Have you found a Buick Century that you want to buy? That is great news. Now you will need to determine how you are going to pay for it.
Because the last new Buick Century rolled off the assembly line in 2005, you may be able to still find a new one. This means you can pay new car prices for a loan. And these are usually a lot cheaper than used car loans. Some dealerships are still offering 0%. Also, there are other values with new cars that are offered on new cars like rebates and package savings. So check out all of these options.
Of course, you can also pay cash. Paying cash is the way to go if you can. Most sales people will reduce their price for a cash deal. Plus you don't have to make any payments or pay interest. Wow, that's a win-win situation. If there is a downside to paying cash it is that you have to save up the money, which is not easy for most people.
You may also be able to lease a new Century. Leasing is most advantageous if you have a business. Why? Because if you use the car for business purposes, you can write off the payments every month as part of your business expenses. (If you use your used car for business, you can only write off the interest, or part of it, depending on how you have your business set up.) But use your discrimination: many times leasing sounds good but you end up with nothing at the end of the lease. You do not own the car, although you can most likely begin to buy it at the end of the lease. At the end of the lease, you also will be in need of car. So your choices are buy the car or sign up for another lease. Many people choose the later and end up really paying more for transportation than necessary. The advantage, of course, is that with a lease you are always driving a fairly new car.
For used cars, you really only have two options: you can take out a used car loan or pay cash.
Used vehicle loans seem unfair because you always have to pay a higher interest rate than for a new car. Loans for a used truck, car, SUV or van are usually around 7 or 8% while as we mentioned you can still get some new car loans for 0%.
Before you shop for a loan, there are a number of things you will want to determine. Find out about how much you need to borrow and for how long. You will also need to know the year, make and model of the vehicle, and the engine size and type of transmission. This is all data you will need to pass along to the financer.
Shop for a loan at local banks and credit unions. Find out about the lender's reputation. Compare service and interest rates. Confer with a loan officer in person to find out all of the details.
Click on one of the reputable finance companies below for an accurate, fast and confidential quote. Our people are experts in their field and any of them are happy to give you complete auto finance assistance. Email them, call them on their toll-free line, or have an online chat. They are eager to help you finance your Century so you can happily drive down the road to where you work, where you shop, and where you play.
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