Financing & Leasing
Jimmy Britt Chevrolet makes it easy to secure affordable financing or lease terms when you purchase a new or used vehicle. Our finance experts are committed to finding you the best deal, no matter your credit situation. We work closely with trusted financing sources and can help find you a loan with a low rate and flexible terms.
Use our free online appraisal tool to estimate the value of your trade-in, and our online payment calculator can help you find out what you can afford. When you are ready to buy or lease, you can fill out our quick online financing application, and our finance experts at Jimmy Britt Chevrolet will help guide you through the rest of the process.
Finance Department
Buying Vs Leasing a Chevy
Take the stress and hassle out of getting a car loan, and come visit the GMC finance center at our Chevrolet, GMC and dealership near Athens, GA. Our team of Chevy financing experts will work with you whether you have bad, good or no credit. In fact, 100% credit approval is our goal! Our strong network of banks and lenders allows us to find the competitive financing rates you need to buy or lease a new car with confidence. Whether you want to get a quick quote on a new GMC, estimate your monthly car payments or quickly estimate your credit score, we can help you do so at our Chevy finance center. Plus, the Georgia leasing laws have changed to now make leasing a new Chevy or GMC even more affordable. To get the financing process started today, get pre-approved online. We look forward to helping you finance a new or used car soon!
Finance:
Buy The Vehicle Over Time
Considerations for obtaining a loan:
- Vehicle is titled in your name and you own it at the end of contract
- You can sell or trade at any time
- Payments may be higher than leasing
- No limits on mileage, but vehicle value may decline with high mileage
- You choose what to repair and when
- You can change vehicle’s appearance
Lease: Drive The Vehicle For A Period Of Time Then Return It.
Considerations for obtaining a lease:
- Monthly payments often lower than a loan, you pay only for what you use
- Mileage limits apply
- Less likely to need repairs because you drive the vehicle during warranty period
- At end of term, you can get a new vehicle, purchase the vehicle, or turn it in and walk away
- You are charged for excess wear and tear
Pay Cash: Buy The Vehicle Outright.
Instant Trade-In Report
What Can I Afford?
The total cost of the vehicle.
A down payment is an initial, upfront payment you make toward the total cost of the vehicle. Your down payment could be cash, the value of a trade-in, or both. The more you put down, the less you need to borrow. A larger down payment may also reduce your monthly payment and your total cost of financing.
The trade in value is the amount that a dealer is willing to offer you towards the purchase of a new vehicle in exchange for your current one. It’s typically based on the market value of your vehicle (the amount it would sell for on the open market).
Your payoff amount is how much you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt. Your payoff amount is different from your current balance.
Additional down payment in cash.
This is the length of your auto loan, generally expressed in months. A shorter loan term (in which you make monthly payments for fewer months) will reduce your total loan cost. A longer loan can reduce your monthly payment, but you pay more interest over the life of the loan. A longer loan also puts you at risk for negative equity, which is when you owe more on the vehicle than the vehicle is worth.
This is the annual percentage rate, and is not always the same as the interest rate. This represents the annual rate that is charged, and as such, is the actual annual cost to the consumer over the course of the auto loan. The APR will allow you to more easily shop and compare car loans, since it equates all loans to the same annual rate.
Finance Questions?
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