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Denny Menholt Billings Nissan Blog

Auto Financing 101: Should You Buy, Finance, or Lease Cars for Sale in Billings?

Posted by Jyal Morrow on May 12, 2017 12:01:18 PM

Auto Financing Options Billings MT

Rarely does "buying a car" mean actually buying it.

Unless you can afford to pay the entire price of a vehicle the day you "buy" it (and very few can), you're looking at financing or leasing your vehicle. That means it's not technically yours — yet.

Before you sign any paperwork on cars for sale in Billings MT, you should know exactly what you're getting into.

Read on to learn your three main options for auto financing in Billings (plus our current special offers going on during our Make the Move Sales Event!).

LEARN MORE ABOUT OUR CAR LOANS » 

3 Ways to Pay for Cars for Sale Billings MT

1. Pay in Cash

As we mentioned, the easiest way to buy a vehicle is to simply pay for it up-front.

If you've got the money, you may as well pay in cash. But if you don't — or if you feel your money could be better spent elsewhere — you've got two other financing options to pick from.

2. Get an Auto Loan

For most people, Billings car loans are the way to pay.

An auto loan allows you to delay payment on some or even all of the price of your vehicle. In exchange for this service (and to guarantee you'll pay them back), lenders typically charge interest in the form of APR financing.

But not all do. At Denny Menholt Billings Nissan, we offer 0% APR financing for up to 72 months on new Nissan for sale in Billings.* And right now, you don't have to make any payments for 90 days!

Keep reading to learn our latest auto financing offers on cars for sale in Billings.

3. Sign a Lease

The third (and increasingly popular) option for buying a vehicle is signing a lease.

In a lease agreement, you consent to pay a monthly fee for a set period of time (and a set number of miles) in order to use the car. It's basically like renting an apartment.

The upside is getting to drive a brand-new car. The downside is not having any ownership or equity in the deal.

Still, there are many benefits of leasing a vehicle (here are five). Perhaps that's why so many people are switching to lease agreements. As of January 2015, over 27% of all vehicles were leased — and that number has only gone up.

When you consider the low monthly payments available with lease offers, it's easy to see why.

In fact, right now we're offering lease payments as low as $189 a month on new Nissan cars for sale in Billings. Scroll down to learn more!

CALCULATE YOUR MONTHLY PAYMENT »  

How to Get Good Rates on a Car Loan or Lease

If you've decided to finance or lease your vehicle (as most do), you'll want to make sure you get great rates and terms, so you're not paying any more $$$ than absolutely necessary.

On our blog at Denny Menholt Billings Nissan, we've written plenty of posts for you to reference when buying cars in Billings.

Here are a few of our most popular posts on auto financing:

There's more where those posts came from, too. Click the button below to read more!

SEE ALL POSTS ON AUTO FINANCING »  

Make the Move Sales Event on New Nissan for Sale in Billings

Make the Move Sales Event on New Nissan for Sale in Billings

Okay — the moment you've all been waiting for!

We promised earlier in the post that we'd let you know about our current finance and lease offers on cars for sale in Billings MT...so here goes.

During our Make the Move Sales Event going on now through May 31, 2017, you can enjoy amazing incentives on new Nissan for sale in Montana.

Financing Offers

  • 0% APR for 72 months on seven different Nissan models*
  • 0% APR for 60 months on new 2017 Nissan Titan and Titan XD**
  • No payments for 90 days on new Nissans

Lease Offers

So whether you're looking to finance, lease, or even buy outright, you're sure to find an awesome deal during our Make the Move Sales Event.

But hurry — the event ends May 31! 

SHOP NEW NISSAN VEHICLES ON SALE »

 

*Select models. $13.89 per $1,000 financed. No down payment required. Financing in lieu of factory rebates. Subject to vehicle insurance and availability. With qualified credit. Expires 5/31/17.

**$16.67 per $1,000 financed. No down payment required. Financing in lieu of factory rebates. Subject to vehicle insurance and availability. With qualified credit. Expires 5/31/17.

***36-month, 36,000-mile lease. $2,899 due at signing. Two or more available at this offer. Stock #A6840. Model #22217. VIN #JN8AT2MV8HW021172. Includes all factory rebates to dealer. Plus tax, title, license, and $595 acquisition fee. No security deposit required. Subject to vehicle insurance and availability. With qualified credit. MSRP $25,165. Residual value $14,092. Offer expires 6/5/17.

****36-month, 36,000-mile lease. $2,899 due at signing. Two or more available at this offer. Stock #A6725. Model #13117. VIN #1N4AL3AP0HN304684. Includes all factory rebates to dealer. Plus tax, title, license, and $595 acquisition fee. No security deposit required. Subject to vehicle insurance and availability. With qualified credit. MSRP $24,590. Residual value $12,049. Offer expires 6/5/17.

Topics: Financing Info