u/The-Fox-Knocks

Sorry, new to the world of car loans. I'm looking at buying an Ioniq 6 and was a little confused on how financing works. If I finance a Hyundai vehicle, is it automatically done through HMF or is their some specific caveats etc.?

Like, by virtue of financing a Hyundai vehicle at a Hyundai dealership, regardless on if it's used or new, is it done with HMF?

I'm interested in this because I know you can buy out your financing deal via HMF without penalty, so if later down the road I decide to go ahead and pay off the vehicle in full, this sounds really appealing.

Thank you.

This is one of those things where I feel it's a stupid question but I honestly don't know.

Let's say I bought a car that has matte paint, but then decided later I wanted to get it done over with traditional non-matte paint. Is doing a paint job on a Matte painted car harder/more expensive?

What about if I wrapped it? Is it harder/more expensive than it was using traditional paint? Or is there no real difference?

Thank you.

I'm so confused by this. I've had a few situations where dealerships were not interested in much negotiating and their car has been on the lot for over a year. This car overall seems to sell like molasses but there's no budging. What gives? Anyone have experience with dealerships on this car? Do they think someone is eventually going to come along and pay sticker price or what?