Among new cars, trucks, and SUVs and used vehicles alike here in the Florida Panhandle, options are many, from those just over the Pensacola Bay Bridge in Gulf Breeze to those up in Milton and Pace, FL and even out Navarre way, across the 98. You’ve done your research, touring the whole lineup here in Pensacola, FL, from spacious, powerful, tech-savvy sedans like Chrysler 300 and Dodge Charger to dependably rugged SUVs and trucks like Jeep Wrangler and RAM 1500. You’ve even explored choices among certified pre-owned models, with automakers ranging from Chevrolet to Toyota and many of the day’s top names in between. At the end of the day, there was much to consider.
But you took the big step, settling on the model you love here at Hill-Kelly Dodge Chrysler Jeep Ram. Now, you’re wondering whether to go the auto financing route by taking out a new car loan, or to choose a leasing agreement. Suddenly, you’re in uncharted territory again. Don’t worry. though: the finance professionals that call our Pensacola dealership home are here to make figuring things out a little easier.
Say you’re an avid traveler, you have a growing family, you’re budget-savvy, or perhaps just a lover of the automotive cutting edge. Your needs might frequently change along with what you’d prefer in a new model, right? That’d mean you’d have to keep your driving options open instead of buying outright for the long haul. Does this describe you? If so, a lease might be ideal. It’s short-term, with a duration lasting around a few years, and since ownership isn’t your thing, clauses spelling out normal wear and tear, mileage obligations, and lease end responsibilities would apply. Plus, since you’d only be paying down depreciation and not total cost, you can expect down and monthly payments to be lower than with car financing. Once your lease expires, it’s easy to determine what to do next, too. You can, for one, renew it and head off down the highway again, return it to us here on Pensacola Boulevard and take care of any obligations that remain, or put your John Hancock on a brand-new one.
You know what you need in a new vehicle, you know what you like, and you can’t see either changing much. Take out an auto loan conducive to your budget with expert help from our friendly network of trusted lenders, and you can purchase your vehicle outright. The auto finance choice carries with it an annual percentage interest rate, and while these vary, we’ll help you explore which is right for you. Keep up with your costs per month, covering your loan’s full amount over its entire term, and your ride is yours. Though your bottom line, from what you lay down to what you pay monthly, can be a little higher than if you leased, you can sometimes extend your term, and the upshot can be more time to repay as well as a lower monthly out-of-pocket. Perhaps best of all, loans don’t carry any mileage restrictions, and you can customize your drive in any way you like. If this situation sounds preferable, financing your car, truck, or SUV might be ideal.
No matter which fork in the road you take, your decision will be an important one, and we’ll be at your service to help you make sure you don’t second-guess yourself. So, whether you have questions regarding our new car lease process, you’re wondering about a used car loan, or anything in between, don’t hesitate to let us know, whether by phone at (877) 269-3350 or here on the Web. What’s more, if you’d prefer to chat one-on-one, our door’s always open!