How to Finance a Car: GMC, Buick and Chevy Financing

Couple sitting at sales desk at dealership


There are plenty of exciting models coming to the roads around Oshkosh. While you may have done your research on the model that’s right for you, you may still be wondering about how to finance a car. Our team at Holiday Chevrolet Buick GMC Cadillac is here to demystify the car buying process, so you aren’t left confused at a Fond Du Lac dealership. Learn more about the difference between leasing and financing a car and the key steps to financing a car below. Then, contact our finance team to explore GM finance tips today!

What’s the Difference Between Leasing and Financing a Car?

In simple terms, the difference between leasing and financing a car is ownership. When you lease a vehicle with a dealership like Holiday Chevrolet Buick GMC Cadillac, you don’t own the car – you’re only paying to take it on your Campbellsport commutes for a specified amount of time. Once your lease term ends, you can return it to the dealer for another model that fits your style.

When you decide on a Buick finance deal or Chevy financing, you own the vehicle, whether you buy it outright or you have a car loan. The responsibility for any repairs falls to you, not the dealership.

How Financing a Car Works

Whether you’re looking to upgrade your commute or stretch out in a new family vehicle, learning how to finance a car can protect you from costly surprises and get you back to your Waupun adventures. Here is how financing a car works:

  • Determine how much you want to borrow: If you’ve got your eye on a Buick finance deal or Chevy financing option, it’s a good idea to think about the total amount of money you can spend. On top of the price of the vehicle, you should also consider any associated fees in your budget. Our online payment calculator can help you create a monthly budget plan.
  • Determine the length of the loan: New car loans tend to range from five to six years with longer options available. While a longer loan term can reduce your monthly payments, you’ll end up paying more financing costs down the line. Shorter-term loans make monthly payments higher, however, you’ll end up paying less and they often have zero-percent financing.
  • Don’t stray from your price range: While you may want all the latest features and capabilities, it’s best to select a vehicle that won’t over-extend you financially. Consider what you can handle with the initial down payment, the monthly payments, or the cost of insurance when choosing a Chevy financing deal.
  • Consider all expenses: Do some research into the operating cost of the vehicle you have your eye on. Take a look at the J.D. Power Quality Ratings and see how it compares to other vehicles of its class. Fuel economy and reliability are key factors when shopping for cars as you think about future fuel and maintenance costs.
  • Shop around: While the first dealer you visited may have offered a great GM finance offer, it’s worth looking at other Fond Du Lac-area dealerships and lenders to find the right deal and the interest rate that works best for you.
  • Know your credit history: Don’t let marks on your credit report surprise you at the dealership. Get a copy of your credit score and do what you can to clear any errors or pay down outstanding balances. You can use your credit score to your advantage in the negotiation process.

Finance a New GM Model with Holiday Chevrolet Buick GMC Cadillac!

If you’re interested in GM finance and Buick finance deals, don’t hesitate to contact us at Holiday Chevrolet Buick GMC Cadillac. When you’re ready to spice up your commute, be sure to browse our inventory of new vehicles and explore our model research page.


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321 N Rolling Meadows Dr, Fond Du Lac, WI, 54937
Holiday Chevrolet Buick GMC Cadillac 43.7857, -88.4849.