

84% of every payment goes toward equity in the EV9; the rest is interest.

Loan Term: 48 mo
Total Principal: $70,129
APR: 8.99%
Total Interest: $13,623
Paid in Full: May 2030
Total Cost of Loan: $83,752

Resale vs. loan balance

Kia EV9 Projected Resale Value vs Loan Balance

Each year’s bar is colored against the Kia EV9’s projected resale value: green when the loan is below resale, yellow when balance is close, and red when you’d owe more than the Kia EV9 is worth.

Year	Resale Value	Loan Balance	Difference
0	$68,345	$70,129	-$1,784 (-3%)
1	$68,345	$54,877	+$13,468 (20%)
2	$44,007	$38,197	+$5,810 (13%)
3	$40,706	$19,953	+$20,753 (51%)
4	$37,651	$0	+$37,651 (100%)
5	$34,829	$0	+$34,829 (100%)
6	$32,744	$0	+$32,744 (100%)
7	$30,249	$0	+$30,249 (100%)
8	$26,552	$0	+$26,552 (100%)
9	$24,686	$0	+$24,686 (100%)
10	$21,337	$0	+$21,337 (100%)

Amortization Schedule

Kia EV9 Loan Amortization

4 years · 48 payments · $1,744.83/mo

Month	Interest	Principal	Balance
Jun, 2026	$525.38	$1,219.45	$68,909.70
Jul, 2026	$516.25	$1,228.59	$67,681.11
Aug, 2026	$507.04	$1,237.79	$66,443.33
Sep, 2026	$497.77	$1,247.06	$65,196.26
Oct, 2026	$488.43	$1,256.41	$63,939.86
Nov, 2026	$479.02	$1,265.82	$62,674.04
Dec, 2026	$469.53	$1,275.30	$61,398.74
Jan, 2027	$459.98	$1,284.86	$60,113.88
Feb, 2027	$450.35	$1,294.48	$58,819.40
Mar, 2027	$440.66	$1,304.18	$57,515.22
Apr, 2027	$430.88	$1,313.95	$56,201.28
May, 2027	$421.04	$1,323.79	$54,877.48
Jun, 2027	$411.12	$1,333.71	$53,543.77
Jul, 2027	$401.13	$1,343.70	$52,200.07
Aug, 2027	$391.07	$1,353.77	$50,846.30

This Kia EV9 is expected to lose $30,694 of its resale value during the 48 months of this loan. Check out our Kia EV9 Depreciation Calculator for a detailed analysis of the EV9’s past and expected future depreciation. This user-friendly tool allows you to interactively see how well the EV9 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best EV9 model years to buy to get the best value.

Kia EV9 Loan Calculator

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Kia EV9 Projected Resale Value vs Loan Balance

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