Hyundai CarPlan

Car finance that puts the choices in your hands.

Choose how you’d like to finance your new Hyundai.

Hyundai CarPlan™ has been developed by Hyundai Finance™ to provide flexibility, letting you enjoy the new Hyundai experience again and again. At the end of your finance contract, you can choose to pay any amounts owing on the contract to keep your Hyundai, return your vehicle to us and use the Guaranteed Future Value [H1] to meet any amount owing under the finance contract, or trade it in at your preferred Hyundai dealer and continue your journey with us.

It’s a smart and flexible way to have the vehicle that’s perfect for you, even as your lifestyle changes. Life’s full of surprises and while you won’t always know what’s around the corner, with Hyundai CarPlan™ you’ll always have the right car for the journey there.

Trade it, retain it or return it. The choice is yours.

How does Hyundai CarPlan work?

Choose the car you want.
Visit a participating Hyundai Dealer and select an eligible new or demonstrator Hyundai[H2] that best suits your lifestyle.
Define your contract.
Choose the deposit you wish to pay, the length of the loan term and the kilometres you will travel each year.[H3]
At the end.
Decide what you want to do with the vehicle at the end of the finance period.[H5]

Calculate your Hyundai CarPlan™ repayments.

Hyundai CarPlan™ provides flexibility at the end of your finance period, to keep, return or trade-in your Hyundai.

Calculate your options

When your contract ends.

It's all about choice. We know that everyone’s lifestyle and situation is different, so we give you three different options to choose from when your contract comes to an end: pay off the balance of your loan contract and keep your Hyundai, trade it in or return it to us and use the Guaranteed Future Value.[H1]

It all depends where you are at that point in your life. Sport, kids, dogs, weekends away, work. Choose what’s right for you and your life. Go bigger, go smaller, stay the same. Get the Hyundai that’s right for you.

Trade it.
Trade in your Hyundai at your preferred Hyundai dealer giving you the chance to step into the latest Hyundai model and continue your journey with us.
Retain it.
Keep your Hyundai by paying any amounts owing on your finance contract or apply through Hyundai Finance™ to refinance the amount owing.[H2]
Return it.
Return your Hyundai to us knowing that the Guaranteed Future Value will be sufficient to repay the amount owing under your finance contract.[H1]

How is Hyundai CarPlan™ different from a typical finance contract?

Greater confidence.
Hyundai CarPlan™ will ensure the the amount you receive when you return your Hyundai is enough to pay the amount owing at the end of your contract term, even if the value of the car is less than the amount owing.[H1]
A personally tailored solution.
You choose the term for your finance contract, the deposit you would like to pay (if any) and the kilometres you intend to travel.[H3]
Greater flexibility.
At the end of the finance contract term, you’ll have the choice to keep your Hyundai, trade it in or return it to us.
More options.
You have the option to include things like Pre-Paid Service Plan,[H6] and accessory costs as part of your finance contract.[H1]

Maintaining your vehicle.

To ensure you enjoy the full benefits of the Hyundai CarPlan™, your Hyundai must be in an acceptable condition when you return or trade it in[H2] and must not exceed the kilometre limit you have selected. Of course, we also understand that some reasonable wear and tear is to be expected, but the condition of your vehicle needs to remain within the provisions of your Hyundai CarPlan™ contract and Fair Wear & Tear Guidelines.

Where the vehicle is not in acceptable condition or where you have exceeded your kilometre limit, the Guaranteed Future Value of your vehicle will be reduced.

Fair Wear and Tear brochure

Is Hyundai Carplan™ right for you?

Hyundai CarPlan™ is just one of many options available from Hyundai Finance™, so there may be another product that suits your individual needs better. Have a chat to your participating Hyundai Dealer about what’s right for you.

Common questions.

To help get you started, we've outlined the answers to key questions when applying for finance.

Guaranteed Future Value (GFV) is the minimum future value of your vehicle at the end of the loan term and is determined by Hyundai Finance™ before the start of your loan. If you choose to return your vehicle or trade it in at the end of the term, you can use the GFV to satisfy the balloon amount on your finance contract.
Once you have chosen your vehicle, you can select either a 36 or 48 loan term and choose how many kilometres you plan to travel within a year. We will then tell you what your GFV is. The GFV will be equal to the balloon amount.
At the end of the loan term, you can choose to return your vehicle to us for the GFV (subject to the GFV terms) or trade it in for another vehicle. If you wish to keep your vehicle and not use the GFV, you can pay out the loan or refinance your loan (subject to credit assessment). It’s your choice and allows flexibility to suit your situation
You must tell us or the dealer of your intention to use the GFV and an inspection of your vehicle will be organised. You will be advised upon completion of the inspection whether the vehicle meets Fair Wear and Tear guidelines, is within contracted kilometres and whether other contractual obligations have been met. If all conditions are met, you return the vehicle to us and the GFV will be used to satisfy the balloon amount under your loan.
If you choose to return your vehicle to us or trade it in at the end of the term and your vehicle does not meet FWT standards, you will be given the opportunity to repair the vehicle at your own cost. Should the vehicle not be repaired to standard, the value of your GFV may be reduced.
The kilometre option cannot be amended once the loan has started (settled).
There is an excess kilometre charge of 10c per kilometre over the contracted kilometres. It is therefore important that you select the most suitable kilometre option before the start of your loan.
If you decide to pay out the loan early (before the end of the term), you cannot use the GFV.
Interest charges are higher for CarPlan™ than for a similar loan and term without a GFV balloon payment. We recommend that you seek independent financial advice to determine if this option is suitable for you.
Yes. The GFV is an option on a loan not a lease. If you decide to return the vehicle at the end of the term, you will essentially be selling the vehicle back to us or our representative.


The Hyundai CarPlan from Hyundai Finance is a feature which ensures you receive the Guaranteed Future Value (determined by Hyundai Finance) at the end of the term of your contract when you return the vehicle or trade it in at a participating Hyundai Dealer in accordance with the terms and conditions. To exercise the feature your vehicle must be inspected and assessed by a participating Hyundai dealer at the end of the term of your finance contract. Adjustments to the value may apply. You receive the Guaranteed Future Value for the car if you exercise the feature at the end of the term and purchase a new or demonstrator Hyundai at the same time. The amount you receive on trade in will satisfy the final repayment, even where the trade in is less than the repayment amount. Available only to approved applicants of Hyundai Finance.™Subject to credit assessment and for consumer applications, responsible lending criteria. Fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. Hyundai Finance™ and Hyundai CarPlan™ are registered trademarks of Hyundai Motor Company used under sublicence by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 Australian credit licence 233714. Hyundai Finance is the registered business name of Hyundai Motor Company Australia Pty Ltd ABN 58 008 995 588.

[H1] The Guaranteed Future Value is not a representation by Hyundai Finance™ as to the likely market value of your vehicle as at the end of your finance contract. If the Guaranteed Future Value applies and the vehicle is not returned in an acceptable condition, as defined in the terms and conditions or exceeds kilometre restrictions, the Guaranteed Future Value will be reduced and you’ll be required to pay the difference. Subject to the Guaranteed Future Value Terms and Conditions (available upon request).

[H2] The feature is available on all new and demonstrator Hyundai vehicles on selected models only. Please verify with your dealership which vehicles are eligible for the programme.

[H3] Please read the full terms and conditions. Please consider whether these products and services are appropriate for your circumstances. Before acting on any of the information, please seek independent tax advice. Full terms and conditions are available upon application.

[H4] Your total interest charged may be higher if you choose the Guaranteed Future Value feature for your loan, compared to a loan without the feature.

[H5] Subject to the Guaranteed Future Value Terms and Conditions (available upon request).

[H6] Pre-Paid Service Plan: Prices shown are RRP and are inclusive of GST.

For scheduled services only, including parts. Does not include wear and tear items: eg, brake pads. Hyundai Pre-Paid Service Plan full terms and conditions.

Only applies to vehicles for which, at the time of sale, services under a Pre-Paid Service Plan are yet to be redeemed in accordance with all Terms and Conditions. For full Terms and Conditions, please download the PDF.