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Hyundai Payments: What You Need To Know

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Hyundai Motor Finance allows customers to make payments online, by phone, or by mail, in addition to using in-person third-party services like Western Union or MoneyGram. 
If you need to make a Hyundai payment and don’t know how, we’ve got you covered with a rundown of all the options. And if you’re considering a Hyundai
car loan
or lease, we’ll go over average monthly payments for most of the automaker’s best-selling 2022 models to help you estimate your costs. 

How to pay your Hyundai car bill

If you need to make Hyundai payments, you’ve got access to a number of easy options to pay online, by phone, by mail, or even in person through third-party services. 

Online

You can set up automatic monthly payments or make a one-time payment through your online Hyundai Motor Finance account. Log in
here
or download the
autopay enrollment form
to get started with regular payments.  

By phone

Another easy way to make payments is to call Hyundai’s automated service phone number at (866) 498-4455—or, to pay with a live representative, call (866) 644-1350. Be ready to provide your HMF and bank account information and pay a convenience fee: $3.95 for the automated line and $7.95 for live service. 

By mail

If you’re old school, you can write a check to Hyundai Motor Finance and send it to one of the addresses in the table below. Be sure to write your account number on the check, and keep in mind that Hyundai won’t accept post-dated payments. 
Payment type
Mailing address
Retail (regular)
Hyundai Motor Finance
P.O. Box 650805
Dallas, TX 75265-0805
Retail (overnight)
Hyundai Motor Finance
Box 650805
1501 North Plano Rd., Suite 100
Richardson, TX, 75081
Lease (regular)
Hyundai Motor Finance
Box 650805
1501 North Plano Rd., Suite 100
Richardson, TX, 75081
Lease (overnight)
Hyundai Motor Finance
Box 660891
1501 North Plano Rd., Suite 100
Richardson, TX, 75081
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In person

You can’t make Hyundai payments in person at a dealership, but you can use a third-party service like Western Union or MoneyGram to pay your car bill in person. At a Western Union location, use city code “Hyundai” and state code “CA” and pay to “Hyundai Motor Finance.” To pay your bill through MoneyGram, you’ll need the following information: 
  • Company: Hyundai
  • Use code: 3814
  • Receive code: 3814
Both Western Union and MoneyGram will charge convenience fees, but this is the only way to pay your Hyundai bill using cash or a credit or debit card, so the added expense could be worth it. Call 800-634-3422 to get directions to a Western Union location open today near you or 800-666-3947 for a MoneyGram location. 

Can I make my Hyundai payments with a credit card?

Not unless you’re paying through a third-party service. The only way to make your Hyundai payments online is through your bank account. 

Is there a grace period for Hyundai car payments?

Hyundai has a grace period of seven to 15 days for
late loan payments
. If you know in advance that you’re likely to have trouble making a payment, eligible customers can request a one-month payment deferment through their HMF account. 

How much are Hyundai payments?

Hyundai vehicles are known for being affordable, which means you can expect lower-than-average payments if you’re buying or leasing a new vehicle from Hyundai. Starting MSRP for new Hyundai vehicles ranges from $16,645 for the Hyundai Accent to $42,745 for the all-electric IONIQ 5 SUV. 
Check out the table below for pricing information and
average loan payments
for Hyundai’s best-selling models. The averages shown below are based on the base trim for that model with a 10% down payment, a 72-month loan term, and an estimated interest rate of 4.90% (the average for new car buyers with credit scores between 661 and 780). Depending on your own profile, you could have a different payment. 
Model
MSRP range
Average monthly payment
$16,645 – $19,600 
$280
$20,200 – $33,650
$337
2023 Hyundai Elantra Hybrid
$24,400 – $29,000
$403
$21,300 – $34,200
$354
$33,600 – $48,990
$557
$24,440 – $40,170
$405
$27,700 – $43,110
$477
2022 Hyundai Santa Fe Hybrid
$34,300 – $40,710
$568
$24,500 – $34,400
$397
$27,350 – $35,700
$454
$24,950 – $38,050
$422
2022 Hyundai Tucson Hybrid
$24,950 – $38,050
$500
$19,000 – $22,250
$323
The exact amount of your Hyundai payment depends on a wide range of factors, from your vehicle price and the size of your down payment to your credit score,
trade-in value
, loan term, and special incentives. For instance, a loan with a
72-month term
will come with lower payments than an 84-month loan, and used vehicles typically come with higher
APRs
than new-car loans.  
MORE: The best midsize Hyundai cars
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FAQs

Hyundai Capital generally requires a credit score of at least 650 for an auto loan or lease.
Although your interest rate for any auto loan is based primarily on your credit score, Hyundai offers interest rates as low as 0% on most new vehicles for eligible customers with excellent credit.
Not sure which Hyundai to test drive at the dealership? Hyundai’s lineup is full of strengths, and every driver’s needs are different—but the
subcompact Kona SUV
and the
uber-affordable Accent sedan
are two of the automaker’s standout offerings.
Reviewed by Jessica Barrett.
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