What If I Can’t Make My Car Payment?

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KIA Victoria is here to help.

We recognize that these are tough economic times for many people in Greater Victoria. If you are experiencing financial hardship because of COVID-19 or any other reason, we can assist you. If you’d like to speak to a KIA Victoria representative for personalised help navigating your available options, please fill out the following form. We can help with: a) extending, delaying, or cancelling your current lease or finance contract with us or any financial institution, b) determining the available equity in your vehicle, and c) reviewing your available options with your vehicle such as trading down to a lower payment, and much more.You can also book a confidential credit appraisal. You will be put in contact with one of our Financial Services Managers for a confidential telephone meeting. Access the KIA Victoria confidential inquiries form here.
Trade Down

Reduce your payments. Trading down to a lesser expensive vehicle or payment option can help with cash flow.


You may have equity in your vehicle. Ask us for an appraisal to review your options to refinance.

Defer Your Payments

You may be eleigible to defer paymnents, change your payment date, and extend your lease maturity date.


KIA Canada has taken immediate, decisive action to help its lease and loan customers that are facing hardship as a result of the COVID-19 outbreak. KIA Motors Financial (KMF) is closely monitoring the impact of Novel Coronavirus (COVID-19) and is intent on ensuring our customers are cared for. We understand that times like these cause a lot of uncertainty, especially when it comes to managing payments. Here are your options:

Lease: 30-day Payment Deferral

You may be eligible to defer your Lease payments for a 30-day period without additional processing fees, without affecting your Credit Bureau, when approved through KMF. The Original Lease Term would be extended by the deferral period, but the Original Residual Value, Maximum Allowable Kilometers, Periodic Payment, and Interest Rate would remain unchanged.

Lease: Due-Date Change

You may be eligible to move your periodic (monthly/bi-weekly) lease payment due-date forward by up to 20 days without additional processing fees or interest expense to give yourself additional time to make your scheduled periodic lease payment.

Lease: Maturity Date Extension (Less Than 30-days)

If your lease is scheduled to mature in the next 30-days but are unable to return your vehicle to KIA Victoria due to COVID-19 concerns, you may be eligible to extend your maturity date by up-to 30-days. Your Maturity Date, Residual Value, and Maximum Allowable Kilometers will be adjusted, but your Periodic Payment amount and Interest Rate will remain unchanged.

Loan: 90-day Payment Deferral
You may be eligible to defer your Loan payments for up-to 90-days without additional processing fees. Your Credit Bureau will not be impacted. Original Loan Term will be extended by the deferral period, but the Original Periodic Payment and Interest Rate will remain unchanged. You will incur additional interest expense over the longer term of the Loan.

Loan: Due-Date Change

You may be eligible to move your periodic Loan payment due-date forward by up-to 20-days without additional processing fees, providing you additional time to make your scheduled periodic loan payment. Your Loan Maturity Date will be extended, and additional interest charges are incurred.

Contact KMF at 1-866-250-3151 or to inquire about any of the above support initiatives. All programs are subject to approval by KMF. Please note, KMF is experiencing very high call volumes, and they do appreciate your patience and understanding during this challenging time.


If you are having difficulty making your monthly payments, contact one of our Finance Specialists and we will try to help by contacting your lender to request a payment extension: call 250-360-1111 or email Additionally, here’s a list of the five major banks, along with information and links on their COVID-19 loan policies.


CIBC is referring clients to their COVID-19 Financial Relief page. Due to an extremely high volume of calls, CIBC is asking clients who are experiencing financial hardship to first complete a financial assistance form. Clients whose individual situation requires immediate attention, such as having a payment due in the next 48 hours, can still talk to their CIBC advisor by calling 1-877-454-9030.


BMO information can be found at their Coronavirus Update Page. At BMO, like the other banks, you’ll experience longer wait times when you call their Contact Centre at 1-844-837-9228. The best way to get help right now is through BMO’s online support tool.


Scotiabank information can be found at on their auto loans page. To request an auto loan or Scotia Plan Loan payment deferral, Scotiabank is asking clients to fill out this form to start the process.


TD Canada Trust information can be found on their financial relief page. Clients can request a payment deferral of up to the equivalent of two monthly payments for loans financed by TD Auto Finance through a dealership by filling out this form.


RBC is offering immediate financial relief through their “skip-a-payment” or “delay” options, available through Online Banking 24 hours a day and 7 days a week. Information can be found at their Covid-19 Update page. To skip one monthly payment on your auto loan, follow these steps:

  1. Log into Online Banking.
  2. From the Account Summary page, select the loan you would like to manage.
  3. Scroll to the bottom of that page and select the “Skip a Payment” option.
  4. Follow the instructions.

For more information or for longer term relief, request a call-back using their online booking tool.


If you have been impacted by COVID-19 and your vehicle requires servicing, we have a few options that may make it easier to have your vehicle serviced or repaired by spreading out the cost involved. Please contact one of our Service Advisors to request assistance: call 250-360-1111 or email