Securing financing is an essential step for most vehicle purchases. Our finance center at Ciocca Nissan is dedicated to upholding the highest industry standards and providing outstanding customer service throughout the finance process. Streamline your car buying process and secure your financing on-site from our dealership for a fast, convenient solution to purchasing your next vehicle.
The Ease of Financing at Ciocca Nissan
gray Nissan Rogue SUV outdoor during nighttime by Matthijs Waanders is licensed with Unsplash License
At Ciocca Nissan, we're dedicating to simplifying the finance process so you can get into a new vehicle with minimal hassle. Our dedicated finance team has the expertise you want on your side when you're navigating the process of purchasing or leasing a vehicle. We take the time to get to know each individual so we can offer tailored suggestions and knowledgeable advice that's appropriate to your situation.
Our finance center is dedicated to providing complete transparency at every step of the process. We'll outline all of your options and help you choose the path that's best suited to your budget and goals. Whether you're purchasing a certified pre-owned Altima or leasing the latest Nissan Armada or Rogue, we can help you execute your plan with ease.
Types of Automotive Financing
There are several types of automotive financing available from Ciocca Nissan. We understand that every customer is different with a unique set of needs. Here are some of the most common options for getting into a new or new-to-you vehicle.
Loans
A loan allows you to purchase a vehicle by making payments over time. Your lender charges interest for the loan and holds the title for your vehicle until all your monthly payments have been made. It's best to provide a down payment when you secure your loan so you'll have a smaller amount to finance. If you have a current vehicle to trade in, you can put this toward your next vehicle and use it as some or all of your down payment.
A loan is a great option when you want to eventually own your vehicle but you don't have the upfront funds to purchase it outright. You can secure a car loan for both new and used vehicles.
Leases
A lease gives you the opportunity to drive a new vehicle for a predetermined period of time. You make a monthly payment that essentially covers the depreciation of the vehicle while you're using it. Leased vehicles are covered by an excellent warranty that pays for routine maintenance and most repairs.
Leasing a new car is a great way to stay in the very latest vehicles that Nissan has to offer without any commitment to long-term ownership and the expenses associated with routine vehicle care. However, leases do have some limitations. You're restricted to a certain amount of miles each year, and you must keep the interior and exterior in good condition with no excessive wear and tear.
Outright Purchases
If you have the funds, you can purchase a new or used vehicle outright using cash money. This is the best option if you can afford it. Paying for a vehicle outright saves you the cost of interest and allows you to own the vehicle in full, so there are no restrictions on how much you can drive it or what condition you need to keep it in.
The Importance of Credit Scores
Your credit score plays a critical role in the financing process. Unless you're purchasing your vehicle outright, your credit score will determine which financing offers you're eligible for. The higher your credit score, the lower your interest rate. A high interest rate can also help you secure a loan or lease with a lower upfront payment.
If your credit score leaves something to be desired, you can take steps to improve it before you apply for a new car loan or lease. Your credit score will improve if you:
-
Pay down the balance on your credit cards and loans.
-
Catch up on any past-due accounts and make all your monthly payments on time.
-
Clear errors from your credit report.
-
Become an authorized user on the credit card of someone with a good score.
-
Avoid applying for new accounts.
Ciocca Nissan is committed to working with all car buyers regardless of their credit situation. We can help you find a suitable financial situation and affordable car for nearly any need.
Why Finance at Ciocca Nissan
Ciocca Nissan simplifies and streamlines the finance process so that you can purchase and finance your next vehicle all in one place. We're connected to several different lenders, so we can offer you a choice of loan offers, unlike a direct lender who will only offer you their own financing plan.
Our finance professionals are committed to providing unparalleled customer service with every interaction. Secure your loan or lease from our dealership and you can drive away with the car of your dreams the same day you find it.
Explore Ciocca Nissan's Inventory
Ciocca Nissan has an extensive inventory of new and used vehicles for you to choose from. You can shop all the latest Nissan vehicles, including the sleek Nissan Altima sedan, powerful Nissan Titan truck, or spacious Nissan Pathfinder SUV. If you're ready to go electric, come experience the Nissan ARIYA or Nissan LEAF.
We also maintain an extensive stock of used vehicles that's continuously rotating to provide you with a fresh selection. We offer used vehicles from Nissan as well as other popular manufacturers like Ford, Kia, Honda, Hyundai, Mitsubishi, and Chrysler. For guaranteed quality, consider our certified pre-owned (CPO) inventory. All Nissan CPO vehicles undergo a 167-point inspection so you can shop with confidence, knowing these vehicles are in excellent condition.
Take the First Steps Toward Your Next Vehicle
Our team at Ciocca Nissan is dedicated to providing a seamless, stress-free path to car ownership. We can connect you to numerous financing options, so you get just what you need for your next lease agreement or car purchase. Contact us today to schedule an appointment with our finance experts so you can take the first steps toward owning your next vehicle.
Categories:
Finance