LET OUR EXPERT FINANCE TEAM HELP YOU FIND THE AUTO LOAN OR GMC/BUICK LEASE YOU NEED TO HIT THE ROAD IN CONFIDENCE

Here at Weirs Buick GMC, we take pride in providing one of the best selections of quality cars, SUVs, trucks, and vans in the greater South Portland area. Most of our customers find the perfect vehicle for all their driving needs, with the next step being financing. In general, folks get behind the wheel of a new GMC or Buick vehicle one of two ways: with an auto loan or with a lease. We can't tell you which one is best for your situation, but keep reading on to see the advantages and drawbacks to each, so you can better make your own decision!

WHICH FINANCING OPTION IS RIGHT FOR ME? BUYING WITH A LOAN VS LEASING

There are a few key differences to consider when you're trying to decide whether you should go with an auto loan or a GMC/Buick lease, and each option has advantages and drawbacks, so it really depends on what kind of driver you are and how you'd like to use your vehicle. Below is a simple breakdown of the differences between an auto loan and a lease, and why some folks from Arundel, South Portland, and Scarborough, ME might prefer one over the other. While we're in no position to make this decision for you, you can always give us a call at (877) 861-0070 to speak to one of our financing experts and ask any questions you might have.

Purchasing with a Loan - When you purchase your new models with a loan, there are some key things that differentiate it from leasing:

  • When you purchase with a loan, you own your vehicle! This means you can choose when (and if) to maintain it, how long you'll keep the car, how far you'll drive the car, and you can elect for any customizations you want. If you're ever ready to change rides, purchasing with a loan guarantees you're able to sell the vehicle, too, which is something you can't do when you lease.
  • Purchasing with a loan tends to come with higher monthly payments than leasing, because when you purchase, you're buying the car outright, but when you lease, you're paying only for the amount of depreciation the vehicle experiences while in your possession.
  • The first step to securing a car loan is applying, which you can do by visiting us in person, or you can get a head start by applying for credit online.

The Process of Leasing - Leasing is a little different from buying, but it, too, offers advantages and drawbacks. Only you will know which is the right path for you!

  • When you lease, you take possession of a typically-new vehicle for an agreed-upon length of time. The amount of time you keep the vehicle and the allotted amount of miles you agree to are your lease terms. These terms can include other stipulations, too, such as adhering to the manufacturer's recommended maintenance schedule and not incurring an "excess wear and tear."
  • The biggest advantage to leasing is the fact that you can turn your vehicle back into the dealership at the end of your lease and move right on to something fresher, newer, and better. If you really love your leased vehicle, you can always purchase it at the end of your lease, but if you want something new every couple of years, this is a great option.

Whether you go with a lease or a loan, you've already made a great choice by choosing your car from the GMC lineup or Buick lineup. We can't wait to help you secure the financing to match, so give us a call or stop in for a visit today! 

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Privacy Statement

Introduction
As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.
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