Financing a Vehicle 

Financing a Vehicle involves the purchasing of a vehicle either outright -- meaning with your own money. Or using a bank, credit union or other lender purchase the vehicle

Financing is one of the most common ways to purchase a vehicle. In this process you own the vehicle at the end of your contract. Financing allows you to spread the costs of a car purchase over a long term and to own the vehicle at the conclusion of your loan.

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Pros of Financing 

Financing has some of the following advantages:

  • You own the vehicle for the life of the vehicle.
  • The opportunity to build equity in a vehicle during and after the term of your loan
  • No end of term stipulations like excess ware and tear, mileage penalties and other charges than can come with leasing.
  • No vehicle customization limits or limits on the mileage driven
  • Ability to choose between Vehicle Manufacturer, Banks, Credit Unions, and other lending institutions that offer vehicle loans
  • Competitive rates, terms and pricing as well as longer term financing rates availalble 


Financing a vehicle is good for those that like to own a car long term, want to build equity in a vehicle or want to adjust there financing terms to fit there budget and build equity over time in a vehicle. Financing is Contingent on lender approval

Leasing a Vehicle 

Leasing a vehicle is an option for those that don't mind changing cars every few years, like to operate a vehicle with a new car warranty and upkeep there vehicles

Leasing is a popular option to allow you to drive a new car with a much lower payment then if you were to finance it. Leasing means that you are essentially paying for the amount of time/miles that you use the vehicle and has the added bonus of letting the manufacture of the vehicle take the risk of depreciation in the market

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Pros of Leasing

Leasing is popular for the following reasons:

  • You are "leasing" meaning that someone else owns the vehicle and you are paying only to use it
  • You can pick the number of miles you want, the term you want and usually have lower monthly payments 
  • You can drive a new car every few years, and you don't have to worry about depreciation because at the end of a lease you are not obligated to buy the car
  • Leasing allows you to drive a new car that is under warranty for all or most of the time that you drive it
  • It also allows you to have a lower monthly payment than you would if you were to purchase a car 
  • You also have the option to buy your car out and the end of your lease if you want to keep it for a pre-arranged buyout price


Leasing is popular with those that like a new car, is usually for people who drive less than 15,000 miles per year and gives you low monthly payments and a nice new vehicle to drive.