2025 Hyundai Palisade Loan Calculator
Financing a 2025 Hyundai Palisade involves a three-row V6 SUV whose trim range climbs from the practical SE to the leather-lined Calligraphy.
- MSRP range
- $36,800–$52,000
- EPA MPG
- 19 city / 26 hwy
- Typical prime APR
- 6.5%
- Body type
- suv
Financing a Hyundai Palisade
Typical price and what buyers finance
The 2025 Palisade is priced from roughly $36,800 for the SE up to about $52,000 for the Calligraphy. The mid-level SEL is the volume seller, while the rugged-styled XRT and the upscale Limited and Calligraphy account for buyers who want more equipment.
Many buyers finance an SEL or Limited in the low- to mid-$40,000s, so the financed amount usually sits below the top of the range once a down payment or trade-in is factored in.
Loan terms and monthly payments
Loans on three-row SUVs such as the Palisade commonly run 60 to 72 months, with 84-month terms available on pricier trims through some lenders. Choosing 72 months instead of 60 reduces the monthly payment on the same loan amount.
A longer term means more interest paid overall, because principal is repaid more slowly. Buyers weighing a lower payment against total cost should compare both figures before settling on a term.
APR by credit tier and down payment
For 2025 new-car loans, prime and excellent-credit borrowers (720+) typically see APRs near 6 to 7 percent, with the Palisade's reference rate around 6.5 percent. Good-credit applicants (660-719) often see 9 to 11 percent, and subprime borrowers (under 660) commonly face 13 to 15 percent or more.
A down payment of about 10 to 20 percent lowers both the balance financed and the monthly payment, and helps keep the loan from going underwater early in the term.
Cost of ownership
The Palisade's V6 is EPA-rated at 19 mpg city and 26 mpg highway, comparable to rivals in the gas three-row class. Hyundai backs the SUV with a long powertrain warranty, and the model has a generally favorable reliability and resale outlook, while insurance premiums tend to track other mainstream family three-row SUVs.
Since APRs differ from one lender to the next, comparing offers from multiple lenders, such as through a marketplace like LendingTree, can help buyers secure a competitive rate.
Cost-of-ownership notes
- Top Calligraphy trim delivers a near-luxury cabin well under premium-brand pricing.
- Hyundai's lengthy powertrain warranty reduces repair risk during the loan.
- V6-only lineup means fuel costs typical of a large SUV.
- Resale is solid and improving, though it trails the Telluride in some markets.
Frequently asked questions
What is a typical monthly payment on a Palisade? +
The payment depends on price, term, down payment, and APR. A roughly $42,000 SEL financed over 72 months near the reference rate of 6.5 percent results in a payment in the high-$600s to low-$700s before taxes and fees. A larger down payment or shorter term changes that figure.
Does Hyundai's warranty affect financing a Palisade? +
The warranty does not change your loan terms directly, but Hyundai's long powertrain coverage can reduce the risk of major repair costs during the loan. That can make budgeting more predictable, especially on a longer 72-month term.
How much down payment is recommended for a Palisade? +
Around 10 to 20 percent of the purchase price is a common guideline, which is roughly $4,000 to $8,400 on a low- to mid-$40,000s Palisade. A down payment in this range lowers your payment and helps you avoid negative equity.
What APR can I expect with average credit? +
Borrowers with good credit between 660 and 719 typically see rates around 9 to 11 percent on a 2025 new-car loan. Buyers with scores of 720 or higher generally qualify for rates closer to 6.5 percent.
Which Palisade trim is most commonly financed? +
The SEL is the volume trim because it balances price and equipment, while the Limited appeals to buyers wanting more features. Both typically fall in the low- to mid-$40,000s, below the Calligraphy at the top of the range.
Compare similar vehicles
Estimates only, not financial advice. MSRP and fuel-economy figures are approximate; confirm current pricing and specifications with the manufacturer.