When my son bought his in June of 2015, he paid $18,400 OTR for an LX+ auto using an auto show discount. Current MSRP isn't much more than it was back then. All, GTA buyers were doing better than that at the time but we have less competition out this way. Got 5 years at 0% as well. A great buy. Last summer, Kia had $4500 (currently $3000) on the hood for the EX Luxury trim and with the new model hitting dealerships this fall, it seems reasonable that discounts will be at least as good. If Kia follows it's pattern, look for deeper discounts beginning in April, if you can wait. We have a Civic in the family as well, and at the same dollar I would buy the Honda. The Kia is great value at the right price.