Less than Perfect Credit? You Can Still Get Your Perfect Kia!

When your credit is less than perfect, you may think that your favorite Kia is out of reach. Worry no more! At Bob Utter Kia in Sherman, TX, we have helped many people with all types of credit scores get the Kia that they want. Whether you're in McKinney or Corinth, TX, stop by and see how we can help you drive home in your favorite Kia.

How we can help

At Bob Utter Kia, we have our own in-house financing team that has worked with all types of credit issues. We understand your position and have the financing power to get you the auto loan that you need. Whether you are looking for a lower down payment or lower monthly payments, we can create a deal that makes sense for you.

Ways financing a Kia can help your credit

Let's say you don't have a long credit history, making car payments can go a long way to help you out. If you are ever planning on getting a home mortgage, showing a bank that you can handle car payments will help as well. At Bob Utter Kia, we will help you get your Kia financed and put you on a path to better credit.

What are the most affordable Kia vehicles?

There are a number of Kia vehicles that are extremely affordable. For instance, there is the compact Rio sedan and hatchback for Tom Bean and Denison, TX drivers. If you are looking for an affordable SUV, there is the excellent Kia Kona compact SUV. Also, we have a selection of affordable used vehicles priced for less.

What should I do next?

Find out your credit score and then head down to Bob Utter Kia to take a look at our new and used inventory. Our sales team will help you find the best vehicle in your price range. From there, our finance team will create a deal that will make your monthly payments easy to handle.

Take a test drive of your favorite Kia today!

Get your Kia deal now! Take a test drive at Bob Utter Kia today. We look forward to helping our Plano, TX customers today.

Start Your Application

Contact Information

Purchase Timeframe

Your privacy is important to us.

Bob Utter Kia takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


Bob Utter Kia

2433 Texoma Parkway
Directions Sherman, TX 75090

  • Sales: (903) 813-5048
  • Service: (903) 893-8300
  • Parts: (903) 892-5967


  • Monday 8:30AM - 6:00PM
  • Tuesday 8:30AM - 6:00PM
  • Wednesday 8:30AM - 6:00PM
  • Thursday 8:30AM - 6:00PM
  • Friday 8:30AM - 6:00PM
  • Saturday 8:30AM - 6:00PM
  • Sunday Closed