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

Does Credit Matter When Applying For New Car Financing?


When you are ready to buy a vehicle, we are available to help at O’Brien Kia of Bloomington. We can show you our new Kia car inventory and have you take a few for a test drive before you decide to buy or lease. Whether you are looking to experience a Kia Forte or a Kia Sorento, our team is here to help.

If you happen to be interested in a pre-owned Kia or a certified pre-owned Kia, we can also show you the many different models that we have in stock. The pre-owned vehicles we have in our inventory are just as reliable and they come fully-equipped with great technology and safety features.

Does Credit Matter?

Whether you settle on a new Kia car or a pre-owned model, you will need to apply for financing if you are not planning on paying upfront. We have been in the business for a long time and we understand how customers can get nervous when they think about the financing process. When you are worried about credit history, we want you to know that we have a great in-house Kia financing team who can walk you through the loan process to find you the best options for your unique situation.

Someone with a high credit score will be more likely to qualify for a loan with rewards for creditworthiness, including a lower interest rate. However, this does not mean that someone with average, poor or no credit will not qualify to get a loan. We are ready and able to work with all motorists to get the right financing so driving away in a vehicle is possible.


How We Can Help

Not only do we have a great finance team onsite to help with your financing needs, but we also have a variety of tools readily accessible on our website. You can use our finance calculator, request a quote, and even get an estimated trade-in value for your current vehicle. We do whatever possible to streamline the loan process for you to make your life easier. Our team knows that your credit score is simply a three-digit number that should not hold you back from your dream of new Kia car ownership.

We would like to invite you to our full-service Kia dealer location at 1608 Morrissey Drive in beautiful Bloomington, IL so that you can take a few models out for a test drive until you find the perfect match for your driving needs and budget. If you have questions regarding financing and how your credit score may play a role in the process, we encourage you to call our friendly team at O’Brien Kia of Bloomington at (877) 349-6057 for more information.