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    • Portal about sewerage and downpipes / Septic tanks / Hyundai loan. Credit

    Hyundai loan. Credit

    Hyundai loan. Credit

    The car has long ceased to be only a means of transportation and an opportunity to demonstrate one's social status. Today, a new car from Hyundai is a good investment in the long run. What if at the time of purchase the future car owner does not have enough funds? A special loan program Hyundai Finance comes to the rescue, the main purpose of which is to alleviate the financial burden of the future Hyundai car owner.

    Hyundai Finance is a program of Hyundai Motors CIS LLC, thanks to which motorists can purchase new Hyundai cars on favorable terms. The program was developed jointly with Russian banks and contains special offers for clients.

    Special program for buying Hyundai cars

    Autocentre City South, as an official dealer of Hyundai, cooperates with business partners as part of a special program: LLC Cetelem Bank, LLC Rusfinance Bank and PJSC Sovcombank. Each bank has its own credit program for the purchase of new Hyundai cars. Depending on the purchased Hyundai model and configuration, the loan term, the percentage of the first installment, and the monthly amount payable vary.

    Under the credit program "Hyundai Finance" you can purchase any Hyundai car.

    All cars were produced in 2018/2019. The current rates under the loan agreement, depending on the program, from 7.9%. Loan without down payment. Loan cashback.

    When buying a car enthusiast under the Hyundai Finance program, you need to:

    • Draw up a loan agreement with the bank.
    • Arrange for a car. It is important that the date of execution of the loan agreement is no later than the date of receipt of the car.

    For more information about the policy of financial support in the purchase of a new Hyundai Finance car, please call +7 495 6-600-400 of the lending department.

    Request for a loan

    1 year 2 years 3 years 4 years 5 years

    If you are going to buy a car of the popular Hyundai brand, then you should familiarize yourself with a profitable loan offer - the result of cooperation between a division of the auto concern ( Hyundai Finance, Hyundai Finance) and leading Russian commercial banks.

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    You will be offered to use two options for considering an application for the purchase of a Hyundai car on credit, depending on the provision of a full or reduced package of documents.

    A complete package of documents for a Hyundai Finance loan

    A car loan is available without a credit limit limit for up to 60 months in order to purchase a new Hyundai car. Interest rates under the Hyundai Finance program are as follows:

    • Rusfinance Bank - from 12% per annum with a contribution of 15%
    • VTB 24
    • Raiffeisenbank - from 13% per annum with a contribution of 15%
    • Credit Europe Bank - from 11.5% per annum with a contribution of 10%
    • Sberbank of the Russian Federation - from 10.9% per annum with a contribution of 15%
    • UralSib Bank - from 10% per annum with a contribution of 15%
    • Gazprombank - from 12% per annum with a contribution of 10%

    Credit Hyundai Finance with a reduced package of documents

    There is an option to consider an application for a car loan upon presentation of two documents - a passport and a driver's license. No proof of income is required in this case. The interest rates are as follows:

    • Rusfinance Bank - from 16.5% per annum with a contribution of 15%
    • VTB24 - from 14.5% per annum with a contribution of 25%
    • Raiffeisenbank - from 13% per annum with a contribution of 15%
    • CreditEurope Bank - from 14.9% per annum with a contribution of 10%
    • UralSib Bank - from 10.5% per annum with a contribution of 15%
    • Gazprombank - from 13% per annum with a contribution of 15%

    The term for consideration of the application is up to 5 days, which is really quite a rare occurrence in the framework of such proposals.

    There are special conditions for the purchase of Hyundai crossovers on credit. According to the program, it is possible to purchase cars of this type of body at a preferential interest rate of 5.9% per annum for 2 years. It is possible that this offer applies to cars manufactured in the previous year, and the low interest rate is offset by a discount on the car (often this is the case).

    Hyundai Finance loan valuation

    The conditions of specific Hyundai Finance car loan programs depend on the banks in which the transaction is processed. The lack of information about additional fees makes it impossible to accurately assess the overpayment at the stage of calculating a car loan. Nevertheless, a wide selection of well-known banks allows you to choose the most profitable program for buying Hyundai cars on credit.

    By tag

    START is a financial program with low monthly payments and a guaranteed car buyback. As part of the START, you can choose the PLUS option for which the cost of CASCO and maintenance are included in the monthly payment. START is also available to you with a higher guaranteed residual value.

  • How is START different from a regular loan?

    Monthly payments under the START program are on average 2 times lower than for a regular loan, moreover, when the PLUS option is enabled, each monthly payment will include the payment of the CASCO policy and the passage of MOT, which makes buying and servicing a car much more comfortable.

  • Who needs START and its options?
    • Clients who rationally plan their budget and prefer minimal loan repayments.
    • Clients who choose between an affordable and expensive version of the car, but do not want to increase their loan burden.
    • Clients who do not want to pay the full amount for the CASCO policy every year.
    • Customers who want to undergo regular maintenance, the cost of which is already included in the monthly payments.
    • Customers who are accustomed to keeping up with the times and every three years to change the car to a new and more modern one.
  • What are the low loan payments?

    Part of the loan, namely 50% (residual value), is fixed by the Bank and will not be included in monthly payments. Thus, the Client has the opportunity to operate the car for 3 years without paying all of its cost at once. After 3 years, the Client has a choice of what to do with the car and the balance of the debt. And You also have the opportunity to make a monthly payment by choosing the residual value depending on the mileage:

    • 50% subject to a run of no more than 90 thousand km in 3 years
    • 60% subject to a run of no more than 45 thousand km in 3 years
    • 55% subject to a run of no more than 60 thousand km in 3 years
  • Why is it not necessary to pay for regular maintenance and a CASCO policy under the START program?

    If you have chosen START PLUS, then each monthly payment already includes the fee for the CASCO policy and maintenance. How it works:
    The amount of a 3-year CASCO policy and the passage of three MOTs is divided into 36 months, and the resulting figure is added to the standard monthly payment under the START program.
    It is important to note that they do not charge interest.

  • Are there risks for the Client?

    In order to prevent the Client from facing risks, the guaranteed residual value is fixed in advance in the contract, i.e. the minimum amount that the Client can receive when selling a car to a Dealer under the START program. This amount is sufficient to repay the loan, while this is only the minimum cost. The actual cost will depend on the technical condition of the car and market conditions, it will be called by the Dealer when evaluating the car.

  • What benefits does the client receive?
    • Comfortable monthly payments - 2 times lower compared to a regular loan.
    • There is no need to pay a significant amount for a CASCO policy at a time.
    • The passage of one MOT per year is already included in the monthly payment.
    • Regular vehicle updates.
    • A more expensive version of the car without a significant impact on the payment.
    • Residual value guarantee.
    • Several loan repayment options to choose from.
  • What to do with the car after three years?

    The Client has three options:

    • Upgrade your car to a new Hyundai by selling the car to the Dealer, and use the proceeds from the sale to repay the current loan and as a contribution for the new car.
    • Continue using your car by paying off the loan using your own funds or by extending the loan for another 2 years.
    • Return the car to the Bank at a guaranteed minimum residual value and close the loan debt.
  • What if after 3 years the car will cost less than 50%?

    The average market value of a used Solaris is about 85% of the price of a new one. But even if it happens that the situation on the market changes dramatically, the Client has a guaranteed residual value of 50%, within which the car will be purchased and the loan, respectively, will be repaid. In addition, it is possible to extend the loan for another 2 years.

  • What are the conditions for obtaining a guaranteed residual value?
    • Mileage no more than 90,000 km in 3 years with a residual value of 50%; no more than 60,000 km in 3 years with a residual value of 55%; no more than 45,000 km in 3 years with a residual value of 60%.
    • Passage of scheduled maintenance at the official Dealer.
    • Qualitative condition of the car corresponding to the age of the car and normal operating conditions Positive credit history in the Bank.
    • The onset of the 36th payment (not earlier).
    • Upgrading the car to a new Hyundai.
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    Deciphering the financial proposal

    • The payment is calculated under the Hyundai Start program based on the price of Hyundai Solaris (1.4 6MT Active) 739,000 rubles. 2019 production under the terms of the Hyundai Finance Special loan product: loan term 36 months, interest rate 14.8% per annum, initial payment 332,800 rubles, loan amount 406,200 rubles. Residual payment (part of the cost of the car payable at the end term of the loan) - 50% of the price of the vehicle at the time of purchase. It is obligatory to issue a CASCO policy for the entire term of the loan in insurance companies that meet the requirements of the Bank. The loan is provided by PJSC Sovcombank General license of the Bank of Russia No. 963 dated December 05, 2014. The offer is valid from 08/01/2019 to 08/31/2019, is not an offer. The conditions may be changed by the Bank unilaterally. Detailed lending conditions on the website www.sovcombank.ru.
    • The payment is calculated under the Hyundai Start program based on the price of Hyundai Creta (1.6 6MT 2WD Start) 957,000 rubles. 2018 production under the terms of the Hyundai Finance Special loan product: loan term 36 months, interest rate 14.8% per annum, initial payment 451,800 rubles, loan amount 505,200 rubles. Residual payment (part of the cost of the car payable at the end term of the loan) - 50% of the price of the vehicle at the time of purchase. It is obligatory to issue a CASCO policy for the entire term of the loan in insurance companies that meet the requirements of the Bank. The tariff plan provides for financial protection of the loan. The loan is provided by PJSC Sovcombank General license of the Bank of Russia No. 963 dated December 05, 2014. The offer is valid from 08/01/2019 to 08/31/2019, is not an offer. The conditions may be changed by the Bank unilaterally. Detailed lending conditions on the website www.sovcombank.ru.
    • The payment is calculated under the Hyundai Start program based on the price of Hyundai New Elantra (1.6 6МТ Start) RUB 1,049,000, manufactured in 2019, on the terms of the Hyundai Finance Special loan product: loan term 36 months, interest rate 14.8% per annum, initial installment 480,200 rubles, loan amount 568,800 rubles. Residual payment (part of the cost of the car payable at the end of the loan term) - 50% of the price of the vehicle at the time of purchase. It is obligatory to issue a CASCO policy for the entire term of the loan in insurance companies that meet the requirements of the Bank. The loan is provided by PJSC Sovcombank General license of the Bank of Russia No. 963 dated December 05, 2014. The offer is valid from 08/01/2019 to 08/31/2019, is not an offer. The conditions may be changed by the Bank unilaterally. Detailed lending conditions on the website www.sovcombank.ru
    • The payment is calculated under the Hyundai Start program based on the price of Hyundai Sonata (Primary 2.0 MPI 6AT) RUB 1,344,000, manufactured in 2019 on the terms of the Hyundai Finance Special loan product: loan term 36 months, interest rate 13.8% per annum, down payment 639 700 rubles, loan amount 704,300 rubles. Residual payment (part of the cost of the car payable at the end of the loan term) - 50% of the price of the vehicle at the time of purchase. It is obligatory to issue a CASCO policy for the entire term of the loan in insurance companies that meet the requirements of the Bank. The tariff plan provides for financial protection of the loan. The loan is provided by PJSC Sovcombank General license of the Bank of Russia No. 963 dated December 05, 2014. The offer is valid from 08/01/2019 to 08/31/2019, is not an offer. The conditions may be changed by the Bank unilaterally. Detailed lending conditions on the website www.sovcombank.ru
    • The payment is calculated under the Hyundai Start program based on the price of Hyundai Tucson (Primary 2.0l 6MT 2WD) RUB 1,499,000, manufactured in 2018 on the terms of the Hyundai Finance Special loan product: loan term 36 months, interest rate 14.8% per annum, initial installment 732,700 rubles, loan amount 766,300 rubles. Residual payment (part of the cost of the car payable at the end of the loan term) - 50% of the price of the vehicle at the time of purchase. It is obligatory to issue a CASCO policy for the entire term of the loan in insurance companies that meet the requirements of the Bank. The loan is provided by PJSC Sovcombank General license of the Bank of Russia No. 963 dated December 05, 2014. The offer is valid from 08/01/2019 to 08/31/2019, is not an offer. The conditions may be changed by the Bank unilaterally. Detailed lending conditions on the website www.sovcombank.ru
    • The payment is calculated under the Hyundai Start program based on the price of Hyundai Santa Fe (Family 2.4l 6AT 4WD) RUB 2,099,000, manufactured in 2019 on the terms of the Hyundai Finance Special loan product: loan term 36 months, interest rate 14.8% per annum, down payment 1,024,000 rubles, loan amount 1,078,000 rubles. Residual payment (part of the cost of the car payable at the end of the loan term) - 50% of the price of the vehicle at the time of purchase. It is obligatory to issue a CASCO policy for the entire term of the loan in insurance companies that meet the requirements of the Bank. The loan is provided by PJSC Sovcombank General license of the Bank of Russia No. 963 dated December 05, 2014. The offer is valid from 08/01/2019 to 08/31/2019, is not an offer. The conditions may be changed by the Bank unilaterally. Detailed lending conditions on the website www.sovcombank.ru
    • The payment is calculated under the Hyundai Start program based on the price of Hyundai H-1 (Active 2.5 CRDi WGT 6MT) RUB 2,129,000, manufactured in 2019 on the terms of the Hyundai Finance Special loan product: loan term 36 months, interest rate 14.8% per annum, down payment 1,044,400 rubles, loan amount 1,084,600 rubles. Residual payment (part of the cost of the car payable at the end of the loan term) - 50% of the price of the vehicle at the time of purchase. It is obligatory to issue a CASCO policy for the entire term of the loan in insurance companies that meet the requirements of the Bank. The loan is provided by PJSC Sovcombank General license of the Bank of Russia No. 963 dated December 05, 2014. The offer is valid from 08/01/2019 to 08/31/2019, is not an offer. The conditions may be changed by the Bank unilaterally. Detailed lending conditions on the website www.sovcombank.ru

    Hyundai Finance and START program (Cetelem Bank LLC, Rusfinancebank LLC, Sovcombank):

    *Offer applies to the START program for Solaris, Elantra, Sonata, Santa Fe, Tucson vehicles. The offer applies to the START PLUS program for Creta vehicles. The offer applies to the Hyundai Finance program for H-1 vehicles. When life insurance is included, the rate is reduced by 3%. A loan with a zero down payment is available through Rusfinance Bank and Sovcombank.

    START program with increased guaranteed residual value for Solaris, Elantra, Sonata, Tucson, Santa Fe (Sovcombank):

    *When life insurance is included, the interest rate is reduced by 3%. The condition is valid when applying for life insurance at the following rates: Sovcombank: Tariff 3.5% LLC Insurance Company "Consent-Vita". For details of the program, check with the lending department.

    Hyundai Finance and START car loan program at the Base Rate (Cetelem Bank LLC, Rusfinancebank LLC, Sovcombank):


    *The "Basic Fare" offer is available for all new Hyundai vehicles. The offer applies to all Terms and Conditions; it is valid when applying for life insurance at the following rates: Rusfinance Bank 3.5% and Cetelem Bank 3.48%.


    What exactly do we offer

    In the issue of car loans, two key points are profit and reliability:

    • Benefit: The specialists of the salon "Avtorus" together with representatives of the leading banks of the market develop and constantly improve special car loan programs for their clients. These are the most favorable interest rates and flexible tariff plans (loans from 12 to 60 months, including the provision of finance without confirmation of employment and with minimal documents).
    • Reliability: we cooperate only with trusted and reliable banks that have earned their reputation over the years and proved it in practice.


    Another important factor is efficiency in issuing loans. The banks with which we cooperate consider applications for the provision of finance in the shortest possible time.

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