KGM Finance UK: Torres, Actyon, Rexton & Musso Guide
💡 Key Takeaway
Thinking of a KGM? Here's how PCP and HP work on the Torres, Actyon, Rexton and Musso, what rates to expect, and what to check before you sign.
If you've noticed more chunky, well-priced SUVs with a KGM badge lately, you're not imagining it.
KGM is the Korean brand that used to be known as SsangYong, and it has built its name on offering a lot of metal and kit for the money. If you're after a family SUV, a tow car or a pickup, it's worth a look. 🚙
Here's how finance works across the range, and what to check first.
The UK range at a glance
Tivoli: the smallest of the bunch, a compact SUV for those who want practicality without the bulk.
Torres: a boxy, adventure-style SUV, also offered as the Torres Hybrid and the fully electric Torres EVX.
Actyon: the sleeker, coupe-style SUV, with an Actyon Hybrid version.
Rexton: the big, traditional seven-seat 4x4, popular with people who tow.
Musso: a double-cab pickup, which often appeals to business users as well as private buyers.
As a rough guide to pricing, the Torres Hybrid launched from £35,995 and the Actyon Hybrid from £38,995. Always check the current price list, as these can change.
How KGM finance works
KGM offers finance through KGM Finance, usually arranged at the dealership. The two main routes are:
PCP (Personal Contract Purchase): lower monthly payments, with an optional final payment at the end if you want to keep the car. You can also hand it back or part-exchange it.
HP (Hire Purchase): you pay off the full value over the term, and the car is yours at the end. Payments are higher, but there's no large final payment.
If you plan to keep a Rexton or Musso for many years, HP can make a lot of sense. If you like changing car every three or four years, PCP may suit you better.
What rates are on offer?
At the time of writing, KGM's UK offers page lists PCP deals at 5.9% APR representative on the Actyon Hybrid, Torres Hybrid, Tivoli, Torres EVX and Rexton, and 7.9% APR representative on the Musso.
Earlier in 2026, KGM has also run offers with a deposit contribution, so it's worth asking whether anything similar is available now.
Remember these are examples. Offers change often, they usually come with a minimum deposit and a set term, and a representative rate isn't guaranteed. Your own APR will depend on your circumstances.
Things to think about for each model
💡 Torres EVX: if you're going electric, ask whether any government grant applies to the version you want, and check that your charging setup suits your routine.
💡 Hybrids: these make most sense if you do plenty of town driving. Compare the real running cost against the petrol version, not just the monthly payment.
💡 Rexton and Musso: towing and off-road use can be hard work on a vehicle. Make sure you're realistic about your mileage on a PCP, and check what the agreement says about wear and tear.
💡 Musso for business: pickups can be treated differently for tax depending on how they're used and on their specification. Speak to your accountant before you assume anything.
Don't forget resale value
On a PCP, the Guaranteed Future Value sets the final payment, and it's based on what the lender thinks the car will be worth.
KGM is a smaller brand than the likes of Toyota or Ford, so the used market is thinner. That doesn't make it a bad buy, and it's one reason PCP can be appealing, because the GFV protects you if values drop.
If you buy on HP or a loan, go in with your eyes open about what the car may be worth when you come to sell.
What to check before you sign
✅ Total amount payable, not just the monthly figure
✅ Annual mileage limit and the excess charge per mile
✅ Warranty length and conditions, including the rules on servicing, as these can affect your cover
✅ Deposit needed to qualify for the headline rate
✅ Order and registration deadlines on any offer
Used KGM or SsangYong?
Manufacturer deals only apply to new cars, but a nearly new Torres or an older SsangYong Rexton can still be good value.
Independent finance can often cover these, including cars from smaller dealers or private sales, and that's where a broker can help.
Find the right deal
Whether you're looking at a new Torres or a used Musso for work, it pays to compare before you commit.
We Finance Your Asset helps drivers in Reading, Berkshire and right across the UK find finance that fits. Get in touch and we'll talk you through your options, with no pressure.