KIA Soul Loan Calculator

Our Loan Calculator display shows you how your KIA Soul 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 Soul 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.

KIA Soul Loan Calculator

Vehicle Price
$
Trade-In / Down Payment
$
Interest Rate
%
Credit Score
Loan Period
Sales Tax Rate
%
Model Year
Expected Annual Mileage
tip: Update the price if you change the model year.      reset this form

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Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

KIA Soul Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $16,962 $16,962 $0 (0%)
1 $15,958 $13,153 +$2,805 (18%)
2 $14,689 $9,073 +$5,616 (38%)
3 $13,588 $4,696 +$8,892 (65%)
4 $12,569 $0 +$12,569 (100%)

KIA Soul Monthly Payment

Loan Term 48 Months
APR 6.99%
Paid in Full Nov, 2028
$406.10
Total Principal $16,962
Total Interest $2,531
Total Cost of Loan $19,493
$406.10
Loan Term 48 Months
APR 6.99%
Paid in Full Nov, 2028
Total Principal $16,962
Total Interest $2,531
Total Cost of Loan $19,493

KIA Soul Loan Amortization

Month Interest Principal Balance
Dec, 2024 $98.80 $307.00 $16,655.00
Jan, 2025 $97.02 $309.00 $16,346.00
Feb, 2025 $95.22 $311.00 $16,035.00
Mar, 2025 $93.40 $313.00 $15,722.00
Apr, 2025 $91.58 $315.00 $15,407.00
May, 2025 $89.75 $316.00 $15,091.00

This KIA Soul is expected to lose $4,393 of its resale value during the 48 months of this loan. Check out our KIA Soul Depreciation Calculator for a detailed analysis of the Soul's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Soul has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Soul model years to buy to get the best value.

Other KIA Soul Costs of Ownership


Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major KIA Soul costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses:

Used KIA Souls For Sale

2014 Kia Soul Base

Mileage: 32,416
Mileage: 32,416     Price: $11,156
Location: Dulles, VA ~ 3 miles away
Dealer: Beyer Volvo Cars Of Dulles
Days on Market: 172
Colors (ext/int): Inferno Red / Black

$11,156


2013 Kia Soul +

Mileage: 115,080
Mileage: 115,080     Price: $6,000
Location: Sterling, VA ~ 3 miles away
Dealer: Safford Brown Nissan Sterling
Days on Market: 26
Colors (ext/int): White / Black Seat Trim

$6,000


2023 Kia Soul LX

Mileage: 47,758
Mileage: 47,758     Price: $16,950
Location: Sterling, VA ~ 4 miles away
Dealer: Easterns Automotive Group
Days on Market: 32
Colors (ext/int): Steel Gray(Gray) / Black

$16,950


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