With a loan, you'll have full ownership of your Kia. That means you can modify the exterior or interior to your preference without worrying about what you might get charged at the dealership. You can add spoilers, change the exterior color, or add more style to your new Kia. With a lease, you won't be able to make any modifications because it needs to be returned at the end of the lease.

When you buy, you can also earn equity on your purchase. You'll be able to build up the value of the vehicle and anything it sells for when you decide to trade it in, that money is yours. A lease is still owned by the dealership, so you won't earn any equity on it.

When you own your vehicle, you have no restrictions on it. There is no mileage restriction on your Kia, so you can drive as much as you want and wherever you want to go. You are also responsible for your maintenance and repairs, but you can decide that you don't want to have it done. A lease has a mile restriction and because the dealership owns the vehicle still, you'll need to ensure that any damages are paid for out of your pocket.