South Pacific Auto Sales
5040 Pacific Blvd SWAlbany,OR97321Sales: (541)928-2447
- Service: (888) 219-7567
- Parts: (541)924-1163
Financing
Welcome to South Pacific Auto Sales's Finance Department, your auto loan resource. At South Pacific Auto we specialize in helping customers with not so perfect credit get into a vehicle.
South Pacific Auto has 18 years of experience in helping credit challenged
customers, there is not another dealer in the Willamette Valley that can make
that claim, but then again that may be the #1 reason why most customers that
have been turned down elsewhere drive home a vehicle from South Pacific Auto. Click here to fill out our finance application to get pre-approved.
South Pacific Auto also has low interest loans available for customers with good credit, so no matter what your current credit situation is, we can help you.
Financing Navigation
Contact Information
- South Pacific Auto Sales
-
5040 Pacific Blvd SW
Albany, OR 97321 -
- workSales:
- (541)928-2447
- serviceService:
- (888) 219-7567
- partsParts:
- (541)924-1163
pause
Tip!
Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.
Tip!
Owning a lease vehicle is possible if purchased outright after the lease period ends.
A typical lease period runs between 24 and 48 months.
Tip!
Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.
Tip!
Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.
Tip!
Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.
Tip!
Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.
Tip!
Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.
If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.