Finance a New or Pre-Owned Vehicle at North County Kia in Escondido
With so many amazing choices to choose from, you have many great vehicles to consider when shopping our Kia inventory. Whether you are in the market for a pre-owned SUV that will last the test of time or a brand-new ride to sport around town, we've got you covered. It's never a matter of whether you will find something you'll love but how you will pay for it so you can bring it home. Here is what you need to know about car leases and loans.
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Should I Get a Car Loan?
Opting for a car loan at a dealership essentially means that you will be buying your vehicle. Our experienced finance department will find a suitable lender so that you can pay your vehicle off in monthly installments. Once you finish paying it off, you won't have to worry about any additional fees outside of maintenance and insurance. The vehicle will be all yours to keep, sell, or gift to a loved one. If you have a change of heart about your purchase before or after your term ends, you can always trade it in for something a little more special.
While the long-term benefits of car loans are well worth it, prepare to pay several upfront expenses. Depending on the vehicle cost, your credit score, and various other factors, you might have to pay a down payment sum and taxes, along with your monthly note. You will also be responsible for your registration costs and car insurance. Most of those sums are only one-time fees, though.
There aren't nearly as many rules when purchasing a car from a reputable shop near Carlsbad. You are free to customize and drive it around Temecula as much as you want. Please remember that it is up to you to keep up with the maintenance and wear and tear.
What Can I Gain from Leasing?
If you're the type of driver that loves an upgrade from time to time, consider leasing your next ride. Leasing only requires you to stay with the same vehicle for a couple of years or so before having the option to switch it out for something new. You won't be bothered with resale worries, nor will you be stuck with something that is no longer your style. Not to mention, this route tends to be much cheaper as you are acting as a renter, not a buyer. In most cases, you can count on a lower down payment and cheaper monthly installments, allowing you to sport a higher-priced vehicle at a discounted rate.
There are a few more things to love about leasing from a dealership near Oceanside, CA, like the possibility of free oil changes and maintenance services. With these benefits written into your lease, you can keep your car in stellar shape without digging into your savings. You will, however, be responsible for replacing your tires as needed and taking care of preventable damages. Like apartment leasing, you won't be able to make any permanent changes to the vehicle, such as tinting, painting, or switching out the accommodations.
Also, if you are a fan of long road trips, leasing might not be such a great idea. If you need to keep the vehicle fresh and appealing to the next driver, you can only drive a certain number of miles. Depending on your lease, this amount will usually fall between 12,000 to 15,000. If you end up going over your limit, you will get charged for every extra mile until your term ends.
Financing your next vehicle has never been easier. With great rates in Escondido and our eager team of experts, you are sure to find your fit in record time. Reach out to North County Kia to drive off in something new and special.
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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North County Kia
1501 Auto Parkway Escondido
SW
Escondido, CA 92029
- Sales: 760-742-6022
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