Difficult times are forcing automobile dealers to get creative in overcoming buyer resistance. Korean automaker Hyundai has even begun to offer a new type of loan that allows car buyers to return their automobile if they get laid off or are forced to file for bankruptcy.

“A tighter economy means businesses are going to be more innovative in generating sales,” says Tom Warren, GM of a Dallas exotic car sharing club.

“Hyundai has been in the midst of reinventing itself in the American market and they have done very well in changing American consumers’ minds about the quality and desirability of their cars,” says Warren.

Warren notes that some American exotic car buyers are also changing their minds about car ownership. In an era of belt tightening, many affluent consumers are electing to join exotic car sharing clubs rather than purchase an exotic car.

Membership in an exotic car sharing club like DFW Elite Car Club allows for members to experience driving different exotic cars without maintenance, depreciation, or the hassle of finding a place to store an exotic car in Dallas.

Hyundai’s return program, called “Assurance,” gives strapped consumers a way out if they lose their jobs or file for bankruptcy. In addition, the program covers overseas deployment for servicemen and provides protection in case of illness or accident.

The program covers automobile consumers for 12 months following the purchase of their new Hyundai. If the vehicle is in good shape and payments have been made on time, Hyundai owners can walk away from their loan owing no money. In addition, buyers’ credit will be unaffected.

The  is not for everyone, though. Hyundai officials caution that in order to qualify, buyers must provide proof of a layoff or other qualifying event. Simply racking up too much debt or quitting a job does not give buyers the option to return their Hyundai.

The Assurance program covers as much as $7,500 in negative equity on a loan and is available to all buyers.

Kate Miller-Wilson is a freelance writer living in the Twin Cities. Visit her website or email her for information about her freelance writing services.