New Car Sales: 309-661-3000
Pre-Owned Sales: 309-661-3000
Service/Parts: 309-664-1222

What separates us and makes us
"Worth the Drive":

  • Modern Approach to Pricing
  • Hassle free shopping experience
  • Vehicle Pick-up and Delivery
  • Top rated dealership in the area
  • Service Reminders/Coupons sent to you directly to keep your vehicle in great shape
  • Customer focused

Introducing a new way to shop:

You can now purchase your new vehicle entirely online...

Click here to learn more about how that works with O'Brien Express

The O'Brien Experience

What Finance Terms Mean at O’Brien Kia of Bloomington


We look forward to seeing you at our Kia dealership in Bloomington, IL, where we have a vast selection of used and new Kia models for sale. We have a friendly team ready to discuss your buying or leasing options so that you can find the perfect ride to suit your needs and budget. If you are interested in Kia financing, we understand that there may be some terms that you are not familiar with. We are available to go over your options and will clarify any terms that you are not sure of.

What Finance Terms Mean at O’Brien Kia of Bloomington

Lease: This is when you make monthly payments on a portion of the actual cost of the vehicle. You drive the vehicle for a set time period, which is usually one to three years. At the end of the lease term, you can then sign up for another lease, buy the vehicle or walk away.


Finance: This is when you borrow money for the purchase of your car from a bank or lending institution. After the loan is paid off, you own the car and no longer have monthly payments to make.


Term: This is the length of your loan. Generally, the shorter the loan term the smaller your interest rate. While the monthly payment may be larger, the amount paid over time will be less.


Interest rate: This is a fee charged by lenders for your loan use, which is expressed as a percentage rate included in the monthly payment.


Down payment: This is the amount of money paid up front that can be put toward the purchase of your vehicle before securing the loan.


Equity: This is the difference in the money your car is worth and what you own. As the loan is paid off, you will build up equity.


Should you have any questions regarding these terms or other finance aspects, we would love to help you in our Kia financing center. Our staff is dedicated to helping you find the right vehicle and getting you behind the wheel of a new Kia Rio or Kia Soul that fits your needs and budget. Whether you are looking to buy or lease, or if you are trading in your current ride, we can help with whatever you need. We also have a convenient online finance application that you can use to get the process started before coming into the dealership to talk with us in person.


O’Brien Kia of Bloomington is located at 1608 Morrissey Drive in lovely Bloomington, IL when you are ready to view our inventory and take a few models for a test drive. If you have questions in the meantime on new Kia models or financing, please call our sales team at (877) 349-6057.