Hyundai Motor Finance

Hyundai Motor Finance is the captive finance subsidiary of Hyundai Motor America and provides vehicle financing and lease products for Hyundai and Genesis vehicles sold through authorized dealerships in the United States. It is operated by Hyundai Capital America, which is headquartered in Irvine, California.

As a captive lender, Hyundai Motor Finance is structured to support Hyundai and Genesis vehicle sales. Financing is arranged at the dealership level, and buyers typically encounter Hyundai Motor Finance when working with the finance department at a Hyundai or Genesis dealership. Consumers do not generally apply directly to the captive lender outside of the dealer context.

Hyundai Motor Finance commonly offers retail installment loans for new and used Hyundai and Genesis vehicles, as well as lease financing for new models. Hyundai and Genesis have actively promoted leasing in the US market, and Hyundai Motor Finance manages a large lease portfolio.

Manufacturer promotional financing is a common feature of captive auto lending programs. Hyundai and Genesis periodically offer special low annual percentage rate incentives on specific new models, typically available to buyers with strong credit. These promotions run for limited periods and apply to qualifying vehicles only.

Before accepting dealership financing through Hyundai Motor Finance, consumers should obtain a quote from their own bank or credit union for comparison. Promotional rates can sometimes be the most competitive option available, but in other cases an outside lender may offer better terms depending on the buyer's credit profile and the vehicle selected. Consumers should also check whether a cash-back offer is available as an alternative to the low-rate promotion.