NEW 2026 KIA NIRO SX Listing Price

$32,245

A Vehicle Service Contract (also known as an extended warranty) is an optional protection plan that covers the cost of certain repairs or services after the manufacturer’s warranty expires.  Vehicle Service Contracts are not insurance, and purchasing one is not required to obtain financing or purchase a vehicle.

Disclaimer:
You may choose to purchase a Vehicle Service Contract directly from the dealership.  Availability, cost, coverage, and terms may vary by provider.

The cost of Vehicle Service Contract shown represents the maximum amount the lender is willing to finance based on the information provided. Actual loan amounts may vary depending on credit approval, vehicle selection, and other qualifying factors. Additional fees, taxes, or down payment requirements may apply.

Guaranteed Auto Protection (GAP) GAP helps you cover the “gap” between the amount provided by your auto insurance if your vehicle is declared a total loss due to accident, theft, or other covered incidents and what remains owing to your auto lender. Adding GAP will protect you from out-of-pocket costs when you faced with a total loss.

Why you should get GAP
Your current auto insurance may not be enough if your vehicle is declared a total loss. Often times, the primary auto insurance settlement is based on the market value of the vehicle at the time of the declaration of the total loss, which could be less than the balance still owed on your finance or lease contract.

GAP waives or pays the balance (minus certain fees and charges) between the amount still owed on your finance or lease contract and your auto insurance settlement.

Total Loss Protection
If your car is declared a total loss through theft or accidental damage and you still owe more on your finance or lease contract, GAP may reduce or even eliminate your remaining balance.

Deductible Coverage
GAP coverage may cover a portion of your auto insurance deductible.

Disclaimer:
You are not required to purchase a GAP Waiver. You may choose to purchase a GAP Waiver directly from the dealership. Cost, coverage, and terms may vary by provider.

The cost of GAP shown represents the maximum amount the lender is willing to finance based on the information provided. Actual loan amounts may vary depending on credit approval, vehicle selection, and other qualifying factors. Additional fees, taxes, or down payment requirements may apply.

Westlake Direct offers a 10-Day Money Back Guarantee. You may return or exchange your vehicle within 10 calendar days of delivery, provided it has been driven fewer than 200 miles and remains in its original condition. Vehicles driven beyond 200 miles may still be returned, subject to a fee of $1.00 per additional mile. Shipping charges may be non-refundable once transport has begun. Returns are not accepted if the vehicle has been damaged, modified, in an accident, or encumbered beyond your Westlake Direct Note Security Agreement.

Loan options shown during the pre-qualification process are estimates only and do not represent final terms. Actual financing terms are subject to credit approval and contract signing.

Open Transit
Open Transit is a standard vehicle shipping option where your car is transported on an open trailer, similar to the ones you see on highways carrying multiple cars. It's the most common and cost-effective way to ship everyday vehicles. While your car is exposed to weather and road conditions, it's safely secured and ideal for routine transport needs.

Enclosed Transit
Enclosed Transit is a premium vehicle shipping option where your car is transported inside a covered trailer, protected from weather, road debris, and outside elements. It's ideal for luxury, classic, or high-value vehicles that need extra care during transport.