Hansel Prestige BMW's finance team is here to walk you through the entire process of getting a car loan in Santa Rosa. From start to finish our experts will help you choose the finance plan that works best for your lifestyle. We work with a network of lenders to get you excellent rates on an auto loan in Santa Rosa.
You can start the process of getting a car loan right away. Complete Hansel Prestige BMW's online finance application form and we will review it, then contact you as soon as we have found a finance plan that suits your needs.
Choose your new BMW, or used car, by browsing our dealership's extensive inventory and get an auto loan in Santa Rosa. You will find details, pictures and prices for all of our new and used vehicles. If you have any additional questions please contact us at (800) 608-9135 .
2800 Corby Ave.
Santa Rosa, CA 95407pause
Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.
Owning a lease vehicle is possible if purchased outright after the lease period ends.
A typical lease period runs between 24 and 48 months.
Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.
Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.
Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.
Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.
Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.
If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.