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Find Your Car Leasing and Loan Solutions at Mac Haik Dodge Chrysler Jeep Ram of Temple, Texas

Obtaining a customized car loan or lease in the Killeen, Waco, Gatesville and Georgetown, TX areas has never been easier. The Mac Haik Dodge Chrysler Jeep Ram finance team will work to get you the lowest rates possible, and a pay-off period that works comfortably with your individual budget.

To learn more about our financing options for new and used RAM, Dodge, Jeep and Chrysler models, including the 1500, 3500, Avenger, Wrangler and 200, contact Mac Haik Dodge Chrysler Jeep Ram today. Or, visit us in person at 3207 South General Bruce Dr Temple, Texas.

As the cost of vehicles continues to escalate, we here at Temple Mac Haik Dodge Chrysler Jeep Ram have found a way to give you the monthly payment you desire and still drive the new vehicle of your choice.  Lease it!

Advantages to Leasing     

• Lower Monthly Payments and Low Down Payment. Payments on a lease are less expensive than financing because you are only paying for the depreciation, which is the difference between the price of the vehicle and the residual value.
• Upside DownNever have to worry about being upside down where the value of the vehicle is less than the amount owed.
• Always have a paymentFor most people, a car payment is like a house payment. You will always have one so why not be driving a new vehicle of your choice every 3 years
• Asset senseYou should buy items that appreciate and lease items that depreciate. For example, most people would not be too excited about buying stock for $30,000 if they knew that it would only be worth $15,000 in 4 years.
• Low RiskA bank or lease company is assuming the total risk of what the vehicle will be worth in the future
• FlexibilityYou do not give up the option of owning the vehicle, you just postpone it. This gives you time to make sure this is the vehicle for you. This makes great sense with advances in technology that have the potential to make your vehicle outdated
• High Mileage Drivers can benefit by applying for extra miles up front at a reduced price. The auto industry deducts 23 - 30 cents per mile over your mileage limit when trading in a vehicle
• Win! Win! In many instances, the residual value is comfortably high resulting in lower monthly payments. At the end of the lease, the lease company absorbs the loss, not you
• WarrantyThe short-term lease leaves you covered under your factory warranty, allowing you to be worry-free about unexpected repair bills
• Get a nicer vehicleHigh residuals allow you to lease a $5,000 - $10,000 more expensive vehicle for about the same payment as financing
• Tax Savings In states with sales tax, you only pay tax on your monthly payment, not on the whole vehicle. And in some cases, the entire lease payment may be tax deductible. Consult your accountant for more information

Your Options at the end of your lease

• Return it to the bank and pay only a small disposition fee
• Sell the vehicle and keep any amount over the residual
• Trade it in on a new vehicle
• Buy the vehicle for the residual amount

Lease Terminology

• Cap Cost the purchase price of the vehicle plus the acquisition fee
• Acquisition Fee a fee charged by the lender for doing the lease
• Cap Cost Reductions any trade equity, cash or rebates used as a down payment to reduce the cost of the vehicle
• Residual - a predetermined estimate of the market value of a vehicle at the end of the lease term.

Call 800 635 8000

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