Financing with Our Dealership

Kinley Chevrolet takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Competitive Rates

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Should You Lease Your New Kinley Chevrolet Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Kinley Chevrolet can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

  1. Kinley Chevrolet

    1001 E. Main St.
    Mount Joy, PA 17552

    • Sales: (877) 396-1103
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Get in Touch

  • Contact our Sales Department at: (877) 396-1103
  • Monday9:00 am - 5:00 pm
  • Tuesday9:00 am - 5:00 pm
  • Wednesday9:00 am - 5:00 pm
  • Thursday9:00 am - 5:00 pm
  • Friday9:00 am - 5:00 pm
  • SaturdayClosed
  • SundayClosed

Visit Our Finance Center

When it comes to purchasing a Chevrolet vehicle, financing plays a pivotal role in transforming your dream car into a reality. At our dealership, we understand the significance of securing the right financing option tailored to your unique needs.

Financing Options

At our dealership, we understand that different drivers have different preferences, financial situations, and needs. That's why we offer purchasing and leasing options, allowing you to choose the path that best aligns with your circumstances and plans.

Purchasing: Purchasing a Chevrolet offers you the opportunity to own your vehicle outright. Through financing, you can spread the cost over a period of time, making it more manageable for your budget. Our dealership provides competitive interest rates and flexible loan terms to cater to your financial capabilities.

Additionally, purchasing a Chevrolet means you have full ownership rights. You can customize and modify the vehicle to your liking without the limitations often associated with leasing. As you make payments, you're building equity in the vehicle, which can be advantageous if you plan to keep it for the long term.

Leasing: Leasing a Chevrolet is an appealing option for those who enjoy driving a new vehicle every few years and prefer lower monthly payments. Leases typically come with lower down payments and lower monthly costs compared to traditional financing. This can free up your budget for other expenses or allow you to consider a higher trim level or more features than you might have initially thought possible.

Leasing also provides the benefit of driving a vehicle under warranty. This means that routine maintenance costs are likely to be lower, contributing to the overall affordability of the leasing option. At the end of the lease term, you have the choice to return the vehicle and explore a new Chevrolet model, purchase the leased vehicle at a predetermined price, or extend the lease.

Choosing the Right Financing Option

Selecting the right financing option is crucial in ensuring that your Chevrolet ownership experience aligns with your budget and preferences. Here are some factors to consider when making your decision:

Budget: Start by evaluating your budget and determining how much you can comfortably afford to pay each month. Keep in mind that your monthly payment should not strain your finances.

Ownership Goals: Consider how long you plan to keep your Chevrolet. If you prefer driving the latest models every few years, leasing might be more suitable. If you aim for long-term ownership and eventual full vehicle ownership, an auto loan could be the better choice.

Mileage: If you have a significant daily commute or frequently take long road trips, be mindful of mileage restrictions in a lease agreement. Exceeding these limits can result in extra charges.

Credit Score: Your credit score plays a pivotal role in determining the interest rate you qualify for. A higher credit score often leads to lower interest rates, which can significantly affect your overall financing costs.

Down Payment: Determine how much you can put down as a down payment. A larger down payment can lower your monthly payments and the total cost of your Chevrolet over the life of the loan or lease.

Benefits of Financing with Us

At our dealership, we take pride in offering a smooth and customer-centric financing experience for Chevrolet enthusiasts. When you choose to finance your Chevrolet vehicle with us, you can expect the following:

Competitive Rates: We work with a network of trusted lenders to provide you with competitive interest rates that suit your financial situation.

Customized Solutions: Our team of experienced finance experts is committed to tailoring financing solutions that align with your specific needs and goals.

Exceptional Customer Service: we are dedicated to providing you with exceptional customer service throughout the financing process. We're here to answer your questions and guide you every step of the way.

Convenience: Our online financing application makes getting pre-approved from the comfort of your home easy, saving you time at the dealership.

Financing your Chevrolet vehicle is a significant step in your ownership journey, and our dealership is here to make it as smooth as possible. Whether you opt to purchase or lease, we're here to help you find the perfect financing solution. Contact us today to explore our current Chevrolet inventory and learn more about our financing options. Your dream Chevrolet could be closer than you think.