A QUICK GUIDE TO CAR FINANCE

Consumer Loans.

Looking to purchase a new or used Hyundai for personal use? A Consumer Loan is the most common car loan. If you are using your vehicle for private use, this is a great, simple option where you choose your repayment period (1-7 years) based on the payments you’d like to make! Our consumer finance loans are an affordable and convenient way to get you behind the wheel today.

Finance Lease.

A finance lease is a rental agreement where the vehicle is owned by the finance provider or lender, and then leased to the user for a set term. A finance lease allows the user to have full use of the vehicle and has a predetermined residual value.

Selecting a Residual Value (Balloon Payment).

Selecting a residual value allows you to defer part of the cost of your vehicle to the end of your loan with a larger final payment – this is called a residual value or balloon payment. Typically, customers choose to make this payment by buying a new vehicle and using the trade in value to cover the final payment.

Novated Lease.

A Novated Lease enables employees to salary-package their vehicles. The employee simply selects their vehicle and signs a novated agreement with the employer for an agreed term (up to 5 years). The employee reduces their taxable income by having part payment deducted before tax!

Chattel Mortgage or Goods Loan (Commercial Loan).

A Chattel Mortgage is a convenient and efficient way for a business to fund ownership of a vehicle that is being used for predominately business purposes. This is ideal for anyone wanting a business to own an asset rather than leasing (renting) an asset. A residual value is often taken with a Chattel Mortgage to keep payments down. A major advantage is that if the vehicle is used for income generating purposes, the interest charges and depreciation on the vehicle may be tax deductible!

Commercial Leasing.

A commercial hire purchase is another form of financing your motor vehicle, where you can obtain goods by hiring them over the repayment term. The transfer of title for the vehicle is completed when the finance provider receives the last rental.

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Terms and Conditions

• This is a model, not a prediction. It only provides an estimate of amounts and repayment periods and is designed to give an indicative loan repayment based on the information you have provided. • Finance Calculator estimate does NOT include any fees or charges associated with a loan transaction. • Use of this calculator does not imply that a particular interest rate, term or loan amount is available and in no way constitutes an offer of finance. • This calculator does NOT take into account your personal circumstances or ability to repay the payments displayed and is NOT intended to be your sole source of information when making a financial decision. You should consider whether you should obtain advice from a licensed financial adviser. • Please contact our Dealership and speak with the Finance Specialist to obtain your own Personalised Rate Quote.

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Hyundai Finance Disclaimer


Hyundai Finance is a registered trademark of Hyundai Motor Company and is operated under licence by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Finance to approved applicants, subject to suitability. Credit criteria, fees, charges and terms and conditions apply.

The information provided on this website is intended to provide general information only. Hyundai Finance does not provide taxation advice. You should obtain independent taxation advice. Please speak to an independent advisor for any tax-related queries.

This calculator is a tool for indicative use only. No result from the use of the calculator should be considered a loan application or an offer of a loan. The calculator does not take into account your personal circumstances or any fees and charges or government taxes which may apply. Repayments as a result of this simulation can vary based on your personal circumstances including your credit worthiness. You should discuss your circumstances with your local Hyundai dealer.

Hyundai Finance is a registered trademark of Hyundai Motor Company and is operated under licence by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Finance to approved applicants, subject to suitability. Credit criteria, fees, charges and terms and conditions apply.

The information provided on this website is intended to provide general information only. Hyundai Finance does not provide taxation advice. You should obtain independent taxation advice. Please speak to an independent advisor for any tax-related queries.

This calculator is a tool for indicative use only. No result from the use of the calculator should be considered a loan application or an offer of a loan. The calculator does not take into account your personal circumstances or any fees and charges or government taxes which may apply. Repayments as a result of this simulation can vary based on your personal circumstances including your credit worthiness. You should discuss your circumstances with your local Hyundai dealer.

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