Finance Center | Twin City Hyundai serving Knoxville TN

Welcome to the Hyundai Loan & Lease Center

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When it Comes to Auto Financing, You Can Trust Our Team Here at Twin City Hyundai, Serving Knoxville, Oak Ridge, Sevierville and Maryville TN

The auto financing process presents you with many options. You can either secure a car loan, or Hyundai lease from any of the vehicles here in our showroom, and throughout that process, we here at Twin City Hyundai are going to help you every step of the way. Our team of auto financing experts will give you all the details and options that relates to the new Hyundai Elantra, Santa Fe Sport, Tucson, Sonata or Santa Fe you may be considering. The same goes for used car models, as well. We're happy to give you the details, and explain everything clearly so you have a full understanding of the terms, and the right number that works for you.

You can even start the process now, by filling out our simple contact form and getting ahold of us. We can then work to find the plan that fits your needs, and when you stop in and speak with us in person, we'll have a head start, and work with you on your schedule. Located in Alcoa, and convenient to the Knoxville, Oak Ridge, Sevierville and Maryville TN areas, we are here to get started today and help you get behind the wheel of a new vehicle soon.

Finance Application

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Get Pre-Qualified

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Value Your Trade

Online Appraisal

Factors to Consider When Financing a New Car

The decision to own a car is often an important one. However, car buyers may find it hard to decide which auto financing they should choose in order to save some money. There are three significant ways of owning a new car; you can buy a car loan, trade-in, or lease a new vehicle.

Buying a car loan is where you make a monthly payment after the first deposit. It has a higher monthly cost that goes for a specific term, at least two years. At the end of the settlement, the car is assigned to you as the new owner.

When a lease is involved, it means a lower monthly payment with no specified payment term. You can pay for a lease for as long as you need the vehicle. You never get to be the legal owner since once you are done with the car, you will return it to a specified dealership.

Trade-in car financing involves getting an appraisal from a dealership. The value of your old car is deducted to pay for a section of your new vehicle. Your car titles will be transferred to the dealership to have legal ownership of the car. However, a driving license, car keys or remotes, vehicle registration, and a print out of trade-in value must be provided for the process to take place.

It is a short process, but some people forget to negotiate the new car's prices and that of a trade-in. Before visiting a dealership, there are tips to put into consideration. They might save you more money. Here are a few but vital tips to put at your fingertips when owning a car.

1. Calculate Costs before Accepting a Financing

Every dealership has a specific option for calculating the total amount and monthly payments of a lease or loan.


Before you get into an auto finance agreement, it is essential for you to fully understand the factors that add up to setting a monthly payment.

Consider using an auto loan calculator to get the actual amount of a loan or a lease. The process will help you plan and save some dollars in the long run.

2. Understand Dealerships Financing

It is crucial to go through and understand the financing a dealer is offering. A dealership can be considered more attractive when large cashback rebates to reduce the total amount of buy after lease or loan.

When dealing with dealership financing, ensure your credit score is positive, with no limited credit experience or low FICO score. Most financing will consider them to select qualifying buyers.

Always visit your nearest new Hyundai dealership to get financing with no need for sacrificing.

3. Get Pre-Approved First

When walking into a car dealership, ensure you have a financing offer from your lender. It guarantees you full coverage of your desired car. Also, you get additional leverage when having a loan coupon in hand. You are considered a cash buyer at the showroom, where you can strongly negotiate for a lower price.

4. Counter Check Your Details

Once negotiation comes to a consensus, review your trade-in contract, car loan, or lease details. Carefully counter check the information for missed out information, ensuring the terms are all in writing. Always counter check the value of your loan or lease by yourself.

Learn More About Leasing a New Hyundai in Alcoa, TN

There's lots to consider when applying for an auto loan here in Alcoa, TN, but it's just as important to consider your options when it comes to leasing a new Hyundai. Luckily, here at Twin City Hyundai we believe that the best kind of shopper is an informed one. That's why we're always here to help you understand the ins-and-outs of Hyundai leasing so that you can get the best possible deal when you shop with us.

When is it a good idea to lease a new Hyundai car?

Leasing a new Hyundai is a strong value proposition for drivers who…

  • Have good credit
  • Don't want to make a sizeable down payment to get behind the wheel of a new car
  • Want to drive a new Hyundai every few years
  • Are interested in driving a better-equipped Hyundai car than they could typically afford to finance with a car loan
  • Want lower monthly payments than they'd see with a car loan

Can I lease any Hyundai car?

Typically, Hyundai leases are only available for new Hyundai models.

Do I have to make a down payment on a new Hyundai lease?

In many cases, you won't have to make a down payment to lease a new Hyundai car. However, if you do opt to make a down payment, it could lower your monthly payments in the long run.

How long do Hyundai leases last?

The majority of Hyundai leases last anywhere from 24 to 48 months?

Can I return my Hyundai lease early?

Yes you can, but there may be some fees for early termination of a lease. However, in some cases, a dealer may buy back leased cars early, so feel free to consult our Hyundai financing team to explore your options.

What do I do at the end of my Hyundai lease?

When you come to our dealership to return your Hyundai lease, you'll have a number of options available to you.

  • You can return your lease and lease a new Hyundai car from our lineup.
  • You can negotiate to extend the lease on your current Hyundai model.
  • You can purchase your leased car outright for the price agreed upon in your initial lease document
  • You can turn over the keys and simply walk away!

Can I lease a new Hyundai car from home?

You absolutely can! As a new Hyundai dealer serving drivers from Alcoa, TN to Maryville, we strive to make it as simple as possible for our guests to lease the Hyundai cars they love, even if they're not able to make it in to our dealership to see us in person. Take advantage of our Twin City At Home program to lease a new Hyundai car online today.

Ready To Learn More?

Shop online and consider your options to get the best deals. Here at Twin City Hyundai, we offer the quality financing opportunities. Our showroom provides various Hyundai cars, SUVs, Vans, and Trucks. Why wait any longer? Visit our dealership in Alcoa, TN to walk out with your favorite model. We can also show you our selection of vehicle incentives. We can also help you schedule a test drive with your preferred automotive option.

We are proud to serve drivers in Knoxville, too.


How Can We Help?

  1. Twin City Hyundai

    3024 Alcoa Highway
    Alcoa, TN 37701

    • Sales: (865) 970-0020
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Get in Touch

  • Contact our Sales Department at: (865) 970-0020
  • Monday9:00AM - 8:00PM
  • Tuesday9:00AM - 8:00PM
  • Wednesday9:00AM - 8:00PM
  • Thursday9:00AM - 8:00PM
  • Friday9:00AM - 8:00PM
  • Saturday9:00AM - 7:00PM
  • SundayClosed