Financing with Our Dealership

Car financing allows you to spread the cost of your vehicle purchase over a set period, typically ranging from 36 to 72 months. When you finance a vehicle, a lender provides the funds to purchase the car, and you repay that amount plus interest through monthly installments. Once you complete all payments, you own the vehicle outright. At our dealership, we simplify this process by handling the paperwork and communicating directly with lenders on your behalf.

The decision between financing and leasing depends on your financial situation. Financing is ideal for customers who want to build cash value, or equity, in their vehicle and eventually own it completely. This option is great for those who drive significant miles or prefer to customize their vehicles. Leasing, on the other hand, offers lower monthly payments and allows you to drive a newer model every few years. Many drivers from Durango visit our dealership to discuss both options with our knowledgeable staff.

Yes, Spradley Kia offers a secure online financing application that protects your personal information with advanced encryption technology. We understand the importance of safeguarding sensitive data, which is why we have implemented strong security measures throughout our digital platform. You can complete your credit application from the comfort of your home at any time that's convenient for you. This streamlined process saves time and allows you to get pre-approved before visiting our showroom.

Absolutely. Trading in your current vehicle is an excellent way to reduce the amount you need to finance on your next purchase. The value of your trade-in is applied directly to your new vehicle, effectively lowering the principal balance of your loan. That can result in lower monthly payments and even better financing terms. Customers from Canon City have taken advantage of our fair trade-in evaluations to maximize their purchasing power.

Yes, our website features a KBB search function that lets you adjust trade-in value, down payment, and APR interest rates. Then you can hit the "Search Available Cars" button to find options that fit your guidelines. Our finance team is also available to answer any questions and provide personalized calculations based on your specific situation.

At Spradley Kia, we believe that past credit challenges shouldn't prevent you from getting reliable transportation. Our finance center specializes in working with customers who have experienced credit difficulties. We have established relationships with lenders who help buyers with less-than-ideal credit scores. Our team takes a personalized approach, reviewing your current financial situation and identifying opportunities to secure approval.