Finance

Once you’ve found the Acura of your dreams, our team of Acura finance professionals at Motorcars Acura are ready to help you get behind the wheel. Our finance experts will lead you every step of the way through the buying process, helping to ensure that your car buying experience is nothing short of exceptional.

Our knowledgeable finance team works closely with some of the top lenders in our area to secure a loan that’s tailored to fit your budget. We will provide you with the latest finance offers, including lease and finance incentives in order to maximize your savings. Motorcars Acura will present all of your options, helping you decide whether it makes more sense to lease or finance your vehicle.

If you’re interested in leasing, our team can customize a plan that best fits your lifestyle and budget. Should financing be the best option for your situation, we’ll work with our trusted team of lenders to help secure the best rate possible. We have access to special Acura financing programs including College Graduate and Military Appreciation incentives to help you save even more. Looking to save time at the dealership? We invite you to fill out our convenient online finance application to get you driving your new Acura sooner.

Securing Financing is Easy at Motorcars Acura

Step 1: Determine Your Budget

An excellent first step is to determine the amount you would like to borrow based on the monthly payment that best fits your budget. Our helpful payment calculator (please link to Calculate Payments) makes it simple to get an idea of what your car payment will be for either a purchase or lease.

Step 2: Get Pre-Approved

Getting pre-approved online (link to Online Credit Approval) only takes a few minutes and can help speed up the process at the dealership. You are also welcome to complete the credit application in-person at the dealership.

Step 3: Select Your Vehicle

Now that you’ve determined the ideal payment to fit your budget and our finance managers have reviewed your credit application and given you a pre-approval, it’s time for the exciting part. Browse our extensive inventory online from the comfort of your own couch or stop by the dealership to find the Acura which best fits your lifestyle.

Common Financing Questions

Should I buy or lease a vehicle at Motorcars Acura?

When the time comes to replace your current vehicle, you will have the option to buy or lease. Each offers several benefits and advantages, depending on your situation. One benefit of buying an Acura is special financing rates, sometimes as low as 0.9% APR with qualifying credit on a new vehicle. On the other hand, leasing an Acura gives you some additional flexibility. You will be able to choose a different Acura model at the end of your lease should your wants or needs change.

Speak with our friendly staff of finance experts for more information on the benefits of buying or leasing.

Should I finance through the dealership or my bank?

This is one of the most common questions we encounter during the finance process. We have established great relationships with several banks and credit unions, making it easy for us to cater to your individual finance needs. When you finance through the dealership, you could benefit from different incentives. We recommend speaking with our finance team about our specials to ensure you receive the best rate, even if you’ve already secured approval from your bank.

How do I get a low interest rate loan?

Several factors are responsible for determining the interest rate on your vehicle purchase. Things like the type of vehicle you choose, down payment amount, loan term length, and your credit history each have an impact. Often times new vehicle rates are the lowest, although we will work with a number of banks that will compete for your business. Your credit history report includes information on your open accounts, summaries of your current monthly payments, and utilization of credit which can help determine your interest rate. The down payment amount can determine if you qualify for a lower rate and can help get you approved.