Finance Made Simple at North Star Chevrolet Buick GMC
At North Star Chevrolet Buick GMC, we believe buying and financing your next vehicle should be simple, transparent, and stress-free. Our knowledgeable team is here to guide you through every step of the process, helping you find the right vehicle and financing solution that fits your needs. Whether you're purchasing your first vehicle, upgrading to something new, or exploring leasing options, we're committed to making your experience straightforward and enjoyable.
A Team Focused on You
When you visit North Star Chevrolet Buick GMC, you'll work with a team that communicates every step of the way. From selecting the right vehicle to reviewing financing and leasing options, our goal is to make the process as smooth and efficient as possible. Our experienced sales and finance team works together to ensure you receive consistent information, personalized recommendations, and outstanding customer service.
Why Finance with North Star?
✔ Personalized Financing Solutions
Every customer is different. We take the time to understand your budget and lifestyle to help find financing or leasing options that work best for you.
✔ Competitive Rates
We work with a network of trusted financial institutions to help secure competitive rates and flexible payment options.
✔ Simple & Transparent Process
We believe in clear communication with no surprises. Our team will walk you through your options, explain the details, and answer any questions along the way.
✔ Financing for Every Situation
Whether you have excellent credit, are rebuilding your credit, or are buying your first vehicle, we're here to help explore financing options that fit your circumstances.
✔ A Friendly, No-Pressure Experience
Buying a vehicle should be exciting. Our team is committed to providing a relaxed, customer-focused environment where you can make informed decisions with confidence.
Financing Made Easy
Our finance specialists are here to make the approval process as simple as possible. We work with a variety of lenders to provide financing and leasing solutions for new and pre-owned vehicles, helping you drive away with confidence.
To save time at the dealership, you can even complete our secure online credit application before your visit.
Why Customers Choose North Star Chevrolet Buick GMC
By bringing together our sales, leasing, and finance teams, North Star Chevrolet Buick GMC provides a seamless, transparent, and personalized vehicle-buying experience. From finding the right vehicle to securing the right financing solution, our knowledgeable team is here to guide you every step of the way—no confusion, no pressure, just friendly, straightforward service. Visit North Star Chevrolet Buick GMC today and let our team help you find the vehicle—and financing solution—that's right for you.
WEIGH YOUR OPTIONS
So, you've watched the Leasing Video, and now you may be wondering "Is it better to lease or finance a new car?" There isn’t a clear-cut answer, because each scenario has its own set of pros and cons and honestly, it really comes down to your lifestyle and how you prefer to pay for things.
Let’s compare financing with leasing in a little more detail:
FINANCE
OWNERSHIP
The vehicle is titled in your name, and you own the vehicle free and clear after the terms of your purchase finance agreement are fulfilled.
DOWN PAYMENT
The down payment amount is typically used to tailor the monthly payments over the term of the finance contract. There are generally no additional fees at the time of delivery.
KILOMETER LIMITS
No contractual limits on kilometers apply, however vehicle resale values generally decrease as more kilometers are added.
MAINTENANCE & WEAR
You can change the appearance of the vehicle, and select which repairs to make, subject to the terms of the purchase finance agreement.
MONTHLY PAYMENTS
Monthly payments may be higher than leasing the same vehicle, as the full value of the vehicle is paid over the term of the contract.
LEASE
OWNERSHIP
The vehicle is titled in GM’s name, and at the end of term, you have the option to purchase the vehicle or turn it in and lease a new vehicle.
DOWN PAYMENT
The down payment amount is typically used to tailor the monthly payments over the term of the lease contract. It should be noted that there are additional fees at delivery including the 1st payment, G.S.T., and any additional fees related to the contract.
KILOMETER LIMITS
Kilometer limits (typically 20,000 or 24,000 yearly) apply as per your lease agreement, and charges may be applied if these limits are exceeded.
MAINTENANCE & WEAR
You are required to service the vehicle as per GM’s maintenance schedule and cannot make any changes to the vehicle’s appearance.
MONTHLY PAYMENTS
Monthly payments may be lower than financing the same vehicle, since you only pay for the value of the vehicle during the term of the lease.
TAX WRITE-OFF FOR BUSINESS OWNERS
We have seen more and more businesses leasing vehicles to enjoy tax benefits. It should be noted that the vehicle must be leased under the company name in order to enjoy a 100% tax write-off of the monthly payment up to between $900 & $950. We recommend you speak to your accountant to see if your company could benefit from leasing its next vehicle.
To recap, leasing makes it easier to get more car for less money, as you only pay for the use of the vehicle for two or three years, instead of paying for the vehicle itself. Financing, on the other hand, frees you from the restrictions involved in leasing, such as mileage caps, and the vehicle is yours to do with as you wish.
WE MAKE IT EASY
North Star Chevrolet Buick GMC offers simple financing and leasing solutions to help you get on the road faster. Our experts are here to answer all of your questions to help guide you in choosing the solution that best suits you, your family and your lifestyle. We also uniquely tailor our finance and lease packages to your needs in order to give you the lowest possible interest rates.
Whatever your needs, our team is here to help you get into the vehicle of your dreams.
SECOND CHANCE CREDIT
At North Star Chevrolet Buick GMC, we understand that unforeseen circumstances can happen to anyone. Sometimes, your credit rating doesn’t tell the whole story. No matter what you’ve experienced, from missed credit card payments to previous bankruptcy, North Star Chevrolet Buick GMC can offer you a fresh start and help you get approved for a loan. Our financial advisors are experts in finding 2nd and 3rd chance credit solutions and they will take the time to listen to your exact needs. Our plans make it as simple as possible to get behind the wheel of a new vehicle and to improve your credit at the same time. Start an online application today and find out what North Star Chevrolet Buick GMC can do for you.