Learn More About Financing and Insurance

Are you looking to finance a Chrysler, Dodge, Jeep or Ram? Financing a vehicle is a great option to buy a vehicle. By choosing to finance a vehicle, you are agreeing to make a monthly payment for a set amount of months.

At our John Johnson Dodge Chrysler Jeep Ram Dealership, we work with different banks and lenders to work towards getting you the most competitive Finance Rates and Loan Terms when buying your Chrysler, Dodge, Jeep or Ram.

Sometimes our dealership will even have special terms such as low percentage rates making your purchase almost as interest free as paying cash!

Typically, financing takes more per month out of your budget than leasing does. This is because unlike a lease you'll still have your car at the end of your finance terms which is is the big reward! Many lenders often offer longer loan periods to help bring down the buyer's monthly payment.

If you are someone who likes a new car every few years, leasing may be the best option for you. Leasing is best described as similar to renting. When you agree to lease a vehicle there is a specified lease term for the amount of time you will have the car. During a lease, the buyer will also have to negotiate a range of miles per year and if the lessee does go over this allotted amount there may be fees & penalties.

When leasing a Chrysler, Dodge, Jeep or Ram vehicle you will still apply for leasing through one of our many banks, credit unions, finance companies or even the vehicle brand financing itself.

A benefit of leasing is that monthly lease payments are typically lower than finance payments. Also many lessees chose to lease because you will not have to worry about selling or trading your car when the lease term is over, you can just return it to our dealership.

The potential downfall of leasing? Some shoppers may chose not to lease due to the fact that once you return your leased vehicle you have no equity left, meaning you will have to start all over again and make the decision to lease or buy another vehicle.

Many shoppers that visit our dealership are in various credit situations. Whether they have no credit, very little credit or bad credit, our Finance Department works hard to try and get everyone approved.

The same goes for leasing and financing, we work with many different banks and private lenders to negotiate specific terms for individuals with less then perfect credit to get them an approval for a Chrysler, Dodge, Jeep or Ram finance loan or lease agreement.