Finance

Your New and Used Hyundai Finance Experts in Pensacola 

At Allen Turner Hyundai, we offer competitive financing rates and terms on a wide selection of new and used Hyundai trucks, cars, and SUVs, striving to find you the best deal that meets your needs. Check out our finance center so you can prepare for your finance or lease. You can also explore trade-in prices if you’re looking to trade in your existing vehicle. We have experts to guide you from exploring our specials to sharing how to sell your car to a dealership. The Hyundai finance experts at Allen Turner Hyundai are here to help make your car-buying experience as stress-free and straightforward as possible.

Whether you’ve got perfect credit or need to consider credit financing options, or if you’re looking into leasing, we have you covered. Our finance experts will help you understand the comprehensive options offered through Hyundai Motor Finance, including auto-financing rates, gap insurance to protect you from losses, and buying versus leasing. Feel free to contact us with any questions you have at any step in the process, like clarifying how financing works.

As you check into financing options and your budget, explore the latest Hyundai finance specials and lease offers. Check out prices, colors, key features, and financing options for a wide selection of new Hyundais. We also have a wide variety of pre-owned vehicle specials to check out.

Financing Options for Any Credit Situation

We’ll help you find the best financing option for your budget and credit situation, creatively helping you meet your goals. Interest rates and other terms will vary depending on credit scores and debt-to-income ratios, with lower rates available for those with high credit scores.

What To Do if You Have a Low Credit Score

Those with lower credit scores or short credit histories may need to look into subprime financing. Lenders approve such loans with higher interest rates and possibly higher minimum down payments. Subprime financing is usually easier to get for new or late-model pre-owned vehicles with under 100,000 miles. Higher-value vehicles offer more collateral and retain more value over the life of the loan.

Credit scores start at 300 and go up to 850, with scores from 550 to 650 commonly requiring subprime financing. Scores over 700 bring lower interest rates and more financing options. Credit scores are based on criteria, including payment history, percentage of available credit used, and length of credit history. Debt payments should take less than half of your income, with car payments and insurance taking up 20% or less of your income.

Steps To Ensure You Get the Best Financing Terms

• Check your credit scores and review your credit reports. Three main credit-reporting bureaus maintain records, including addresses, employers, open and closed accounts, balances and limits, payment history, and public records like bankruptcies.
• Pay down credit cards since even making a small dent in the percentage of credit used can improve credit scores.
• Keep all monthly payments current.
• Avoid applying for or opening new accounts, as new applications and accounts can lower your credit score.

In addition to keeping track of your credit, review your budget and give yourself a ballpark budget on what you want a monthly payment to be. We will make sure the financing process is transparent and painless. The experts at Allen Turner Hyundai will answer all of your questions and find the best financing offer for you.

Allen Turner Hyundai Financial Center Tools

We can help you in other ways as well:

• We offer an online payment calculator to help you determine how much vehicle you can afford within your budget.
• Whether you’re looking to trade your current vehicle in for a newer one or just want to receive a cash offer for your vehicle, we can provide you with an offer to buy your car. All you need to do is provide us with some basic vehicle information, and you’ll receive an estimate on its value.
• You can even start the process today from the comfort of your own home via our online application for financing.
• Take time to check out our latest offers and incentives to ensure you’re getting the best deal.

Visit Allen Turner Hyundai Today

When you’re ready for a quality new or pre-owned vehicle, contact the knowledgeable and friendly team at Allen Turner Hyundai. Our finance experts will work hard to get you the vehicle you want with financing you can afford. You can reach us at 850-905-5313 or complete our convenient and secure online messaging form. The Allen Turner Hyundai finance team looks forward to working with you.