Hyundai Financing Deals

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About Hyundai Motor Finance

If you want to lease a new Hyundai or buy a new or certified pre-owned Hyundai, Hyundai Motor Finance offers multiple incentives and rebates. However, some of the best deals are on new purchases and you might need good credit (FICO 700+) in order to qualify for them. Those with the highest credit scores (FICO 760+) may be eligible for 0% APR financing.

Hyundai Financing in a nutshell
  • 36–72 month terms for purchases
  • 24–48 month terms for leases
  • Apply online or in person at a dealership


Hyundai rebates and incentives

If you’re in the market for a Hyundai car or SUV, Hyundai Motor Finance (HMF) offers several types of rebates and incentives that could make it more affordable. Some require you to finance through HMF and most have an expiration date. Pay attention to the fine print — terms can vary by model and location.

Here’s a closer look at Hyundai finance deals that could reduce the cost of your next lease or purchase.

  • 0% APR financing. If you qualify with HMF, you may be able to get a 0% APR offer or a low APR deal up to 72 months.
  • Retail Bonus Cash. This may be worth up to a few thousand dollars. It does not require you to finance through Hyundai, but if you do, it cannot be combined with low or 0% APR financing or special lease offers.
  • HMF Bonus Cash. This rebate requires that you finance with Hyundai Motor Finance and is often combined with low-APR financing offers. It is regularly worth $500 to $1,000 and must be used as a down payment.
  • 90-Day payment deferral. With HMF, you may be able to delay your first car payment up to 90 days. Interest will still accrue during this period. In some cases, you may be able to take 90 days plus another two months when payments are covered. The catch? You might have to forgo other perks like Bonus Cash.
  • Military Program. Active-duty, retired or veteran U.S. military personnel and their spouses may qualify for a $500 rebate that can be used toward the purchase or lease of a new Hyundai.
  • First Responders Program. A $500 rebate may also be available to police officers, sheriffs and their deputies, correctional officers, state troopers, federal law enforcement officers, firefighters (paid or volunteer), EMT/paramedics, 911 dispatchers, health care professionals and hospital employees and their spouses.
  • College Grad Program. If you graduated within the last two years or will graduate within the next six months with an associate, bachelor’s or master’s degree, you may be eligible for a $400 rebate. You’ll need to provide a copy of your diploma or proof of upcoming graduation and verify your employment.
  • Mobility Program. Hyundai offers up to $1,000 to assist with the cost of adaptive equipment, such as pedal extensions, swivel seats and running boards.

This may not be an exhaustive list of Hyundai incentives and their requirements. Check the Hyundai Finance website or with a dealer for more information.

APR deals vs. rebates: Which is better?

If you have to choose between special financing and a rebate, it’s almost always better to take the rebate. With a rebate, you get the money now rather than spreading out a low APR over several years. Even if you qualify for no-interest financing, borrowing less money could save more money over time.

Leasing from Hyundai Finance

  • Standard leasing terms: 24, 36 and 48 months
  • Standard annual mileage limits: 10,000-25,000 miles
  • Mileage overage fee: 20 cents per mile

Leasing allows flexibility and a lower monthly payment than a purchase. The main downside is that at lease-end, you’ll either have to buy your leased car or turn it in and start from scratch. There are also restrictions on mileage and wear and tear. Too many miles or damages, and you could be charged for it. Read more about whether to lease or buy.


How to apply for Hyundai financing

Whether you apply directly to Hyundai Motor Finance online or in person at a dealership, you need to first pick out the car you want. You’ll then provide personal details for you and your cosigner (if you have one) including address, Social Security number, employment, income and monthly rent or mortgage payment.

Alternatives to Hyundai Finance

HMF is just one way to finance a Hyundai. It’s smart to get multiple loan offers so you know what rates and terms you deserve. That way, if you don’t qualify for a low or 0% APR deal, you’ll have a fallback plan and won’t have to rely on the dealer to arrange financing for you. You could apply directly with your own bank, credit union or online lender, which may discount your loan in exchange for setting up automatic loan payments.

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More about Hyundai

Based in South Korea, Hyundai Motor Company is a global car manufacturer that sold 4.4 million vehicles in 2019. In addition to the Hyundai name, it also owns the luxury brand Genesis and is a heavy investor in the mass market brand Kia and the United Kingdom-based startup Arrival, an electric vehicle company. This doesn’t mean you can buy a Genesis or Kia through Hyundai Motor Finance — both brands have their own financing arms.

However, Hyundai and Kia often partner on shared technology including an augmented reality owner’s manual. Once you’ve downloaded the appropriate app, simply hold your phone or tablet over the control panel or engine and it will point out what’s what.

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