Kia Finance America: Payoff Address, Phone & Lease Rules
Kia Finance America is Kia's captive lender, operated by Hyundai Capital America, the captive finance partner for Hyundai, Kia and Genesis. Below: the payoff addresses (separate for loans and leases), phone lines and lease rules from its official site.
Brands: Kia · Last verified November 8, 2026 against Kia Finance America's official website
Hyundai Capital America describes itself as the captive finance partner of Hyundai, Kia and Genesis. Source: hyundaicapitalamerica.com
Contact & payoff details
Lease payoff address (regular mail)
Kia Finance AmericaP.O. Box 660891Dallas, TX 75266-0891Include your completed Odometer Disclosure Statement.
Lease payoff address (overnight)
Kia Finance AmericaAttention: Box 660891885 East Collins Boulevard, Suite 110Richardson, TX 75081Loan payoff address (regular mail)
Kia Finance AmericaP.O. Box 650805Dallas, TX 75265-0805Loan payoff address (overnight)
Kia Finance AmericaBox 650805885 East Collins Boulevard, Suite 110Richardson, TX 75081Verify the address and your exact payoff amount with the lender before sending payment.
Lease buyout rules (as of November 8, 2026)
| Who buys the car | Policy |
|---|---|
| You (the lessee) | Allowed |
| A dealer buying it for you or taking it in trade | Allowed |
| A third party (another dealer, online buyer, friend or family) | Not published |
You can buy your leased Kia. If you live in a state that requires a dealer license to sell used vehicles (CO, DC, FL, HI, IN, PA, SC or SD), you must buy through an authorized Kia dealer, and the dealer can't raise the price above your purchase option price. The lender's official FAQ doesn't address buyouts by non-Kia dealers, online buyers or other lenders.
“If you reside in a state that requires a seller to have a motor vehicle dealer license to sell used vehicles (CO, DC, FL, HI, IN, PA, SC, or SD)- do not send us the purchase fund.”
Weighing it up? Compare your buyout price to today's market with the lease buyout calculator.
Lease-end process
A lease-end kit is mailed about 120 days before maturity, and an online self-assessment tool estimates excess wear (not binding). Final wear-and-use charges come from a formal inspection after turn-in. Contact your dealer to schedule the return, hand in all keys, manuals and accessories, and then notify the lender that the vehicle is back. Excess mileage is charged at $0.20 per mile over your chosen allowance.
Disposition fee: KFA covers the disposition fee (up to $400) if you lease or finance a new Kia through KFA within 60 days of returning your lease.
Title & lien release after payoff
Title release follows payoff: within 10 business days for certified funds or cashier's checks, and 15 business days for other payments (online, phone or personal check). Some FAQ answers give shorter times. In electronic-title states the lender notifies the DMV, which mails a lien-free title. For lease buyouts, the title is mailed once the full buyout and the Odometer Disclosure Statement are received.
Title not showing up? Our lien release guide covers state-by-state next steps.
Kia Finance America FAQ
What is the Kia Finance America payoff address?
Lease payoff address (regular mail): Kia Finance America, P.O. Box 660891, Dallas, TX 75266-0891. Lease payoff address (overnight): Kia Finance America, Attention: Box 660891, 885 East Collins Boulevard, Suite 110, Richardson, TX 75081. Source: Kia Finance America's official website, verified November 8, 2026.
What is the Kia Finance America phone number?
Customer service: 866-331-5632 (Mon–Fri 8 a.m.–9 p.m. ET). Lease-end team: 855-537-8542 (Mon–Fri 8 a.m.–9 p.m. ET). Verified on Kia Finance America's official website November 8, 2026.
Can a third party buy out a Kia Finance America lease?
As of November 8, 2026: You can buy your leased Kia. If you live in a state that requires a dealer license to sell used vehicles (CO, DC, FL, HI, IN, PA, SC or SD), you must buy through an authorized Kia dealer, and the dealer can't raise the price above your purchase option price. The lender's official FAQ doesn't address buyouts by non-Kia dealers, online buyers or other lenders.
How do I get my title from Kia Finance America after payoff?
Title release follows payoff: within 10 business days for certified funds or cashier's checks, and 15 business days for other payments (online, phone or personal check). Some FAQ answers give shorter times. In electronic-title states the lender notifies the DMV, which mails a lien-free title. For lease buyouts, the title is mailed once the full buyout and the Odometer Disclosure Statement are received.
What is the Kia Finance America lease disposition fee?
KFA covers the disposition fee (up to $400) if you lease or finance a new Kia through KFA within 60 days of returning your lease. Your lease contract governs the exact amount.
How do I log in to my Kia Finance America account?
Manage your account online at https://www.kiafinance.com (Kia Finance America's official site).
Lease & payoff tools
- Lease buyout calculator — is your buyout price worth it?
- Lease payment calculator
- How to get out of a car lease
- Lien release guide
- Kia lease deals · Kia money factors
Shopping for your next car? Search cars for sale.
Sources
- Kia Finance America — FAQ
- Kia Finance America — Contact us
- Kia Finance America — Lease-end overview
- Hyundai Capital America
Last verified November 8, 2026. Facts are taken only from Kia Finance America's own website; anything we could not confirm there is left off this page. CarWhere is not affiliated with Kia Finance America.