Chrysler Leasing vs Financing


Leasing vs Financing at Stevens Point Chrysler Dodge Jeep Ram

Choosing whether to lease or finance your next car can be a difficult decision, that's why the financial experts at Stevens Point Chrysler Dodge Jeep Ram are here to help! We'll help you find the best option for your lifestyle and budget to ensure you make a confident decision. We offer Fresh Start Financing to all customers, savings on New Chrysler, Jeep, Dodge, and RAM models, and more at your disposal when you choose to shop and finance with us!


Leasing has an array of fantastic benefits, from having limited ownership cost and no long-term commitment to access to the newest technology and not having to worry about depreciation. Since most lease terms end before a manufacturer's warranty expires, you don't have to worry as much about regular maintenance costs such as oil changes and tire rotations. Leasing through Chrysler Capital offers an array of benefits that includes the freedom to customize your lease with approved accessories, flexible terms, and more! 

Financing at Stevens Point Chrysler Dodge Jeep Ram is as easy as browsing all our latest new lease offers to find the rate and down payment that works best for you. We make leasing the car of your dreams easy! Contact our Sales Department at 715-254-8541 to set up a test drive today and keep reading to uncover all the benefits leasing has to offer. 

Leasing Benefits

  • Approved accessories are available to customize your vehicle at the time of lease inception.
  • Chrysler Capital offers a variety of mileage options to suit almost any lifestyle.
  • GAP coverage is included in the terms of your Chrysler Capital lease agreement, providing you with peace of mind in the event of total loss.
  • If you use the vehicle for business purposes, you may be able to deduct a portion of the payment.

Leasing Disadvantages

  • Only allowed limited mileage amounts, with the option to purchase extra.
  • Charged for repairs if the vehicle isn't in good shape when you return it.
  • Leases don't build the same credit and payoff advantages of financing.

Lease-End Options

Leasing provides you with end-of-term options that include the ability to purchase your current lease at the preset price or start the return process hassle-free. If you're ready to return your current lease before you buy or lease a new Chrysler, Jeep, Dodge, or RAM, the following steps can help you get started:

  1. Schedule an inspection.
  2. Review and make repairs.
  3. Make a return appointment.
  4. Complete a federal odometer/lease termination statement.
  5. Pay any lease liability fees/charges.
  6. Pay any additional charges.

Fresh Start Financing

Financing is a great option for anyone looking for a car without restrictions and future financial freedom once it's paid off. At Stevens Point CDJR we are ready to approve anyone that comes in the door. Our Special Finance Manager is dedicated to working with anyone that has less than perfect credit. Our Special Finance department not only has the knowledge and experience to get you approved but we also work with a number of different banks and credit unions that help get our sub-prime buyers on the road today! 

You can get started by contacting us today or filling out our safe and secure online Approval Application. Feel free to use our payment calculator to determine what you can afford and what your monthly payment will be. Keep reading to uncover all the positives and negatives that can come with financing a car. 

Financing Benefits

  • Can sell or refinance.
  • No mileage restrictions.
  • You can customize and alter.
  • No car payments once paid off.
  • Multiple lender options to get the best rates. 

Financing Disadvantages

  • Higher monthly payments.
  • Higher down payment.
  • Higher repair costs.
  • Vehicle depreciation.

Leasing vs Financing FAQ

Financing means you’re taking out an auto loan to help you buy your new car. When you lease you don’t own your car but are rather renting it for a 2-3 year term before returning or buying it.

Leasing offers the freedom to get a new car every few years without having to worry about resell or depreciation. Leases are also generally covered by a warranty for their duration and offer flexible end of lease options.

Leasing can be more restrictive to your lifestyle, every lease features different mileage limitations that can add up over time if you go over it. Leasing also limits the personal touches you can add to your car and isn’t an asset like financing can become.

  1. Lease a new car.
  2. Purchase a new car.
  3. Purchase your currently leased car.
  1. Scheduling your inspection.
  2. Review and make possible repairs.
  3. Make an appointment at a dealer.
  4. Complete a federal odometer/lease termination statement.
  5. Pay any lease liability fees/charges.
  6. Pay any additional charges.

When you choose to finance, you don’t have to worry about mileage limitations or voiding any lease contracts by adding certain accessories. Also when you choose to finance, you’ll enjoy long-term saving once the loan is paid!

Financing generally means higher monthly payments, higher down payments, and higher repair costs. Plus unlike a lease, you have to worry about vehicle depreciation.

Leasing or Financing at Stevens Point Chrysler Dodge Jeep Ram Today

We have a strong and committed sales staff with many years of experience satisfying our customers' needs. All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no-credit car loan if your situation demands it. Or if you are interested in taking advantage of one of the latest lease deals, stop by today to drive off the lot in the car of your dreams today!
  1. Stevens Point Chrysler Dodge Jeep Ram

    5441 US Highway 10 E
    Stevens Point, WI 54482-9113

    • Sales: 715-869-6513
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Get in Touch

  • Contact our Sales Department at: 715-869-6513
  • Monday08:00AM - 08:00PM
  • Tuesday08:00AM - 08:00PM
  • Wednesday08:00AM - 08:00PM
  • Thursday08:00AM - 08:00PM
  • Friday08:00AM - 08:00PM
  • Saturday08:00AM - 05:00PM
  • SundayClosed