программы Hyundai Finance

Hyundai Motor Finance (HMF) provides a range of financing and leasing options to help customers purchase or lease new and certified pre-owned Hyundai vehicles. They aim to make the car-buying process more accessible and affordable. Here's an overview of some of their key programs:

Retail Financing

HMF offers traditional auto loans for customers who want to own their Hyundai. These loans typically feature competitive interest rates and flexible repayment terms, ranging from a few years to several years, depending on the applicant's credit score and loan amount. Loan amounts can cover the entire purchase price of the vehicle, minus any down payment. Customers can apply online, at the dealership, or through participating banks and credit unions. HMF often runs special financing promotions, such as low APR or deferred payments, which can make purchasing a new Hyundai even more attractive.

Leasing

Hyundai leasing through HMF allows customers to drive a new Hyundai for a specific period, typically two to three years, without owning the vehicle outright. Leasing offers lower monthly payments compared to traditional financing because customers only pay for the vehicle's depreciation during the lease term. At the end of the lease, customers can return the vehicle, purchase it at a predetermined price, or lease another new Hyundai. Leasing is a good option for those who want to drive a new car every few years and don't want to worry about long-term maintenance or resale value. HMF lease programs often include mileage allowances, and exceeding those allowances can result in additional charges.

Hyundai Motor America Protection Plan (HMAPP)

While not strictly a financing program, HMAPP is often purchased alongside a loan or lease. It’s an extended service contract that provides coverage for mechanical breakdowns beyond the factory warranty. This can help protect customers from unexpected repair costs and provide peace of mind during their ownership or lease period. Different levels of coverage are available, depending on the customer's needs and budget. HMAPP plans can be financed along with the vehicle purchase or lease, making it a convenient way to manage potential future expenses.

College Grad Program

HMF offers a College Grad Program designed to help recent college graduates purchase or lease a new Hyundai. This program typically provides incentives such as reduced or waived security deposits, competitive financing rates, or rebates. To qualify, applicants generally need to have graduated within the past two years or be scheduled to graduate within the next six months, have verifiable employment, and meet certain credit requirements. This program helps young professionals establish credit and get behind the wheel of a reliable Hyundai.

Military Program

Similar to the College Grad Program, HMF's Military Program provides special incentives to active duty military personnel, veterans, and their families. These incentives can include rebates or bonus cash towards the purchase or lease of a new Hyundai. Eligibility requirements vary, but typically require proof of military service. This program is a way for Hyundai to show its appreciation for the service and sacrifice of military members.

Credit Requirements

As with any auto financing program, credit scores play a significant role in determining eligibility and interest rates. Customers with good to excellent credit scores typically qualify for the best rates and terms. However, HMF also works with customers who have less-than-perfect credit, offering financing options that may be tailored to their individual circumstances. It's always a good idea to check your credit score before applying for financing and to shop around for the best rates and terms.