Complete the contact form above with your service needs, vehicle details, and your preferred way to be reached. A finance team member follows up to walk through your service estimate and available payment plans. After you pick a plan that suits your budget, we schedule the service, complete the work, and you pay it down according to the terms you agreed to.

Almost any qualifying service or parts expense at Dean McCrary Kia is eligible — routine work like oil changes, tires, and brakes, alongside larger jobs like engine replacement, transmission rebuilds, and electrical repairs. Genuine Kia parts and Kia-authorized accessories are covered as well. The single exception is an open Kia safety recall, which is never something you'd finance since it's always free.

Not necessarily. Our lending partner considers more than a single credit score, and most people who apply — about 9 in 10 — get approved. A blend of factors decides approval and terms: creditworthiness, identity verification, state of residence, and payment history among them. There's no hard credit inquiry involved in checking your eligibility, so your score is unaffected either way. Final say on approval, rate, and terms rests with the lending partner.

No. Checking eligibility skips the hard inquiry altogether, leaving your score untouched. Once you open a payment plan, though, your account and payment history do get reported to a major credit bureau — paying on time can boost your credit, while missed payments can drag it down.

Terms typically run 3, 6, or 12 months. APR is set at approval and can range anywhere from 0% to 35.99%, based on the lending partner's evaluation. A down payment might be required at time of service, and there are no application, origination, or prepayment fees — paying it off early carries no penalty. Your specific term, rate, and monthly payment are confirmed before you agree to anything.

Our finance team typically responds quickly during business hours. Send an inquiry in the evening or over the weekend and you'll hear back first thing the next business day. Need help right now? Call our service department directly at (601) 544-4007.

Yes. Whenever Dean McCrary Kia performs the work — whether it's a Kia or another make we service — financing is available. Eligibility follows the service charge itself, not the badge on the hood.

There's no need to. Open Kia safety recalls are repaired free of charge, regardless of how long you've owned the vehicle. Check your VIN for open recalls here and get the repair on the schedule — no payment or financing enters into it. Service financing is reserved for paid work that falls outside recall coverage.

Yes — service financing is just a payment method, not a discount in itself. Apply any active Dean McCrary Kia service specials, rewards, or manufacturer rebates first, then finance whatever's left over. Locking in those savings first shrinks your total cost before financing ever comes into it.

To speed things along, gather: your name and contact info, your vehicle's year/make/model (VIN if handy), the service needed or symptoms you're noticing, and a cost estimate if you already have one. Don't have an estimate yet? That's fine — our service advisors can put one together before you decide on anything.

Minimums and maximums shift depending on the lender program in play. Most service financing options cover everything from a single oil change up through major engine or transmission work. Our finance team confirms the exact limits that apply to your situation when they get in touch.

No. The contact form exists purely to start a conversation — submitting it commits you to nothing. You're free to skip any particular plan, or skip financing entirely. Look over your options, ask whatever you need to, and walk away without hard feelings. Nothing locks in until paperwork is signed.