What to do when a Kia Finance America account holder dies
Contact Kia Finance America — 5-step process, 3 required documents, and kia finance america does not publish a fixed timeline for updating a deceased customer's account. payoff quotes and account updates are handled through customer service once the death certificate and any required estate documents are received.
Kia Finance America Customer Service Department
Written correspondence (not payments): Kia Finance America, P.O. Box 20825, Fountain Valley, CA 92728. Loan payments: Kia Finance America, P.O. Box 650805, Dallas, TX 75265-0805. Lease payments: Kia Finance America, P.O. Box 660891, Dallas, TX 75266-0891 (write the account number on the check).
Kia Finance America Customer Service Department
Written correspondence (not payments): Kia Finance America, P.O. Box 20825, Fountain Valley, CA 92728. Loan payments: Kia Finance America, P.O. Box 650805, Dallas, TX 75265-0805. Lease payments: Kia Finance America, P.O. Box 660891, Dallas, TX 75266-0891 (write the account number on the check).
Kia Finance America Customer Service (Deceased Account Holder)
Kia Finance America, P.O. Box 20825, Fountain Valley, CA 92728 (written correspondence / estate documents — call to confirm before mailing a death certificate). Loan payoffs: P.O. Box 650805, Dallas, TX 75265-0805. Lease buyouts: P.O. Box 660891, Dallas, TX 75266-0891.
Kia Finance America balances do not pass to anyone at death — they are settled. The executor reports the death to the Kia Finance America Customer Service (Deceased Account Holder) (1-866-331-5632), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Kia Finance America. A certified death certificate is the primary document required to start any claim.
Death claim process
To file a claim after an account holder's death, here is what Kia Finance America requires:
Filing a claim
- A copy of the death certificate for the deceased borrower or lessee
- Documentation of the executor or personal representative of the estate, if there is a probate estate (for example, Letters Testamentary or Letters of Administration from the probate court)
- The Kia Finance America account number for the loan or lease
- For a loan: request a payoff quote (available by logging in to the account or through the automated phone system at 1-866-331-5632), then pay off the balance from estate funds, life insurance, or the proceeds of a sale; once the lien is satisfied Kia Finance America releases the title so the vehicle can be retitled through the estate
- For a loan: an heir who wants to keep the vehicle can refinance the balance in their own name
- For a lease: return the vehicle through the lease-end process or exercise the purchase option in the lease to buy it out, working with the Lease-End Servicing Team at 855-537-8542
- Sell the vehicle and use the proceeds to pay the balance
- Surrender or return the vehicle to Kia Finance America if the estate does not intend to keep it
Required Documents
- Copy of the death certificate for the deceased borrower or lessee
- Documentation of the executor or personal representative of the estate, if applicable (Letters Testamentary or Letters of Administration)
- The Kia Finance America loan or lease account number
What to know at this institution
An auto loan and an auto lease are debts, not assets — neither carries a payable-on-death or beneficiary designation. Because Kia Finance America holds a lien on a financed vehicle's title, the title is released to the estate only after the loan balance is paid; the vehicle can then be retitled to an heir or sold. A lease is owned by Kia Finance America, so the estate returns the vehicle through the lease-end process or buys it out at the contract purchase option. Kia Finance America (operated by Hyundai Capital America) does not publish a dedicated deceased-customer claim form, so a survivor calls the Customer Service Department to report the death, confirm the current address for estate documents, and send a self-drafted notification with the death certificate and estate paperwork (user-drafted). The written-correspondence address is P.O. Box 20825, Fountain Valley, CA 92728; loan payoffs go to P.O. Box 650805, Dallas, TX 75265-0805 and lease buyouts to P.O. Box 660891, Dallas, TX 75266-0891.
Prepare your letter of instruction to Kia Finance America
Kia Finance America accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Kia Finance America's verified claims department, with the documents it requires enclosed.
Build your letter of instructionHow long the process takes at Kia Finance America: Kia Finance America does not publish a fixed timeline for updating a deceased customer's account. Payoff quotes and account updates are handled through Customer Service once the death certificate and any required estate documents are received. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
To process a claim, Kia Finance America needs Copy of the death certificate for the deceased borrower or lessee, Documentation of the executor or personal representative of the estate, if applicable (Letters Testamentary or Letters of Administration), and The Kia Finance America loan or lease account number. Death certificates and court documents must be certified copies—photocopies are not accepted.
Frequently asked questions
A Kia Finance America auto loan or lease does not disappear when the borrower or lessee dies; it becomes an obligation of the estate. Notify the Customer Service Department at 1-866-331-5632, provide a copy of the death certificate and, where there is a probate estate, documentation of the executor or personal representative. The estate then resolves the account through payoff, refinance, sale, lease return or buyout, or surrender of the vehicle.
No. A vehicle loan and a vehicle lease are debts, not assets, so there is no payable-on-death or beneficiary designation. When the borrower or lessee dies, the obligation becomes part of the estate. The estate resolves a loan by paying it off, refinancing, or selling the vehicle, and resolves a lease by returning the vehicle at lease-end or buying it out at the contract purchase option.
Kia Finance America asks for a copy of the death certificate for the deceased borrower or lessee. Where there is a probate estate, it may also require documentation of the executor or personal representative — Letters Testamentary or Letters of Administration issued by the probate court. Include the Kia Finance America account number so the paperwork can be matched to the account.
Because Kia Finance America owns the leased vehicle, the estate can return the vehicle through the lease-end process or exercise the purchase option in the lease to buy it out. Any remaining lease obligation, excess-wear charges, or excess-mileage charges are a debt of the estate. Contact the Lease-End Servicing Team at 855-537-8542 to arrange the return or buyout.
When financing a Kia, some borrowers buy optional protection products at the dealership, such as Guaranteed Asset Protection (GAP) or credit life or credit insurance. GAP may help cover the shortfall if the vehicle is declared a total loss and the primary insurance pays less than what is owed. Credit life, if purchased, may pay off some or all of the balance on the borrower's death. Whether any such product applies depends on what was purchased; check the original financing contract or call Customer Service at 1-866-331-5632 to confirm what is on the account.
Call the Kia Finance America Customer Service Department at 1-866-331-5632, Monday through Friday 8 a.m. to 9 p.m. ET. Have the death certificate for the deceased borrower or lessee ready. Written correspondence and estate documents can be mailed to Kia Finance America, P.O. Box 20825, Fountain Valley, CA 92728; include the account number.
Kia Finance America's Kia Finance America Customer Service (Deceased Account Holder) can be reached by phone at 1-866-331-5632 for questions throughout the claims process.
Sources
Data sourced from Kia Finance America primary sources (3 pages reviewed). How we research.
Kia Finance America Customer Service Department
Written correspondence (not payments): Kia Finance America, P.O. Box 20825, Fountain Valley, CA 92728. Loan payments: Kia Finance America, P.O. Box 650805, Dallas, TX 75265-0805. Lease payments: Kia Finance America, P.O. Box 660891, Dallas, TX 75266-0891 (write the account number on the check).
Kia Finance America Customer Service Department
Written correspondence (not payments): Kia Finance America, P.O. Box 20825, Fountain Valley, CA 92728. Loan payments: Kia Finance America, P.O. Box 650805, Dallas, TX 75265-0805. Lease payments: Kia Finance America, P.O. Box 660891, Dallas, TX 75266-0891 (write the account number on the check).
Kia Finance America Customer Service (Deceased Account Holder)
Kia Finance America, P.O. Box 20825, Fountain Valley, CA 92728 (written correspondence / estate documents — call to confirm before mailing a death certificate). Loan payoffs: P.O. Box 650805, Dallas, TX 75265-0805. Lease buyouts: P.O. Box 660891, Dallas, TX 75266-0891.
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