Finance Center
Finance or Lease your Next New Vehicle at Country Club Motors in Oneonta
When it comes to purchasing a new vehicle, you’ll inevitably reach the point where you need to figure out how you want to pay for it. At our dealership near Walton, NY, we’re happy to help you through this process! Our finance team is knowledgeable on all aspects of the buying process and can walk you through buying, auto financing and whether a lease is the right option for your needs.
Apply For FinancingAuto Financing with Country Club Motors
When buying a vehicle, the cost of your new Chevrolet, or GMC vehicle might be covered by three different options:
- Cash Purchase
- Auto Financing
- Trade-In
Trade-in value is based on what your current vehicle is worth if you are looking to use the value of your current vehicle to help fund the new purchase. You can also use any money you had set aside to help cover the cost. In most situations, however, you might end up financing the bulk of the purchase with an auto loan. In the case of a loan, the lender will typically hold the title until you pay it off. Once that is done, you’ll own the vehicle free and clear. Lenders are usually banks, credit unions or finance companies and you’ll be required to pay down the principal loan plus interest in a series of monthly payments. Auto loan terms typically last from a few years all the way up to seven or eight.
Purchasing a car is a very popular way to obtain and, if you can afford the higher monthly payments that tend to go along with owning over leasing, we are happy to help you find an auto loan that helps you get behind the wheel.
Lease Your Next New Chevrolet, or GMC Vehicle near Delhi, NY
In some instances, financing your car might not be the right decision to make. You might not drive every day, or you might be looking to find a monthly budget that costs a little bit less. If that’s the case, leasing is the way to go! A lease is a form of payment where you don’t pay for the entire car but rather, you pay for the depreciation of the vehicle plus fees and interest. In some instances, you might have to put a down payment to start the process, but this amount will typically be less than what you would put down for a vehicle you buy outright.
Leasing a vehicle for your daily commute in Cooperstown can have some benefits that will greatly help you. These include:
- Lower Monthly Payments
- Warranty Coverage and Maintenance- A lease term is usually a couple years which means that the vehicle stays under the warranty of the manufacturer. You will be able to cover routine maintenances under this and save yourself money in the long run.
- Ease of Trade-In- A lease term means you will bring your lease back to the dealership after a short period to upgrade. At this point, you can choose to either just trade it in or you can upgrade to a different model. Your options aren’t just limited to staying with the same vehicle.
- Latest Technology- By upgrading your Chevy, or GMC vehicle every couple years, you can experience all the latest infotainment, convenience and safety features that each new model year brings.
Which Option is Better for You?
Leasing or financing can be a tough decision to make. But, at Country Club Motors near Sidney, NY, we work with you to find a way to make your new purchase affordable and something you love. Even if your credit history isn’t the greatest, we still encourage you to get in touch with us about your potential financing options. We look forward to helping you get the process started and put you in the driver’s seat of your favorite model.