2025 Kia Telluride Loan Calculator
Financing a 2025 Kia Telluride means budgeting for a three-row V6 SUV that spans a wide trim ladder, from the entry LX to the off-road-styled X-Pro.
- MSRP range
- $36,190–$51,390
- EPA MPG
- 20 city / 26 hwy
- Typical prime APR
- 6.5%
- Body type
- suv
Financing a Kia Telluride
Typical price and what buyers finance
The 2025 Telluride carries an MSRP from about $36,190 for the LX to $51,390 for top trims, with the mid-grade EX and SX drawing the largest share of buyers because they bundle popular comfort and tech features. The X-Line and X-Pro add rugged styling and mild off-road hardware at the upper end of the range.
Most shoppers finance a well-equipped EX or SX in the mid-$40,000s, so the amount financed is typically several thousand dollars below the maximum once a down payment and any trade-in are applied.
Loan terms and monthly payments
Three-row family SUVs like the Telluride are commonly financed over 60 to 72 months, and some lenders offer 84-month terms on higher-priced trims. A 72-month loan lowers the monthly payment compared with a 60-month loan on the same amount.
The trade-off is total interest: stretching the term keeps more principal outstanding for longer, so a buyer pays more over the life of the loan even when the monthly figure looks more manageable.
APR by credit tier and down payment
On a 2025 new-car loan, borrowers with prime or excellent credit (720+) generally see APRs around 6 to 7 percent, with the Telluride's reference rate near 6.5 percent. Near-prime applicants (660-719) often fall in the 9 to 11 percent range, while subprime borrowers (under 660) may face 13 to 15 percent or higher.
Putting down roughly 10 to 20 percent reduces the financed balance and the monthly payment. A down payment in this range also helps a buyer avoid negative equity, where the loan balance exceeds the SUV's value.
Cost of ownership
The Telluride's V6 returns an EPA-estimated 20 mpg city and 26 mpg highway, typical for a gas three-row SUV of its size. Kia's three-row models have built a reputation for strong resale value and solid reliability, which can support trade-in equity later in the loan, and insurance costs are generally in line with other mainstream family SUVs.
Because rates vary by lender, comparing offers from multiple lenders, for example through a marketplace like LendingTree, can help buyers find a competitive rate before signing.
Cost-of-ownership notes
- High feature content for the price makes loaded trims feel like luxury bargains.
- Surprisingly strong resale value for a Kia, supporting trade-in equity.
- High demand can lead to dealer markups; confirm pricing before financing.
- V6 fuel economy is average for a large SUV; there is no hybrid option.
Frequently asked questions
How much should I put down on a Telluride? +
A down payment of about 10 to 20 percent of the price is a common guideline. On a mid-trim Telluride in the mid-$40,000s, that is roughly $4,500 to $9,000. A larger down payment lowers your monthly payment and reduces the risk of owing more than the vehicle is worth.
What credit score do I need to finance a Telluride at a low rate? +
The lowest advertised rates, near 6.5 percent for 2025, generally go to buyers with scores of 720 or higher. Scores between 660 and 719 typically see rates around 9 to 11 percent. You can still be approved below 660, but rates often reach 13 to 15 percent or more.
Is a 72-month loan a good idea on a Telluride? +
A 72-month term lowers the monthly payment compared with shorter terms, which is why it is common on three-row SUVs. However, you pay more total interest and stay in a negative-equity position longer. A shorter term costs more per month but less overall.
Which Telluride trim do most buyers finance? +
The mid-grade EX and SX are the most popular choices because they include the comfort and technology features many families want. These trims typically land in the mid-$40,000s, below the X-Pro and other top configurations.
Does the Telluride hold its value during the loan? +
Kia's three-row SUVs have earned a reputation for relatively strong resale value. Holding value well can help you build equity and makes it less likely that you will owe more than the vehicle is worth midway through the loan term.
Compare similar vehicles
Estimates only, not financial advice. MSRP and fuel-economy figures are approximate; confirm current pricing and specifications with the manufacturer.