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Finance Department - Quebedeaux Mitsubishi
Financing at the Dealership - Tucson, Arizona
Though there are benefits to seeking out an auto loan yourself and getting pre-approved before you come to the dealership, letting your dealership salesperson find the lowest and best loan they can is the easiest and most convenient option available to shoppers.
Dealership salespeople are able to quickly shop around for a quote from a variety of lenders, so you don’t have to do all the legwork yourself. Because of their speed, you can go to the dealership and drive off the lot with a new car hours later.
Plus, dealerships have access to a wider variety of lenders a buyer might not know of or be able to contact, meaning that a dealership salesperson maybe be able to find a better loan with smaller payments and a lower interest rate.
Dealerships are incentivized to find you great interest rates because banks usually work out a deal with them to give them a percentage of your interest. Dealership relationships with banks also work in your favor—they may be able to get the same loan for the same term you could get from a bank as a direct loan but with a lower interest rate.
It’s never a bad idea to shop around for a direct loan before going to the dealership, but you should see what the dealership has to offer as well! We can't wait to help you out here at Quebedeaux Mitsubishi in Tucson, Arizona!
When the time comes to add a new car to your life, the first choice you have to make is whether you want to buy new or used. We’ll look at the benefits of each choice to help you decide which option is right for you.
The biggest advantage to buying used is the fact that you can save thousands of dollars off the cost of a brand new car.
Used car buyers also get to choose from whatever make, model, and year they want. If a certain design is no longer in production, you can still get it by choosing something used.
Cars are more dependable than ever. This means that even if a used car doesn’t come with a full warranty, you should still get a lot of life out of it.
Leasing vs. Buying
Drivers interested in getting behind the wheel of a new car have two main options: buying or leasing. Both options have their benefits and drawbacks. Depending on their financial situations, however, some drivers will find one option more appealing than the other. Check out this quick breakdown of both options and determine whether you should buy or lease your next vehicle.
Drivers who choose to buy a car are free to modify it as they see fit. There aren’t any restrictions on interior or exterior changes. They’ll also find that owning a vehicle outright can save money in the long run. There aren’t any mileage limits and drivers can sell the car whenever they want.
On the other side of the coin, drivers who choose to buy will see higher monthly payments and find that they’re responsible for repair costs after the warranty expires. It may also require a higher down payment.
Drivers who choose to lease a car will see lower monthly payments and could forego a down payment altogether. The factory warranty generally covers the car for the duration of the lease contracts as well. Those interested in having access to the latest technology can meet their needs by getting behind the wheel of a new car every few years.
On the downside, drivers don’t own the car and can’t resell it. Mileage limits vary from contract to contract. The contracts themselves can be fairly complicated as well. Over time, leasing a car can be more expensive than owning one. Drivers who terminate a lease contract early will face a costly fee as well.