Financing with Our Dealership

Bay Hyundai takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Competitive Rates

No Hassle Credit Checks

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Should You Lease Your New Bay Hyundai Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Bay Hyundai can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

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Your privacy is important to us.

Bay Hyundai takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

FADA Recommendations: Consumer Lawsuits Relative to Websites

FADA is aware that an individual in South Florida has filed numerous suits claiming that the chat feature on a dealer's website violates Florida's Security of Communications Act (section 934.01). The basis of the claim is that chat users are not informed that their chat may be recorded/maintained by the dealer. While our lawyers do not believe this violates Florida law and have moved to dismiss many of these suits, there is an easy way to protect against these types of claims. If you use a third-party vendor they undoubtedly place a link to their terms and conditions in the chat box. Our lawyers believe this is sufficient to meet any disclosure requirements. However, in an abundance of caution, FADA suggests that you add the following type of disclaimer to your chat box:

"We use software that enables you to have a conversation with us via our website. Chats or texts on the website may be monitored, stored, and/or shared as described in our privacy policy/terms of use. By utilizing chat or text features on our website, you agree to the terms and conditions contained in our privacy policy/terms of use."

Latest CDK Updates




  • As ComplyAuto has discussed on several occasions, the CDK cyber incident could trigger, among other duties, the obligation for affected dealers to notify the FTC regarding the incident under the federal Safeguards Rule. Yesterday, it was announced that the FTC and CDK have agreed that should CDK's internal investigation reveal that a notice is required, that CDK will issue one omnibus notice to the FTC covering the incident, and that notice would relieve each CDK dealer's obligation to independently notify the FTC. Indeed, according to NADA, the FTC has stated that "dealers have no obligation to file a breach notification with the FTC related to this matter." Read more about what this means for dealers here.


  • FADA Associate Member Forvis Mazars brings dealers a list of action items to consider as dealerships prepares to return to the CDK environment. Find the list here.
  1. Bay Hyundai

    641 W. 15th Street
    Panama City, FL 32401

    • Sales: 8507851591
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Get in Touch

  • Contact our Sales Department at: 8507851591
  • Monday9:00am - 7:00pm
  • Tuesday9:00am - 7:00pm
  • Wednesday9:00am - 7:00pm
  • Thursday9:00am - 7:00pm
  • Friday9:00am - 7:00pm
  • Saturday9:00am - 7:00pm
  • SundayClosed