Auto Financing in Twin Falls
Buying a car in Idaho or Northern Nevada is rarely as simple as writing a check and driving home. Whether through a lease or a loan, most of our customers choose some sort of financial plan in order make a new or used vehicle from Lithia Chrysler Dodge Jeep Ram of Twin Falls attainable. With our team at your side, finding the right financing option for your budget is easy. Our finance experts will take the time to get to know your situation and budget so they can find a payment plan that fits it, regardless of your credit situation.
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Benefits of Car Financing
Customers who intend to hold onto their vehicle for a while should consider a loan. If you plan on driving more than 12,000-13,000 miles a year, or if you plan to drive a vehicle for longer than two or three years, a loan may be your better option.
With a loan, a lender will put forward the money to purchase the vehicle from the dealer. You will then pay back the lender with agreed upon monthly payments and interest. That means monthly payments are usually higher than with a lease, but you can drive as far as you want and hold onto the car as long as you want.
Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle, whether you have good credit or a low credit score.
Should You Lease Your New Car?
A lease is a great choice for drivers who want a brand-new car, but have a lower monthly budget. A lease is similar to rental, but for a longer period -- usually two to three years. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.
The downsides are you won't own the vehicle and you will probably have a yearly mileage limit. However, monthly payments are typically lower because you're only paying for the difference between the value of the car as new and its predicted value at the end of the lease term.
Flexible Credit Options
Lithia Chrysler Dodge Jeep Ram of Twin Falls can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.
Pre-qualifying is fast and simple with our online application. Just take a few minutes to fill in your personal and professional information and submit the form. Our staff will then check your credit and get back to you with options.
Which Car I Can Afford?
You can find out which cars are in your budget with our payment calculator. Enter your desired monthly payments, interest, overall cost of the vehicle, and desired loan duration. Our system will estimate a monthly payment for you. Mix and match numbers and models to find a combination that works for your budget.
Frequently Asked Questions
This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
Ready to begin?
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Lithia Chrysler Dodge Jeep Ram of Twin Falls
1654 Blue Lakes Blvd N
Twin Falls, ID 83301-3368
- Sales: 8666189554
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