Kia has a history of being low brow and catering to the lower end of the financial market. I was a lender for a local credit union (many years ago)and someone came in to get a loan for close to double the MSRP of the car. They were so upside down on their trade that the dealer rolled into the new deal plus every add on etc.
We normally did not value new cars and wrote loans for them if t(e person qualified but there was no way I was putting my name on that loan.
My wife bought a car (without my input) and the car company called us 3 weeks later. They gave her a new contract $600 cheaper to get the loan through. I am sure they so over charged her, the loan company said no to the original loan.