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Financial Planning When Buying From Chevrolet Dealers in San Antonio

Chevrolet dealers in San Antonio can help you find the right car for your budget, whether you need to buy or lease. They can help you figure out if buying a new or used car or leasing a new car is a better solution for you. When choosing between buying vs. leasing, you need to consider more than just the monthly price of the vehicle. Leasing may offer lower payments and the security of knowing the car is covered by a good warranty, but there are also more restrictions with a lease.

For instance, do you consistently drive more than 15,000 miles in a year? There are mileage limits when leasing, and if you go over the limit, there are fees to pay. If you plan on customizing the vehicle by adding pinstripes, tinted windows, or installing a different stereo system and multiple CD changer, you may be better off buying instead. You may be held responsible for interior or exterior wear and tear on the car. Some people are better off buying because they want to save money by doing their own maintenance, whereas with a lease, you’ll be required to have work done by an authorized dealer.

Dealers like Wommack Chevrolet San Antonio have website calculators that allow you to estimate what your credit score is without having an inquiry on your record, all at home when it’s convenient and without having to speak with anyone. If you have a current vehicle for trade, you can enter in the year, make, and model of your current vehicle to find out it’s approximate trade-in value. There are other good calculators available online too, like Kelley Blue Book, NADA car guides, and Edmunds, to help you come up with a fair trade-in value or resell market value for your car.

If you don’t have financing through your own bank, dealers have lenders that they work with so they can help you arrange financing, too. Your monthly budget for the car will include more than just the purchase or lease price. Don’t forget to budget for oil changes and other maintenance, car insurance, and yearly car registration.

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