You find yourself looking into getting a new vehicle. You are looking at different options and doing the research to find a vehicle that fits with your needs, but you know that is just the beginning. A vehicle is a large purchase, and somehow, you have to find an option that fits with both your needs and your budget. We know that may not seem easy, and it may even seem overwhelming at times, and that is why we are here. 

At Granite Subaru, we not only have a great selection of new and used vehicles, we also have a Finance Center to help you get the financing you need for that new vehicle. Below, you can learn about financing at Granite Subaru and how to get started. We look forward to helping you drive away in the vehicle of your dreams.

Financing at Granite Subaru

Now that you've decided to buy a vehicle, you will need to find the financing for it. A car, truck, or SUV is a big purchase, and most people do not have that kind of cash around to just buy it. That means they need a car loan to help them purchase the vehicle.

When thinking about a car loan, there are several things to consider. You will want to consider the monthly payment, down payment, interest rate, and loan term. Many car loan terms are around five years. You pay a down payment for your car, and then a monthly payment each month with interest. The higher the interest rate, the more you pay over time for the vehicle. Also, if you are able to pay a larger down payment, that could save you money on interest over the loan term.

Ultimately, you have to find a monthly payment that fits in your budget, so the amount you can afford to pay monthly will impact the cost of the vehicle that you can afford or the length of the loan term.

Interest rate is another thing to think about, and your interest rate will be impacted by your credit score. Those with a higher credit score will be able to get a lower interest rate, but those with not as good credit may be paying more in interest.

How Financing Works at Granite Subaru

You may be wondering how financing works or how to get started with financing with us. Below are a few steps in getting started with the process, but at any time, you can reach out to us and discuss the next right step for you.

1. Get Pre-Qualified - One great place to start is our online finance application. This is an application you can fill out ahead of time from the comfort of your own home. It can give you an idea of where you are in terms of financing and the payments per month that you will qualify for, as well as the interest rate. This is not something that is necessarily the final offer, but it is a good idea to get you started. 
2. Do Your Research - The next phase of this process can be doing some research. Now that you have a preliminary financing option, you can look into other financing options. You can also do some research about the vehicles you may want to purchase to see if those may fit with your payments. Doing research when it comes to a vehicle purchase is important because it is a large, important purchase. We have a Subaru Research Center where you can look at different models to see what fits best with your needs and your lifestyle. 
3. Test Drive Vehicles - Once you have some vehicles you are interested in, a great way to narrow it down is to actually go out and test drive those vehicles. You can stop by Granite Subaru and we are happy to help you out with some test drives. This is an important step of the process because you want to be sure the vehicle drives like you expect and you enjoy the experience overall. It is one thing to research a vehicle, but driving it is another thing entirely, so it is important that you take some time to do that for the vehicles you are interested in. 
4. Finalize Your Options - Once you have the vehicle you know you want to get, you can work with our finance team to finalize that financing. We can get a loan contract drawn up that will show the payments and interest rate and loan term. We can hopefully find something that fits with your needs and your budget.

This is just one path to getting the financing you need. Many people like to pre-qualify for financing online through our finance application, but you can also give us a call or stop by and see us. We can talk to you about your options and what fits with your budget when it comes to your car payments, or if you already have a vehicle in mind, we can do what we can to get financing to fit with that dream vehicle.

Reach out to us or fill out the online finance application to get started.

Should You Lease or Buy a Vehicle?

Often when people think of getting a vehicle, they think of the need for a car loan to purchase their next vehicle. This is a great option for many, but we also offer the option for a vehicle lease at Granite Subaru.

You can think of a vehicle lease like a long-term car rental. Most people lease a vehicle for 2-3 years, and they pay rent payments, but when their lease is over, they return that vehicle to the dealership. Leasing can be a great option for many people because it is a shorter commitment than buying a vehicle, and you can get lower monthly payments when leasing a vehicle versus buying. Also, if you don't have your credit score quite as high as you would like it to be, a lease could be a great option for you. You can lease a vehicle for less money, and it can help you build up your credit score to get even better financing options in the future.

Whether you want to buy or lease, you can find an option at Granite Subaru. If you have questions about which option is right for you, you can reach out to us, and our finance experts would be happy to answer any questions you may have.

Why Finance Here?

We've talked quite a bit about financing your vehicle, but you may be wondering why to finance with Granite Subaru. There are several reasons to choose us and finance here. Check out a few of these key reasons below.

• Our Staff is Here for You - We are always working for you to help you find the best financing solution to fit with your needs. We take each individual on a case by case basis, so we are willing to work with you, even if you don't have the best credit score. We want to help you find the vehicle you need for your lifestyle and the financing that fits with your life. We will treat you like a human and help come up with a solution that meets your needs. 
• We Keep Things Simple - At Granite Subaru, we want to keep things simple for you. We want to easily help you find an option that works for it. The simplicity starts with our online finance application. You can fill out this application online from the comfort of your own home to get an idea of what you will qualify for when it comes to financing. This is just one way we like to keep things simple for you. 
• We Offer a Great Vehicle Inventory - Another reason to finance with us is we have a great inventory of vehicles for you to choose from. We will have plenty of options to help you get the vehicle of your dreams whether you want a new vehicle or used vehicle, and when you finance with us, it is a one-stop-shop to finding a vehicle and getting the financing you need. 
• We Have Specials for You - Looking for a great deal? Ask our staff about any special deals we may have going on. We often have new and used vehicle specials to help you with car buying costs or even interest rates. Reach out to our staff to learn more!

At Granite Subaru, we have staff working for you and your finance needs. We have a finance center and finance experts that are working for you. We can help you find the best deal for you whether it is a car loan or a car lease. We are a one-stop-shop with great vehicles, as well as great financing all in one space! We even offer a great service department for any ongoing maintenance you will need once you have had your vehicle for a while.

Reach out to us at Granite Subaru for any questions you may have!

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