Capitol Hyundai Columbia

U.S. Equity Advantage Bi-Weekly Payment Program

Capitol Hyundai customers are eligible to enroll in a special bi-weekly payment plan that allows you to pay your monthly car payment in equal installments, every 2 weeks.  Customers will have their checking or savings account debited 1/2 their monthly car payment every 2 weeks.  Therefore, instead of making 12 monthly payments you will make 26 half payments each year.  This extra payment will be applied to the principal of your auto loan, thus reducing the term of your loan and the amount of interest paid towards your loan.

Home mortgage companies have been offering bi-weekly payment programs to new and seasoned home owners for many years.  Wachovia Bank, N.A., the fourth largest bank holding company in the United States, will process the automatic draft of your checking or savings account.  Your funds will be deposited in U.S. Equity Advantage's FDIC insured account with Wachovia Bank, N.A. until they are sent to your lien holder on or before your payment due date.

Capitol Hyundai customers will reap the rewards of a few distinct benefits by enrolling in our bi-weekly payment plan.  First, customers will have the convenience of automatic bank debits, which eliminates the worry over missed or late payments.  Customers will have no late fees or damage to their credit profile, as a result of late or missed payments.  Furthermore, customers will reduce the term of their auto loan, which in turn will reduce the amount of interest paid over the life of the loan.  Finally, consumers could see an increase in their credit profile as the result of consistent and on-time payments of their auto loans.

EasyCare Guaranteed Asset Protection (GAP)

GAP (Guaranteed Asset Protection) coverage is the one finance product that every new car buyer should consider investing in when purchasing a new vehicle.  In simple terms, GAP coverage takes care of the "gap" between a low insurance settlement and the actual payoff amount of a auto loan, or lease, when a vehicle is damaged beyond repair. 

For instance, let's assume that you decide to purchase a brand new 2008 Hyundai Santa Fe SE from Capitol Hyundai.  The OTD (out the door) price of this vehicle may be $22,500.  Let's assume that you decide to place $1,500 as a down payment for this vehicle and you finance the remaining balance of $21,000.  Unexpectedly, five months after purchasing your new vehicle, you are involved in an automobile accident which causes Allstate (your insurance company) to declare your vehicle "totaled".  Because your new car is a depreciating asset, Allstate offers you a firm settlement of $18,000 for your 5 month old vehicle.  This leaves you with a "gap" of $3,000 that must be repaid to U.S.Bank to settle your existing car loan.  Easy Care's GAP coverage will pay this difference to your lien holder, including up to $1000 of your insurance deductible, to settle your obligations with your lien holder.

EasyCare Vehicle Service Contract (VSC)

EasyCare vehicle service contracts cover the cost to repair, or replace, defective parts that suffer mechanical or electrical failure after the standard manufacturers warranty expires.  Vehicle service contracts help eliminate unexpected and costly repair costs.  Capitol Hyundai customers can choose from four distinctly different vehicle service contracts from EasyCare to protect their valued investment.  The four categories of warranties are as follows:

TotalCare

TotalCare coverage is the signature product of EasyCare.  TotalCare provides coverage for all mechanical and electrical components of a vehicle, except those parts that are specifically identified in the service contract as not being covered (i.e. maintenance parts such as fuses, wiper blades, air filters, etc.).  TotalCare is the best warranty that EasyCare can provide to a Capitol Hyundai customer.

StatedCare

StatedCare is a premium comprehensive coverage that provides protection against the cost of repairing many of the hi-tech and costly components in todays vehicles.  StatedCare covers the steering; suspension; electrical; temperature controls (heating and cooling systems); and other hi-tech features in a vehicle.

PowerCare

PowerCare offers a similar level of mechanical coverage as most extended powertrain warranties that are offered by some automobile manufacturers.  PowerCare coverage affords you the comfort of an extended warranty that can protect you from the costly repairs to the drive line components of a vehicle.  A great value warranty for the budget conscious consumer.

PrimaryCare

PrimaryCare is a step up from the basic PowerCare level of protection.  In addition to protecting a vehicle from the costly repairs to the drive line components of a vehicle, PrimaryCare also protects some of the other more complex components found in today's vehicle (i.e. heating / cooling systems and fuel systems).

Cal-Tex Protective Coatings (ResistAll)

ResistAll is the leader in professionally applied and warrantied automotive protection products.  ResistAll has a family of products designed to  protect and extend the life of your investment.  ResistAll is applied to the exterior and interior of your vehicle to protect your investment from a host of potentially troublesome worries.  For instance, the exterior of your vehicle will be protected from weather induced fading and loss of gloss, as well from external damage from hard water stains, acid rain, tree sap, bird droppings, and insects.

Furthermore, the interior of your vehicle will be protected from oil and water based stains; damage to your leather or vinyl interiors; as well as extending the life of your vehicle's seating surfaces and carpeted floor mats.  Resistall can greatly increase your vehicle's resale value.  Term coverage can be for 2,3,4,5, or 7 years.  It can be renewed for life, and it is fully transferable from owner to owner.

LoJack Stolen Vehicle Recovery System

LoJack is the worldwide leader in stolen vehicle recovery.  LoJack is the only system that is used by police to recover your stolen vehicle before serious damage can be done to your vehicle.  LoJack simply works in the following manner.  First, the LoJack unit is hidden in your vehicle by a certified technician and the unit is registered in the LoJack database.  Only the certified technician that installed the LoJack knows the location of this device.  Once a customer reports a vehicle theft to the police, the police activate the LoJack unit.  Police computers automatically send radio signals from a radio tower that are detected by the LoJack unit, which in turn emits a uniquely coded signal directly to the police.  The police then track this signal to locate the stolen vehicle, usually within 2 hours, and the stolen vehicle is then returned to the original owner.

Over 90% of stolen vehicles equipped with LoJack are recovered.  Approximately $2 billion in stolen assets have been recovered to date in the United States, while over $4 billion in assets have been recovered worldwide.  Moreover, more than 100,000 vehicles in the United States and 200,000 vehicles worldwide have been recovered using LoJack technologies.  Most vehicles equipped with LoJack are recovered within hours of being reported stolen.

R.O.A.D. InTire Coverage

The R.O.A.D. InTire tire and wheel guarantee protects your vehicle from common road hazards such as metal, nails, potholes, glass, knives, and debris.  Customers with InTire protection are covered nationwide 24hrs-a-day; 7 days-a-week; 365 days-a-year.  InTire protects both the tire and the wheel during the duration of coverage.  InTire protection provides 100% replacement reimbursement coverage with no deductible or hidden fees for: