The question in itself is simple enough, but answering it for El Cajon drivers is another matter entirely. The fact is that both options offer several positives and negatives that you should consider before making your final decision on how to bring home a vehicle from our new inventory. Poway Chrysler Jeep Dodge Ram near Escondido is more than happy to give a few pointers that can help make your financing decision a little bit easier.

Pros of Financing to Buy

The traditional car loan is a great way to pick up a new or used model from our dealership if you're the type of San Diego driver who plans on keeping the vehicle for a long time. With this option you get the benefit of flexibility in how you structure the deal to fit into your lifestyle. If you don't want to be stuck in a car loan for five years or more simply opt for a shorter term with the understanding that you'll have a slightly higher monthly payment.

If you want to keep your payments low, using a trade in and a down payment reduce the amount you're financing to allow you to pay off less over time.

Other benefits include:

• Live payment free by keeping the car beyond your loan term
• Modify the vehicle as you see fit
• No worries about golf spikes, work equipment, or pets damaging the interior and paying a lease penalty