Finance

When you've got your eye on a new or pre owned vehicle. The question is: How can you get yourself behind the wheel? You've come to the right place. Whether you're looking to buy or lease a new vehicle or purchase a pre owned vehicle, or just exploring financing and leasing for the first time, our Finance and Credit department is here to help.

On Your Visit You'll Find

1. A clear explanation of your choices when financing or leasing through the dealer
2. Helpful decision-making tools
3. Tips for keeping your credit record strong
4. A comprehensive glossary of finance terminology and more

Rating Descriptions

1. Excellent I have a long, established positive credit history.
2. Very Good I use my credit wisely and never miss a payment.
3. Good Been pretty responsible with my credit, but have a few late payments.
4. Fair I should have paid closer attention to my credit and paid my bills on time.
5. Poor I have credit issues. Big ones.
6. No Credit I don't have a credit history, but really want a Buick.

The importance of Your Credit Score

Basically, your credit score informs creditors how likely you are to repay your debt.

Because your credit score is such an important aspect of obtaining credit, multiple factors are used to compute your credit score: (Remember the credit rating guide in the Rate Your Credit section?)

1. Past payment history - Have you paid your credit accounts on time?
2. Amounts owed - How much credit you have available vs. how much you owe.
3. Length of credit history - How long have you had your credit accounts?
4. New credit and credit inquiries - Have you recently taken on more debt?
5. Types of credit established - May include credit cards, home mortgages,
and car loans

Check your credit report at each of the three major credit bureaus: