Some advantages of getting a loan
 For our neighbors in places like Kingman and Lake Havasu City, AZ, we recommend a car loan as a very good option at Swanty's Chrysler Dodge Jeep Ram in Bullhead City, AZ. One key benefit is that, as you make your payments with a loan, you're gradually building cash value you can use to buy your next car. In addition, making your car loan payments on time helps raise your credit score.Â
Another longer-term advantage is that, once you complete your car loan and make all the payments, you own the car, truck or SUV. At that point, it's nice to no longer have a monthly car payment. That's a benefit only available with a loan, not a lease. What's more, you can drive all the miles you want. By contrast, a lease has an annual limit on miles, or you pay an excess mileage fee. Finally, your car insurance payments might be lower.
Is there a way to lower my car loan payments?
There are a number of ways. One is to simply shop for a loan with a lower interest rate, which is easier when your credit score is higher. Another way is to make a bigger down payment, so you reduce the amount you're borrowing. The most common way people lower their monthly payment is by getting a longer-term loan. There are some definite downsides to a longer-term loan, however, including a higher interest rate and more loan expense.
Some advantages of a leaseÂ
The biggest reason many people prefer a lease is because the monthly payments are lower than what you'd pay monthly for a car loan on the same vehicle. It's also simpler at the end of the lease. Instead of the time and expense of selling your vehicle, you just drop it off at Swanty's Chrysler Dodge Jeep Ram. You then pay any fees for excess damage or miles and you can lease another new vehicle.
Why fill out the finance application before you visit us?Â
Completing our finance application in advance allows you to find out how much you can qualify for, in terms of a loan or a lease. Buyers from Laughlin and Henderson, NV find it can also save time when you visit our finance center. You don't have to spend time filling out the form and waiting for approval. You can talk with us immediately about how we can help you get the best available loan or lease package.Â
Advantages of dealing with Swanty's Chrysler Dodge Jeep Ram
We're the best source for Chrysler, Dodge, Jeep and Ram vehicles. In fact, Swanty's has the biggest selection of both new and used vehicles in three states: Arizona, California and Nevada. We also offer award-winning service and parts to help keep your vehicle performing at its best. Send us your financing application today and browse our exceptional inventory. Then contact us for a test drive at Swanty's Chrysler Dodge Jeep RamÂ