Hyundai finance options

Want to buy a Hyundai, new or used? Here are your Hyundai finance options.

What types of Hyundai finance options are there?

• Car loan. Lenders offering these car loans will register a security interest in the Hyundai you buy, and in exchange give you a competitive interest rate. This rate usually falls between 5-10% p.a. The loan amount you’re approved for is usually tied to the value of the Hyundai - but amounts of between $1,000 and $100,000 are available.
• Personal loan. This loan option can be secured or unsecured. An unsecured loan means that the lender does not take any security over the Hyundai you wish to buy and you can use the funds however you want. Unsecured rates are generally 8-16% p.a. while secured rates are generally 5-10% p.a.
• Car lease. This allows self-employed people to buy a Hyundai for business purposes. The lender purchases the car and you make lease payments until the end of the term of the lease.
• Commercial hire purchase. This is an option for businesses who hire a Hyundai from the financier for a fixed payment monthly over a term that is agreed to. You have the option to purchase the car at the end of your loan term.
• Novated lease. Novated leases give employees access to tax benefits by allowing them to salary package a Hyundai. You’re able to lease the car and your employer pays the lease repayments from your pre-tax income.
• Hyundai Finance. Hyundai also offers its own financing options which you can sign up for at a dealership. You have your choice of standard loan options such as consumer finance, finance lease and a commercial hire purchase. Also, there are innovative options such as a goods loans and a CarPlan. A goods loan is available to you if the Hyundai will be used 50% or more for business purposes, which allows you to claim tax deductions. The CarPlan is a lease with an option of purchase or trade-in at the end of the term.

It’s important to remember that, although it’s possible to get finance, it’s a purchase that isn’t regarded as “good debt” as the asset that you’ve purchased depreciates in value as soon as you’ve driven it off the lot.

It can also be tempting to just opt for Hyundai dealer finance as you can have the transaction done in one go. However, it would benefit you to do your research and ensure that whatever financing you choose is ideal for your financial circumstances.

Hyundai finance options: What to consider

There are several things to look at in your finance before you jump into a Hyundai and drive off into the sunset, such as:

• Can you afford the repayments? Knowing if you can afford the repayments, whether they are monthly, fortnightly or weekly, is very important from the outset. You don’t want to drive yourself into debt.
• Do you want to own the Hyundai? There are lease and loan options available and both types offer benefits and drawbacks. However, leases may not allow you to own the vehicle upfront. Consider whether you want this asset under your name.
• Is the Hyundai for personal or business use? You can access tax benefits and flexible finance options if your vehicle will be for business use, so remember this when considering your options.
• How’s your credit? There are lenders available that will consider borrowers with poor credit, but remember this will limit your finance options and affect your interest rate.

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Hyundai finance options: Questions to ask yourself before you commit

Before you finance your dream car, there are some things to consider, which include:

• What’s my budget? It’s important to know how much you can spend before picking your ideal car. Hyundai has a range of vehicles starting from $20,950 for the i30 that will help you squeeze into those small car spaces or the pricier Santa Fe that comes in at a cool $40,900. Using a car loans calculator will help you figure out how much you can afford to pay off each week, fortnight or month.
• What kind of car do I want? Hyundai has a selection of vehicles available to suit a variety of needs. If you’re after more commercialised vehicles, such as the iLoad, Hyundai can help you out. If you want a people mover to help transport your growing family around, Hyundai offers the Santa Fe and the Tuscan. Doing your research on what kind of cars are available can help you make a firm decision.
• What kind of features do I want? Genuine Hyundai accessories come with each Hyundai vehicle that you purchase. These vary depending on the car but can start from front park assist, a multimedia and navigation system, sunroof, Apple Play, leather interior and many more. Do your research on what kind of features are on offer so you don’t get overwhelmed. Make sure the car you want has them before buying.

Hyundai finance costs

Some costs for you to consider before applying for a loan for your new car are:

• Loan fees. Before applying for a loan, you should check if there are any upfront fees such as an application fee, and whether there are any ongoing fees that you’re expected to pay, such as monthly fees or transaction fees. Another fee to keep an eye on is a fee if you make an extra repayment. The fees will vary from lender to lender.
• Upkeep of the car. Paying for fuel, servicing, new tyres and running your car can be expensive. There is also car washing to consider. You’ll want everyone to see how nice and clean your new car is!
• Registration and insurance. Now that you’re on the road, you must pay to be on the road. This is the cost of registration. You’ll also want to consider insurance, as other cars might hit your new car or you might hit them.

Saving enough to buy the car of your dreams might not be enough if you are unable to keep your dream car roadworthy and running in the way that you like it. These additional costs can add up and are something to keep in mind before purchasing your vehicle.

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What you will need to apply for a loan

You’ll need the following to apply for a car loan:

• Financial statements. These can include payslips and bank statements for the past three months, or your last tax return statement.
• Identification. This can be shown through your Australian Driver’s Licence (if you have one), your Medicare card, your birth certificate or your passport.
• A stable income. Most lenders won’t let you borrow money off them if you can’t show that you have a stable income.
• Assets and debts. You’ll need to know your current assets and liabilities situation which also needs to be shown through documentation.

Now you know what you need to do to purchase a new Hyundai. Keep in mind your financing options and additional costs before choosing your favourite car – ours is the Hyundai i30. Enjoy the drive!

About Hyundai

Hyundai is a popular brand that has become the car of choice for many Australians. This manufacturer has a wide range of vehicle types available, which is a huge part of the appeal. This includes the Hyundai i30, a sought-after hatchback, and the iLoad van - ideal for businesses who need help hauling stock.

Loans you can use to finance a Hyundai

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Name	Product	Interest Rate (p.a.)	Comparison Rate (p.a.)	Monthly Repayment	View Details CTA
IMB New Car Loan		4.88% (fixed)	5.23%		You'll receive a fixed rate of 4.88% p.a. A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.	You'll receive a fixed rate of 4.88% p.a. A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.	Go to site View details	Compare	loading Fetching your data...
Wisr Secured Car Loan		From 4.74% (fixed)	5.01%		You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile A flexible car loan from $5,000 - $64,000 with personalised rates and rewards for strong credit customers. ⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.	You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile A flexible car loan from $5,000 - $64,000 with personalised rates and rewards for strong credit customers. ⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.	Go to site View details	Compare	loading Fetching your data...
Credit Concierge Car Loan		From 3.69% (fixed)	4.23%		You'll receive a fixed rate of 3.69% p.a. with a comparison rate of 4.23% p.a. Get access to over 20 providers to fund a new or used car.	You'll receive a fixed rate of 3.69% p.a. with a comparison rate of 4.23% p.a. Get access to over 20 providers to fund a new or used car.	Go to site View details	Compare	loading Fetching your data...
Driva Car Loan Exclusive		From 3.99% (fixed)	4.79%		You'll receive a fixed rate from 3.99% p.a. Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders. ⭐Exclusive Offer: Apply and settle with Driva by February 7, 2022 to earn a $250 fuel voucher.	You'll receive a fixed rate from 3.99% p.a. Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders. ⭐Exclusive Offer: Apply and settle with Driva by February 7, 2022 to earn a $250 fuel voucher.	Go to site View details	Compare	loading Fetching your data...
loans.com.au - New and Dealer Used Car Loan		3.99% (fixed)	4.53%		You'll receive a fixed rate of 3.99% p.a. based on your risk profile Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. ⭐Special Offer: Settle the loan before 30 June 2022 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.	You'll receive a fixed rate of 3.99% p.a. based on your risk profile Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. ⭐Special Offer: Settle the loan before 30 June 2022 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.	Go to site View details	Compare	loading Fetching your data...
RACV New Car Loans		From 4.99% (fixed)	5.69%		You'll receive a fixed rate from 4.99% p.a. A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.	You'll receive a fixed rate from 4.99% p.a. A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.	Go to site View details	Compare	loading Fetching your data...
Stratton Finance New Car Loan		From 3.99% (fixed)	5.27%		You'll receive a fixed rate from 3.99% p.a. depending on the lender you are approved with Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.	You'll receive a fixed rate from 3.99% p.a. depending on the lender you are approved with Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.	Go to site View details	Compare	loading Fetching your data...
NRMA New Car Loan		From 4.99% (fixed)	5.69%		You'll receive a fixed rate from 4.99% p.a. Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.	You'll receive a fixed rate from 4.99% p.a. Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.	Go to site View details	Compare	loading Fetching your data...
Great Southern Bank Fixed Rate Car Loan		6.79% (fixed)	7.16%		You'll receive a fixed rate of 6.79% p.a. A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.	You'll receive a fixed rate of 6.79% p.a. A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.	Go to site View details	Compare	loading Fetching your data...
NAB Personal Loan Unsecured Fixed		From 6.99% (fixed)	7.91%		You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.	You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.	Go to site View details	Compare	loading Fetching your data...
Symple Loans Personal Loan		From 5.75% (variable)	6.47%		You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile Borrow up to $50,000 to pay for what you need.	You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile Borrow up to $50,000 to pay for what you need.	Go to site View details	Compare	loading Fetching your data...
SocietyOne Car Loan		From 5.45% (fixed)	5.45%		You'll receive a fixed rate between 5.45% p.a. and 21.49% p.a. based on your risk profile A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.	You'll receive a fixed rate between 5.45% p.a. and 21.49% p.a. based on your risk profile A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.	Go to site View details	Compare	loading Fetching your data...
OurMoneyMarket Car Loan		From 5.35% (fixed)	5.65%		You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile. Borrow between $2,001 and $75,000 to finance a new or used car up to 7 years.	You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile. Borrow between $2,001 and $75,000 to finance a new or used car up to 7 years.	Go to site View details	Compare	loading Fetching your data...
Latitude New and Used Car Loan		From 5.99% (fixed)	7.24%		You'll receive a fixed rate of 5.99% p.a. Apply for a loan from $5,000 to finance a new or used car. Flexible repayments and options to finance a classic car.	You'll receive a fixed rate of 5.99% p.a. Apply for a loan from $5,000 to finance a new or used car. Flexible repayments and options to finance a classic car.	Go to site View details	Compare	loading Fetching your data...
NRMA Used Car Loan		From 6.24% (fixed)	6.94%		You'll receive a fixed rate from 6.24% p.a. Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.	You'll receive a fixed rate from 6.24% p.a. Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.	Go to site View details	Compare	loading Fetching your data...

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Name	Product	Roadside Assistance	Accidental Damage	Storm	Choice of Repairer	Agreed or Market Value
Budget Direct Comprehensive Finder Award		Optional			Optional	Agreed or Market	Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews. ⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: People who want a comprehensive policy without breaking the bank.	Get Quote View details	Compare	loading Fetching your data...
Youi Comprehensive					Optional	Agreed or Market	Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions. Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.	Get Quote View details	Compare	loading Fetching your data...
Qantas Comprehensive		Optional			Optional	Agreed or Market	Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. ⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply. Who it might be good for: People who'd like to earn Qantas Points.	Get Quote View details	Compare	loading Fetching your data...
Coles Comprehensive		Optional				Agreed or Market	Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs. ⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: Coles customers and Flybuys collectors.	Get Quote View details	Compare	loading Fetching your data...
Bingle Comprehensive						Market	Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low. Who it might be good for: Someone who wants a low-cost option that covers them for the basics.	Get Quote View details	Compare	loading Fetching your data...
Huddle Black Comprehensive						Agreed or Market	Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover. Who it might be good for: Someone who wants a 24/7 claims processing.	Get Quote View details	Compare	loading Fetching your data...
ahm Comprehensive		Optional				Both	Finder’s summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover. ⭐ Current offer: Sign up for ahm car insurance and you'll enjoy a $50 Visa e-gift card*. Offer ends 13 Feb. Who it might be good for: People who drive less than 15,000 km per year.	Get Quote View details	Compare	loading Fetching your data...
Australia Post Comprehensive					Optional	Agreed or Market	Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you. ⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply. Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.	Get Quote View details	Compare	loading Fetching your data...
Huddle Comprehensive		Optional				Agreed or Market	Finder's summary: Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs. Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.	Get Quote View details	Compare	loading Fetching your data...
QBE Comprehensive Green Company					Optional	Agreed or Market	Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. ⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply. Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.	View details	Compare	loading Fetching your data...
Virgin Comprehensive		Optional			Optional	Agreed or Market	Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price. ⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply. Who it might be good for: People who'd like to manage their policy online 24/7.	View details	Compare	loading Fetching your data...
Stella Comprehensive		Optional				Agreed	Finder's summary: Stella is a 2021 Finder Innovation award finalist in the Best Insurance Innovation award category. It comes with competitive pricing, rewards for being a safer driver and some unique inclusions like cover if your car is damaged as a result of domestic violence. It also offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. ⭐ Current offer: Save 10% when you pay your premium annually. T&Cs apply. Who it might be good for: Someone who wants a women-focused car insurance policy (it will cover men too).	View details	Compare	loading Fetching your data...
Poncho Comprehensive						Agreed	Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household. Who it might be good for: People who want their car insurance month to month.	View details	Compare	loading Fetching your data...
PD Comprehensive		Optional				Agreed	Finder's summary: PD comprehensive car insurance policy lets you buy, manage, and start your claims process online. It includes cover for emergency repairs up to $500 and free windscreen chip repair. Ability to customise your extras cover. ⭐ Current offer: New policyholders can enjoy 15% off on their first year's premium. T&Cs apply. Who it might be good for: Those with low claims history and the only driver.	View details	Compare	loading Fetching your data...
Woolworths Comprehensive		Optional				Agreed or Market	Finder's summary: Woolworths has some unique perks like a price-beat guarantee where it'll beat any current comparable comprehensive renewal notice if you're over 25. You can also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.35 per month. ⭐ Current offer: Save up to 15% when you buy online. T&Cs apply. Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.	View details	Compare	loading Fetching your data...
Real Comprehensive		Optional				Agreed or Market	Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much. ⭐ Current offer: Up to 10% discount on your policy in your first year when you buy online. T&Cs apply. Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.	View details	Compare	loading Fetching your data...
Hume Bank Comprehensive						Agreed or Market	Finder's summary: Hume's highest level of cover includes up to $500 for emergency repairs, up to $1,000 for re-keying/re-coding stolen keys, 14 days temporary cover on replacement vehicle, and more. ⭐ Current offer: Save up to 10% on your policy when you buy online. T&Cs apply. Who it might be good for: People prepared to name specific drivers on their policy for lower premiums.	View details	Compare	loading Fetching your data...
Australian Seniors Comprehensive		Optional				Agreed or Market	Finder's summary: Australian Seniors' comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover. ⭐ Current offer: Get up to 20% off on your first year's premium when you buy online. T&Cs apply. Who it might be good for: People over 50 years old looking for flexible cover options.	View details	Compare	loading Fetching your data...
AAMI Comprehensive		Optional				Agreed	Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available. ⭐ Current offers: Save $50 when you buy online. T&Cs apply. Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.	View details	Compare	loading Fetching your data...
Apia Comprehensive		Optional				Agreed or Market	Finder's summary: This policy includes lifetime guarantee on repair work authorised by Apia. It also covers you for after claim expenses up to $1,500 if your car is damaged or stolen. ⭐ Current offer: Get 5% off when you buy online. T&Cs apply. Who it might be good for: People who drive less than 20,000km per year can benefit from Apia Drive Less Pay Less® discount.	View details	Compare	loading Fetching your data...

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