BMW of Monterey

1 Geary Plz Directions Seaside, CA 93955

  • Sales: (888) 306-6825
  • Service: (877) 849-1903

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Take the Pain Out of Auto Financing with BMW of Monterey

That new BMW you've been dreaming about? Picture this-you've found it; it's a new BMW M4 or maybe a more practical but still spectacular BMW X3. You've done all the research, aced the test drive, and now you're smitten. Then what? The next step is visiting with our friendly and professional BMW Finance Center to find the auto loan or BMW lease to see yourself right into the driver's seat, taking it from the "car in your dreams" to the "car in your driveway." If you're a luxury-minded driver from Seaside, San Jose, Salinas, Santa Cruz, or Monterey, CA, we want to help you achieve your dream of BMW ownership!

Should I Choose an Auto Loan or a BMW Lease?

No one besides you can know for sure whether a BMW lease or an auto loan is the way to go for your financing solution, but our financing experts are on hand and ready to work with you to find one that looks right, and we'll even build a custom payment plan, because, while the other guys might be obsessed with the numbers, we're only concerned with our number one priority: customer satisfaction. Here we've gathered a quick rundown of the various benefits and drawbacks to financing with an auto loan or a BMW lease. Check it out, and if you have any questions along the way, don't hesitate to give us a call at (888) 474-5628!

Take a moment to go over the breakdown above to see which financing solution you feel is best for you, and if you'd like a little help and guidance, come on in to see us at BMW of Monterey, located conveniently on 1 Geary Plz, Seaside, just a short drive from folks in the surrounding areas of San Jose, Salinas, Santa Cruz, Monterey. You've found your perfect new BMW, now come on in and find your perfect auto financing solution, too.

Purchasing with an Auto LoanVSBMW Leasing
Because you're purchasing outright, the monthly payments tend to be a little higher for an auto loan, but it's the difference between owning your vehicle and leasing it.PaymentsWith leasing, you're only paying for the cost of depreciation, so your monthly payments tend to be lower than with a loan, but the difference is, you don't own your vehicle outright.
When you purchase with a loan, there aren't really any restrictions on what you can do with the vehicle. Because you're buying rather than leasing, you won't be returning the vehicle to the dealership at the end of a contract, so it's yours to do with as you please. You can make customizations, you can drive it as much as you want without restriction, and if you ever want to, you can choose to sell it. You can't do any of that when you lease.Terms and ConditionsWhile leasing brings lower monthly payments, there are some restrictions to how you can use your vehicle. When you lease, you agree to a contract with the dealership which will define how long you'll keep the car and how many miles you're allotted to drive. If you go over the allotted miles, you can end up paying a fee when you return the vehicle at the end of the contract; however, if you're someone who doesn't drive often, you might be able to save a little money on your lease by opting for a low-mileage lease!
When you purchase, you only bring your car back to us when it's time for service and maintenance! It's yours forever, or until you decide to sell it or pass it on.Do I Bring the Car Back?Yes! When you lease, you bring the vehicle back to the dealership at the end of your contract, and then you can choose to move onto a newer, fresher model at that time. This is great for those who want access to the latest and greatest every few years!
While new vehicles often have a robust manufacturer's warranty to go along with them, it's important to remember that the car remains yours even when the warranty is up, so at that point, all repairs and maintenance will become your financial responsibility. Warranty and RepairsOne great aspect of leasing is, because lease terms tend to be on the shorter side of things, it's very likely your vehicle will remain under the manufacturer's warranty for the duration of your lease, so most of the repairs or maintenance it needs could end up being covered, costing you little to nothing out of pocket!