Finance Center

Our Financing Process

When you're ready to sit down with one of our dedicated finance professionals, you're one step closer to driving off in your new-to-you ride! Your finance professional will get to know you and your needs and create a deal based on them. They've helped drivers with all kinds of preferences, so they'll know how best to help you.

Once they know what you value most, they'll come up with multiple options and walk you through each one. Then, you can decide and expand on which one best fits you. If you opt for financing, our team has a variety of banks and lenders they'll call on your behalf to lock in a great interest rate!

After your deal has been built and you sign all the necessary paperwork, you'll be ready to head out on your next adventure!

Helpful Website Tools

Remember that we mentioned a streamlined finance process? This will be possible in person, and it's also possible online, thanks to a variety of helpful website tools! You can spend a couple of minutes applying for financing online, which will give our team the chance to work on your deal immediately upon your approval.

If you want to take things up a notch, you can complete the entire buying process online with our online buying tool, Shop. Click. Drive. This allows you to pick a vehicle from any of our inventories, customize your payment, value your trade, check out, schedule delivery, and so much more! The best part is it's available to you 24/7!

Speaking of valuing your trade, if you've got a car you no longer need, go to our Value Your Trade page to see how you can trade in your car. For the most accurate offer, you'll be asked to provide information about your vehicle's condition, title, etc. During an appraisal appointment, we'll confirm your offer, and you can choose how you want to be paid!

Research is key when you're on the hunt for your next ride. Our website is loaded with plenty of vehicle reviews that will offer an in-depth look at what makes each of them special. By accessing this information, you'll arm yourself with even more knowledge, which will help you make the right buying decision.

Preparing Your Car for a Trade

When preparing your older car for trade-in to our dealership, start by removing all personal items and trash. Thoroughly clean both the exterior and interior to create a positive impression or take it to a car wash. It might also be wise to schedule a quick inspection to identify minor issues before the trade-in. These small efforts can add to your car's appeal and potentially improve its value.

Leasing vs Financing: Which Is Better for You?

Before putting together your deal, it's important to know the differences between leasing and financing. While both options offer amazing benefits, some may be more important to you than others.

Leasing

Leasing allows you to get behind the wheel of the latest models immediately. These are equipped with the most up-to-date infotainment technology and safety features as well as offer unmatched comfort and reliability. The expectation is that at the end of a lease, you'll return the vehicle. However, you can buy out your lease at any time.

The biggest draw to leasing for many drivers is that it can be less expensive than financing, as it's considered a rental. In many cases, that means the down payment and monthly payment will be cheaper.

When you lease a car, you enjoy detailed warranty coverage that spans the duration of your lease term to protect your car against major repairs and unexpected breakdowns. This peace-of-mind coverage means you only need to handle routine maintenance, so you can focus on enjoying your vehicle without unexpected repair concerns.

Financing

Financing is an excellent option if you plan to drive your vehicle long-term. Once you complete making your payments, you own the car outright. This can help build equity in your ride, which should help keep its resale value high. It also enables you to build your credit to help you with other future purchases, such as a house or a boat.

Financing doesn't come with a mileage limit like leasing does, so you can drive as many miles as you want. As your car ages, your insurance rates also have the potential to lower.

Purchasing a car opens up endless customization possibilities to express your personality. You can choose paint colors, interior upholstery, wheels, audio systems, and performance parts. During the buying process, by selecting these options, you create a uniquely personalized vehicle that truly matches your style and driving needs.

Turning In Your Lease

Turning in your lease will be streamlined at our dealership. When your lease expires, your vehicle will be thoroughly inspected for wear and tear and mileage overages, and applicable fees-like disposition charges-are assessed. You settle outstanding amounts so that the car meets return conditions, and your lease agreement is completely closed.

Taking Advantage of Vehicle and Service Specials

Experience satisfying deals at our store by taking advantage of our exclusive new and used vehicle specials and exceptional service specials. Make sure you check both of them out before you stop by.

Visit Our Finance Center at Bill Rapp Chevrolet of Ogdensburg Today!

When the time comes to finance your next ride, turn to our finance professionals in the finance center at Bill Rapp Chevrolet of Ogdensburg! We'll help you craft the perfect lease or finance deal for your lifestyle near Ogdensburg, Canton, and Massena, NY. Contact us today to get started with a consultation!

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