Hyundai/Kia have employed the "%" financing strategy from the beginning. It's effective in moving the metal. How they integrate/manage that strategy into their profit structure would be interesting to read about. Does Korean production subsidize US production?
Toyota Canada is a distributor. They operate different than the US company and call their own shots so you see a completely different financing strategy from that of the US. Captive financing is part of their profit structure.
yea, i have found that Hyundai/Kia focus more on pricing their cars properly from the get go, and offering decent finance rates...other brands seem to use things like "Family Pricing" and other marketing gimmicks where they lower the prices of their vehicles to where they really should have been priced in the first place in order to move them...of course, they often ding you with a high interest rate when there is cash on the hood too.
Kia/Hyundai seem to better understand "value", not only in terms of equipment offered, but in terms of pricing and finance rates.