Prices and payments (including the amount down payment) do not include tax, titles, tags, $659 dealer documentation charge, emissions testing charges, or other fees required by law or lending organizations. 0% Annual Percentage Rate (APR) up to 60 months. $16.67 per month per $1000 financed at 60 months. APR financing available, subject to credit approval by Kia Motors Finance (KMF), to very well qualified buyers and not available on balloon financing. No down payment required. *Cash back from Kia Motors America, Inc (KMA). Cash back offer when you purchase a new 2019 Optima and may not be combined with finance or lease offers from Kia Motors Finance. This incentive is a limited time offer on eligible Kia vehicles. Not all incentive programs are compatible. See dealer for details. Offer expires 10/31/18.