What to do when a Hyundai Capital America account holder dies
Contact Hyundai Capital America — 5-step process, 3 required documents, and hyundai capital america does not publish a fixed timeline for updating a deceased customer's account. payoff quotes and account updates are handled through the servicing brand's customer service once the death certificate and estate documents are received.
Hyundai Motor Finance Customer Service
Phone1-800-523-4030
Mailing Address
General correspondence: Hyundai Motor Finance, PO Box 20829, Fountain Valley, CA 92728. Payments: Hyundai Motor Finance, PO Box 650805, Dallas, TX 75265-0805 (write the account number on the check).
Kia Finance America Customer Service
Hyundai Capital America (corporate)
WebsiteLearn more→
Hyundai Motor Finance Customer Service
Phone1-800-523-4030
Mailing Address
General correspondence: Hyundai Motor Finance, PO Box 20829, Fountain Valley, CA 92728. Payments: Hyundai Motor Finance, PO Box 650805, Dallas, TX 75265-0805 (write the account number on the check).
Kia Finance America Customer Service
Hyundai Capital America (corporate)
WebsiteLearn more→
Servicing Brand Customer Service (Deceased Account Holder)
Phone1-800-523-4030
Mailing Address
Hyundai Motor Finance, PO Box 20829, Fountain Valley, CA 92728 (general correspondence; call the servicing brand to confirm where to send a death certificate and estate documents). Hyundai vehicles: 1-800-523-4030. Kia vehicles: 1-866-331-5632. Genesis vehicles: Genesis Finance.
Kia Finance America
Verified Jul 2026
When a Hyundai Capital America account holder passes away, the next step depends on how the auto loans were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Hyundai Capital America's Servicing Brand Customer Service (Deceased Account Holder) (1-800-523-4030) to access and distribute the funds.
Before contacting Hyundai Capital America, have the account holder's full name, date of birth, and any available account numbers ready. A certified death certificate is required to initiate the claim.
Death claim process
The death claim process at Hyundai Capital America works as follows:
Filing a claim
1
Identify which Hyundai Capital America brand services the account and notify it that an account holder (borrower or lessee) has died. Hyundai vehicles are financed through Hyundai Motor Finance (1-800-523-4030), Kia vehicles through Kia Finance America (1-866-331-5632), and Genesis vehicles through Genesis Finance. Ask how the account should be handled and where to send the death certificate and estate documents.
2
Provide the documents the finance company needs to update the account:
- A copy of the death certificate
- Documentation of the executor or personal representative of the estate, if there is a probate estate (for example, Letters Testamentary or Letters of Administration from the probate court)
- The account number for the loan or lease
3
Keep the account current while the estate is being settled. An auto loan or lease continues to accrue; missed payments can lead to repossession of the financed vehicle or default on the lease.
4
Request the payoff amount and choose how to resolve the account:
- For a loan: request a payoff quote (available by logging in to the account or by phone), then pay off the balance from estate funds, life insurance, or the proceeds of a sale; once the lien is satisfied the finance company releases the title so the vehicle can be retitled through the estate
- For a loan: an heir who wants to keep the vehicle can refinance the balance in their own name
- For a lease: return the vehicle through the lease-end process, or exercise the purchase option in the lease to buy it out
- Sell the vehicle and use the proceeds to pay the balance
- Surrender or return the vehicle to the finance company if the estate does not intend to keep it
5
If the borrower purchased Guaranteed Asset Protection (GAP) or optional credit life coverage when financing the vehicle, check the original contract to see whether it applies. GAP may help cover the difference if the vehicle is a total loss and the primary insurance pays less than the amount owed; credit life, if purchased, may pay off some or all of the balance on the borrower's death.
Required Documents
- Copy of the death certificate
- Documentation of the executor or personal representative of the estate, if applicable (Letters Testamentary or Letters of Administration)
- The loan or lease account number
What to know at this institution
An auto loan and an auto lease are debts, not assets — neither carries a payable-on-death or beneficiary designation. Because the finance company holds a lien on a financed vehicle's title, the title is released to the estate only after the loan balance is paid; the vehicle can then be retitled to an heir or sold. A lease is owned by the finance company, so the estate returns the vehicle at lease-end or buys it out at the contract purchase option. Hyundai Capital America's public sites do not publish a dedicated deceased-customer claim form or a separate estate-documents mailing address, so a survivor calls the servicing brand to report the death, confirm the current address for estate documents, and send a self-drafted notification with the death certificate and estate paperwork (user-drafted). The Hyundai Motor Finance general correspondence address is PO Box 20829, Fountain Valley, CA 92728.
Prepare your letter of instruction to Hyundai Capital America
Hyundai Capital America accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Hyundai Capital America's verified claims department, with the documents it requires enclosed.
Build your letter of instructionExpected timelines at Hyundai Capital America: Hyundai Capital America does not publish a fixed timeline for updating a deceased customer's account. Payoff quotes and account updates are handled through the servicing brand's customer service once the death certificate and estate documents are received. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Hyundai Capital America requires Copy of the death certificate, Documentation of the executor or personal representative of the estate, if applicable (Letters Testamentary or Letters of Administration), and The loan or lease account number to process a death claim. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
All three brands are Hyundai Capital America, Inc., the captive auto lender for the Hyundai Motor Group. Hyundai vehicles are financed through Hyundai Motor Finance (1-800-523-4030), Kia vehicles through Kia Finance America, formerly Kia Motors Finance (1-866-331-5632), and Genesis vehicles through Genesis Finance. Call the brand shown on the account statement or financing contract to report a death and handle the account.
An auto loan or lease does not disappear when the borrower or lessee dies; it becomes an obligation of the estate. Notify the servicing brand — Hyundai Motor Finance at 1-800-523-4030, Kia Finance America at 1-866-331-5632, or Genesis Finance — provide a copy of the death certificate and, where there is a probate estate, documentation of the executor or personal representative. The estate then resolves the account through payoff, refinance, sale, lease return, or surrender of the vehicle.
No. A vehicle loan and a vehicle lease are debts, not assets, so there is no payable-on-death or beneficiary designation. When the borrower or lessee dies, the obligation becomes part of the estate. The estate resolves a loan by paying it off, refinancing, or selling the vehicle, and resolves a lease by returning the vehicle at lease-end or buying it out at the contract purchase option.
Because the finance company owns the leased vehicle, the estate can return the vehicle through the lease-end process or exercise the purchase option in the lease to buy it out. Any remaining lease obligation, excess-wear charges, or excess-mileage charges are a debt of the estate. Contact the servicing brand — Hyundai Motor Finance at 1-800-523-4030 or Kia Finance America at 1-866-331-5632 — to arrange the return or buyout.
Hyundai Capital America's public sites do not publish a separate deceased-account or estate-documents address, so call the servicing brand to report the death and confirm where to send the death certificate and executor documentation. The Hyundai Motor Finance general correspondence address is PO Box 20829, Fountain Valley, CA 92728. Include the loan or lease account number so documents can be matched to the account.
When financing a Hyundai, Kia, or Genesis, some borrowers buy optional protection products at the dealership, such as Guaranteed Asset Protection (GAP) or credit life insurance. GAP may help cover the shortfall if the vehicle is declared a total loss and the primary insurance pays less than what is owed. Credit life, if purchased, may pay off some or all of the balance on the borrower's death. Whether any such product applies depends on what was purchased; check the original financing contract or call the servicing brand to confirm what is on the account.
Hyundai Capital America's Servicing Brand Customer Service (Deceased Account Holder) can be reached by phone at 1-800-523-4030 for questions throughout the claims process.
Sources
Data sourced from Hyundai Capital America primary sources (6 pages reviewed). How we research.
Hyundai Motor Finance Customer Service
Phone1-800-523-4030
Mailing Address
General correspondence: Hyundai Motor Finance, PO Box 20829, Fountain Valley, CA 92728. Payments: Hyundai Motor Finance, PO Box 650805, Dallas, TX 75265-0805 (write the account number on the check).
Kia Finance America Customer Service
Hyundai Capital America (corporate)
WebsiteLearn more→
Hyundai Motor Finance Customer Service
Phone1-800-523-4030
Mailing Address
General correspondence: Hyundai Motor Finance, PO Box 20829, Fountain Valley, CA 92728. Payments: Hyundai Motor Finance, PO Box 650805, Dallas, TX 75265-0805 (write the account number on the check).
Kia Finance America Customer Service
Hyundai Capital America (corporate)
WebsiteLearn more→
Servicing Brand Customer Service (Deceased Account Holder)
Phone1-800-523-4030
Mailing Address
Hyundai Motor Finance, PO Box 20829, Fountain Valley, CA 92728 (general correspondence; call the servicing brand to confirm where to send a death certificate and estate documents). Hyundai vehicles: 1-800-523-4030. Kia vehicles: 1-866-331-5632. Genesis vehicles: Genesis Finance.
Kia Finance America
Verified Jul 2026
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