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Used

2020 Kia Optima SE

34,704 mi.

$19,598
Est. $361/mo*
Est. Not Priced /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
8.0%

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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Deal Gauge™

Powered by Cars.com

We compared this car with similar 2020 Kia Optimas based on price, mileage, features, condition, and several other factors.
Avg. market price range
$18.1K $19.2K $20.4K $21.5K
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$19,598 This is a good deal.

What goes into the Deal Gauge™ price analysis?

100+ variables feed our Cars.com price analysis, which contains the seller’s listing information. The ultimate accuracy of the Deal Gauge™ is dependent on all such variables, and the seller is responsible for the accuracy of the information included within this listing.

Market

  • Supply & demand
  • Price
  • Original MSRP

Listing details

  • Add-on packages
  • Feature upgrades (e.g. alloy wheels, bluetooth)
  • Exterior & interior colors
  • Vehicle history (when available)

Seller

  • Dealer ratings & reviews
Our Cars.com price analysis is only an estimate to give you a head start on research. We always recommend contacting the seller of the car for more information on what factors impact its price. When possible, schedule a test drive for yourself.

How is it a “fair deal” if it’s higher than the average market range?

If a car is priced within a certain proximity of the average market range, we consider it “fair” because there may be details about this car that are unknown to Cars.com. Examples include aftermarket add-ons, pristine condition evaluations, and additional factors that increase value. We always recommend contacting the seller of this car for more information.

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Basics

Exterior color
Gravity Grey
Interior color
Black
Drivetrain
Front-wheel Drive
MPG
24–32

Based on EPA mileage ratings. Use for comparison purposes only. Actual mileage will vary depending on driving conditions, driving habits, vehicle maintenance, and other factors.
Fuel type
Gasoline
Transmission
Automatic
Engine
Regular Unleaded I-4 2.4 L/144
VIN
5XXGT4L39LG427070
Stock #
5KT10928C
Mileage
34,704 mi.

Features

Convenience
  • Heated Seats
  • Heated Steering Wheel
  • Keyless Entry
  • Keyless Start
Entertainment
  • Bluetooth®
Exterior
  • Alloy Wheels
  • Sunroof/Moonroof
Safety
  • Backup Camera
  • Blind Spot Monitor
  • Brake Assist
  • Lane Departure Warning
  • Stability Control
Seating
  • Leather Seats
View all features

Features

These features are associated with this vehicle type. Contact the seller to confirm this specific vehicle has them.

  • 4-Wheel Disc Brakes
  • A/C
  • ABS
  • AM/FM Stereo
  • Adjustable Steering Wheel
  • Aluminum Wheels
  • Automatic Headlights
  • Automatic Highbeams
  • Auxiliary Audio Input
  • BLACK LEATHER SEAT TRIM
  • BLACK, LEATHER SEAT TRIM
  • Back-Up Camera
  • Blind Spot Monitor
  • Bluetooth Connection
  • Brake Assist
  • Bucket Seats
  • CARGO TRAY
  • CARPET FLOOR MATS
  • Child Safety Locks
  • Cross-Traffic Alert
  • Cruise Control
  • Daytime Running Lights
  • Driver Adjustable Lumbar
  • Driver Air Bag
  • Driver Illuminated Vanity Mirror
  • Driver Monitoring
  • Driver Vanity Mirror
  • Front Collision Mitigation
  • Front Head Air Bag
  • Front Side Air Bag
  • Front Wheel Drive
  • GRAVITY GREY
  • Generic Sun/Moonroof
  • Hands-Free Liftgate
  • Heated Front Seat(s)
  • Heated Mirrors
  • Heated Steering Wheel
  • Immobilizer
  • Integrated Turn Signal Mirrors
  • Intermittent Wipers
  • Keyless Entry
  • Keyless Start
  • Knee Air Bag
  • Lane Departure Warning
  • Lane Keeping Assist
  • Leather Seats
  • Leather Steering Wheel
  • MP3 Capability
  • PUDDLE LAMPS
  • Panoramic Roof
  • Pass-Through Rear Seat
  • Passenger Air Bag
  • Passenger Air Bag Sensor
  • Passenger Illuminated Visor Mirror
  • Passenger Vanity Mirror
  • Power Door Locks
  • Power Driver Seat
  • Power Mirror(s)
  • Power Steering
  • Power Windows
  • Rear Bench Seat
  • Rear Defrost
  • Rear Head Air Bag
  • Rear Parking Aid
  • Remote Trunk Release
  • Security System
  • Smart Device Integration
  • Stability Control
  • Steering Wheel Audio Controls
  • Sun/Moonroof
  • Tire Pressure Monitor
  • Tires - Front Performance
  • Tires - Rear Performance
  • Traction Control
  • Trip Computer
  • Variable Speed Intermittent Wipers
  • WHEEL LOCKS

Vehicle history by CARFAX

Free CARFAX Report
Accidents or damage
None reported
1-owner vehicle
No
Personal use only
Yes
The vehicle history information is supplied by third parties. Cars.com and the Seller are not responsible for the accuracy of such information. Cars.com provides this service and materials without representations or warranties of any kind, either expressed or implied. Please see Cars.com Terms and Conditions for further information.

Seller’s info

Serra of Jackson

(585 reviews)
151 Stonebridge Boulevard, Jackson, TN 38305

Seller’s notes about this car

Recent Arrival! 6 Speakers, Alloy wheels, AM/FM radio, Apple CarPlay & Android Auto, Auto High-beam Headlights, Fully automatic headlights, Heated Front Bucket Seats, Heated front seats, Leather Seat Trim, Power moonroof, Puddle Lamps, Radio data system, Radio: AM/FM/MP3 Audio System, Wheel Locks, Wheels: 7.5J x 18" Gloss Black Alloy. Clean CARFAX. Priced below KBB Fair Purchase Price! Odometer is 10359 miles below market average!

24/32 City/Highway MPG


Gravity Gray 2020 Kia Optima SE 4D Sedan 2.4L I4 DGI DOHC 6-Speed Automatic with Sportmatic FWD


Serra of Jackson . One Destination, So Many Choices!
Disclaimer: Sale Price excludes $979 DOC FEE plus tax, title, and license.

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Customize your payment

Based on est. car price of $19,598 at ...% APR* and ...% sales tax.
$...
Car price
$19,598
Down payment
-Not Priced
Trade-in value
-Not Priced
Estimated sales tax ...%
(based on ZIP)
+
Other fees*
Not included
Total loan amount
Total interest paid
(over life of loan)
+
Total loan & interest paid
Monthly payment
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Estimate trade-in
Get prequalified

Not all customers will qualify. All decisions related to submission of consumer’s credit application, assignment of financing agreement, and available lenders are at sole discretion of the dealer. Cars.com is not an automobile dealer or a lender, and will not render a credit decision.

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

**Your Saved Vehicles list will be shared along with your contact information when you submit a vehicle request to a dealership. To opt out of this sharing, please view your options on Cars.com Privacy Notice.

About your privacy: Cars.com is asking for your ZIP and credit rating because it helps us to make an educated guess at your sales tax and loan interest. These two factors can greatly change your monthly payment.

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Consumer reviews

See what others are saying about the 2020 Kia Optima.
(75 reviews)
92% of drivers recommend this car
Rating breakdown (out of 5):
  • Comfort 4.9
  • Interior 4.8
  • Performance 4.5
  • Value 4.6
  • Exterior 4.9
  • Reliability 4.7

Most recent consumer reviews

Love this car!

February 20, 2025
By Brendan from New york
Owns this car

Love this car! Have 45,000 miles on vehicle and have only done brakes and tires… Super happy with the way it looks and responds. Most reliable car I have owned. Would happily go to another Kia after this one!

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 4.0
  • Performance 5.0
  • Value 5.0
  • Exterior 4.0
  • Reliability 5.0
  • Purchased a New car
  • Used for Transporting family
  • Does recommend this car
0 people out of 0 found this review helpful. Did you?
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Wouldn't buy another Kia 4 years old 2020 Kia Optima and

August 9, 2024
By Patricia Canter
Owns this car

Wouldn't buy another Kia 4 years old 2020 Kia Optima and it is using oil before 5000 mile oil change it was two quart low. Change my oil but didn't input any information in the system to confirm of the oil consumption test. That was on July 2nd, 2024. Here we are here today August 9th, 2024 just too have the oil consumption test start a new per Service manager. I am not a happy consumer with Kia service agreement practices.

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 1.0
  • Value 3.0
  • Exterior 5.0
  • Reliability 1.0
  • Does not recommend this car
0 people out of 3 found this review helpful. Did you?
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I wish I could give 0 stars in reliability I've owned

May 7, 2024
By Haley
Owns this car

I wish I could give 0 stars in reliability I've owned this car for almost 2 years now and it's went through already 2 motors!! It's sitting in my driveway I'm afraid to drive it!! I got it used and it only has 120,000 miles on it and already went through 2 motors within 20,000 miles Kia is aware of there engines but won't fix it had to pay for not only one but two so yeah if you ever get a chance to get a Kia optima ANY YEAR DONT DONT DONT RUN AWAY AS FAST AS YOU CAN!!!!!! THE WORST CAR IVE EVER OWNED!!!!

Rating breakdown (out of 5):
  • Comfort 1.0
  • Interior 1.0
  • Performance 1.0
  • Value 1.0
  • Exterior 1.0
  • Reliability 1.0
  • Does not recommend this car
2 people out of 5 found this review helpful. Did you?
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Explore the 2020 Kia Optima SE

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*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

**Your Saved Vehicles list will be shared along with your contact information when you submit a vehicle request to a dealership. To opt out of this sharing, please view your options on Cars.com Privacy Notice.

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