Buying a vehicle shouldn't feel out of reach just because you don't have cash upfront. At Pacifico Hyundai, we work with a wide network of lenders to help Philadelphia-area drivers explore zero down financing options that fit real-world budgets - not ideal scenarios. Get Pre-Qualified now!

If you're shopping with little to no money down, our finance team can help you understand what's possible, what affects approval, and which Hyundai models may qualify - all before you step into the showroom.

HOW ZERO DOWN FINANCING WORKS

Zero down financing means you may be able to purchase or lease a vehicle without an upfront cash payment at signing. Approval depends on several factors, including:

• Credit profile and history

• Income and employment stability

• Vehicle selection and loan structure

• Current incentives or lender programs

Our role is to match you with the best available option, not force a one-size-fits-all solution.

WHY SHOP ZERO DOWN AT PACIFICO HYUNDAI

Philadelphia drivers choose Pacifico Hyundai because we focus on transparency, speed, and real outcomes.

• Access to multiple local and national lenders

• Experience working with first-time buyers and budget-focused shoppers

• Clear explanations - no pressure, no confusion

• Convenient online tools to start before you visit

Whether you're commuting through Center City, heading down I-95, or driving out to Delaware County, we'll help structure a deal that makes sense for your daily life.

VEHICLES THAT MAY QUALIFY

Zero down options may be available on a variety of new and pre-owned Hyundai models, depending on current programs and approval criteria. Popular choices often include:

• Hyundai Elantra
  
  
• Hyundai Sonata
  
  
• Hyundai Tucson
  
  
• Hyundai Santa Fe
  
  
• Certified Pre-Owned Hyundai models

Availability changes frequently, so the fastest way to see what you qualify for is to begin the process online.

START WITH CONFIDENCE

The easiest way to move forward is to complete our instant pre-qualification process. It allows our team to review your information securely and contact you with realistic options - without obligation.

From there, we'll guide you step-by-step, answer your questions, and help you decide what works best for you.

Frequently Asked Questions About Zero Down Financing

Can I really buy a car with zero money down?
In some cases, yes. Zero down financing depends on approval factors like credit history, income, and vehicle eligibility. Our team helps determine what options are available to you.

Does zero down financing require perfect credit?
Not necessarily. While stronger credit can open more options, we work with a range of lenders and review each situation individually.

Are zero down offers available on used vehicles?
They can be. Certain pre-owned and certified vehicles may qualify depending on lender guidelines and vehicle condition.

Will zero down financing increase my monthly payment?
In some cases, yes. A lower upfront cost can affect monthly payments. We'll walk through the numbers so there are no surprises.

How long does the approval process take?
Many customers receive feedback quickly after completing the instant pre-qualified form. Timing depends on lender response and verification needs.

Do I have to visit the dealership to get started?
No. You can begin online, review your options, and decide when you're ready to come in.