Does Hyundai Finance Bad Credit?

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If you’re dealing with a low credit score or even a non-existent or short credit history, you might feel a bit of stress as you consider financing new vehicles for sale or a used car, truck, van, or SUV. But those considering models subject to Hyundai finance have less reason to worry: At James Hodge Hyundai, we work with buyers looking to purchase Hyundai models, both new and used, with a team of friendly finance experts backed up by a knowledgeable sales team and experienced service personnel. Learn more about the options at your disposal in Muskogee here.

Get Better Rates and Save Near McAlester

Before you apply for financing for new Hyundai vehicles, you should first bear in mind that you will likely have a higher down payment, and your interest rates may come in above average. So budget high, with room to spare, and keep these pieces of advice in mind:

  • Ask questions, and don’t assume you won’t be approved. As you shop, you might think the first financing option extended to you may be your only option. It’s not. Always ask questions and see if others would be a better fit.
  • Revive your credit score. Build up your credit using a credit card on small bills that you immediately pay off.
  • Know your budget and your credit score (if you have one). As you’re applying for financing, your credit score can fall. Keep all your loan applications within 14 days to limit potential damage to your score.
  • Separate price negotiation from financing. The first offer won’t be the only one. Many dealerships consult with multiple lenders.
  • Be prepared for a higher cost. Higher interest rates and larger down payments are possible if you have no credit.

Considering these factors raises your chance of an affordable deal when financing Hyundai with bad credit or limited credit.

Steps To Take When Applying for Hyundai Financing

Once you apply online for Hyundai financing, take a few additional steps to ensure you’re in the best position possible. You’ll know quickly what your best financial decisions should be:

  1. Determine how much you can afford to pay per month based on your budget.
  2. Make a larger down payment if possible.
  3. Try to clean up your credit report before applying for a loan.
  4. Be honest about what kind of car you should buy, and don’t get more than you need.
  5. Consider lease deals, used car specials, and new car programs and incentives.
  6. Ask questions!

Hyundai Shopper Assurance

If you’re worried about the buying or leasing experience, take comfort in the Hyundai Shopper Assurance program that provides:

  • Price transparency, with MSRP listed on the Hyundai website
  • Flexible Test Drive ability, where you pick the location for your test drive through an app or James Hodge Hyundai directly
  • Online paperwork, for a minimal amount of time spent in our office
  • Three-day money-back guarantee

Find Value in the Broken Arrow Area with James Hodge Hyundai

At James Hodge Hyundai, our finance team works to consistently offer low prices to shoppers in the Tulsa region, along with flexible terms and solid advice to find and acquire vehicles that meet their budgets and unique needs. Contact us, stop by our showroom in Muskogee, learn more about Hyundai bad credit financing, and get the deal you’re looking for today to put you behind the wheel in a car you love.


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