2020 Kia Optima S

Birmingham, AL

$14,290

Used95,407 mi

Carvana

AI Value Analysis

Mehdeal31

Asking

$14,290

Est. market

$12,846

Premium

$1,444(11.2%)

$14,290

$9k$12.8k$15.2k

“$1,444 above market”

Single-owner history

Asking $14,290 vs estimated $12,846 for 2020 Kia Optima S at 95.4K mi (Meh).

Before You Buy

✓

One previous owner.

Cost to own

5-yr estimate · 2020 Kia Optima

Monthly cash out

$822

5-yr running

$33,595

Per mile

$0.49

Money out per month: recurring costs + loan payment. Doesn't include depreciation — see Resale below.

Annual miles

Ownership horizon

Driver age

State

1 · Monthly costWhat leaves your account every month

Yearly cash-out breakdown

Loan term

Credit

Down payment10% · $1,429

Monthly payment

$262

Total interest

$2,859

Down payment

$1,429

Upfront fees

$595

Resale value vs. loan balance

Value at year 5

$10,345

Value lost

$3,945

Best sell year

of 5

Equity at sale

$10,345

resale − loan balance

Projected resale value

Opportunity cost (what your down payment would have earned)

Estimates use state averages — your actual costs depend on driving history, exact zip, and insurer.

Buyer Intel

Summary: One owner, no reported accidents.

Vehicle Details

Body: Car

Engine: 2.4L 4Cyl regular unleaded

Transmission: Automatic

Drivetrain: FWD

Fuel: Gasoline

Cylinders: 4

Exterior: Silver

Interior: Black

Doors: 4

Seats: 5

History

VIN

5XXGT4L38LG388598

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