Lol at all of the 1 star reviews--yes, if you miss a payment, it wil affect your credit score. This is how credit works. Set it up on auto-pay and you won't have any issues! We got a fixed 0.99 apr loan for 60 months, which is almost interest free and inflation increases higher than the interest on this loan so it was a great deal. The application process happened at the dealer, and we took the loan because it was a lower interest by 2 percentage points than the offer we walked in with from a credit union for the same amount.
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My 4th or maybe 5th Hyundai without an issue. Dealer encouraged me to end my lease early and trade. WHAT A NIGHTMARE! Cost me thousands. Was not informed by Hyundai Finance that I was responsible for old lease until car went to auction!!! This required me to pay lease on both cars for over a month. Think over that proposal. If HMF decided to wait 5-6 months to send car to auction, they would make a fortune. Traded down from fully loaded Sonata to Elantra for an overall savings of $35/month. My fault, I know. I went alone as my husband had died and he always handled things with me. I now have three years to regret my old-lady foolishness. Loved my Hyundai's but will never, ever deal with them again.