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Everything You Need To Know About Financing

If you are searching for the right car at the right price you've come to the right place! Our loan experts at DC Motors have over 75 years combined experience to help you make the most educated decision when buying or leasing your next vehicle. You can fast-track the buying process by applying for your car loan right here through our website with our online credit application form. Follow the link provided below and when we receive the application, our knowledgeable staff will look it over and contact you as soon as possible.


Buying vs. Leasing (A Brief Overview)

Now that you have found what you like here on our website, the next step is to decide whether to buy the vehicle or lease the vehicle. We at DC Motors know that for some, buying vs. leasing is a tough decision that you may need some help making. It is important to know the difference between the two options, so here is a brief overview for your consideration.


When you BUY a car, you are paying for the vehicle and you own it until the time comes where you would like to trade it in, pass it off to a family member or sell it on the pre-owned market. If you do decide to BUY the next step usually involves a down payment, applicable sales tax and an auto loan and in which you will pay an interest rate on the balance of the loan. Typically, your first payment is due one month after you sign your contract. This option may fit those who plan to keep their car for a long period of time or plan on putting a significant number of miles on the vehicle.


When you LEASE a vehicle you are paying for the use of the vehicle over the LEASE period. You will often not have to put money down and sales tax will be included in your monthly LEASE payment. Your LEASE payment is will be determined in part on a money factor that is similar to the interest rate on a loan. You will make your first LEASE payment at the time you sign your contract. We also offer open ended leasing which is where the lessee agrees to purchase the vehicle for a predetermined amount at the end of the LEASE term. An open ended LEASE may be an attractive option for a commercial use vehicle.

We hope this is helpful information in helping you determine which option best fits your needs. Our trained finance staff is available to give you further information about leasing or financing your next vehicle.

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