I've been looking into financing when I get my Koup. I'm 22 and work full time and am aiming to save $6500 by July for a down payment. I used to payment calculator on the Kia.ca website and found that if I make that down payment and go for the 60 month (5 year) term the monthly payments will be less than $300 a month. That is, if they will take my current car as a trade-in.