GM Leasing

The decision whether to buy or lease your vehicle usually depends on your personal preferences and the specifics of your financial situation. Using traditional financing to purchase your vehicle will cause your monthly payments to be based on the entire value of the vehicle. It also means you will own the vehicle at the end of your financing term.

If you intend to make any customizations to your vehicle, traditional financing is probably best for your needs.

When leasing, you pay only for the portion of a vehicle you expect to use during your specified lease term. For example, if you lease a $20,000 vehicle, and that vehicle’s estimated worth at the end of your lease is about $9,000 (residual value), your resulting monthly payments will be based on the $11,000 difference.

Leasing offers you the following advantages:

• A lower monthly payment
• Little to no down payment
• More vehicle for the money
• No resale or trade-in - simply return the vehicle to your dealer at lease-end
• Short lease terms enable you to repeatedly lease new vehicles
• Potential tax advantages - i.e. lease vehicles used for business can provide tax deductions

GMAC offers qualified buyers two leasing options, SmartLease™ and SmartLease Plus™. GMAC SmartLease has various advantages over traditional financing options:

• Low down payment
• Low monthly payments
• No resale or trade-in complications
• SmartLease contracts are conveniently arranged at your GM Dealer

Because you’re only paying for a monthly portion of the vehicle you’re using during your lease term, SmartLease monthly payments are significantly lower than the traditional financing you’d receive from a bank or credit union. You can also either return the vehicle to your GM Dealer when your lease is complete, or you may exercise your option to purchase. At the end of the lease term, you have the option of returning the vehicle or purchasing the vehicle.

SmartLease Plus

If you like the idea of driving a new vehicle every few years while also eliminating the inconvenience of monthly payments, SmartLease might be right for you.

The advantages of SmartLease Plus include:

• One single payment
• Lower out-of-pocket costs than most GMAC leases
• No monthly bills
• No resale or trade-in complications
• SmartLease contracts can be arranged right at your GM Dealer

Traditional Financing

Traditional Financing is an installment sale transaction between you and your dealer whereby you agree to pay the amount financed, plus an agreed upon finance charge, over a specific period of time.

The GM Card® - Today's Financial Vehicle®

The GM Card® offers you a wide variety of excellent benefits. There's no annual fee, and you’ll earn 5% on every card purchase toward the lease of a new GM car or truck. The card also enables you to Accumulate up to $500 of earnings per account year, which can result in a maximum of $3,500 over seven years. Your GM Card® earnings can be redeemed at any General Motors Dealership. Call 1-800-8GM-Card to apply.

The GM Card® also offers:

• A credit line you can use at over 12 million locations worldwide
• A competitive annual variable percentage rate (APR)
• Up to $150,000 Travel Accident Insurance
• Access to over 240,000 CIRRUS® and MasterCard® ATMs
• Free GM Card® Balance Transfer and Convenience Checks
• Free Additional Cards
• Toll-free customer service - 24 hours a day, seven days a week

In addition, if paid in full each month, the GM Card® offers you a grace period during which no finance charges are assessed to your account on current purchases. Apply for The GM Card® today by calling 1-800-8GM-CARD.

*SmartBuy, SmartLease and SmartLease Plus are all registered Trademarks of General Motors Corporation.

Chrysler, Dodge, and Jeep Leasing

Chrysler Financial's Advantage: Decision Control

• Chrysler Financial's Chrysler Financial Lease?
• Chrysler Financial Plus?
• Conventional Financing?

Because we're not sure which option will best fit your needs, we've designed three great alternatives for you to choose from.

The Lease You Can Do

There's something about that new car smell that's addictive. It's the promise of adventures yet to come. It's the thrill of a fresh start. When you want to get as much new vehicle as you can . . . as often as you can, Chrysler Financial Lease or Chrysler Financial Plus is the answer you've been looking for. Leasing gives you the opportunity to experience a new car every two or three years.

Lease With Option to Love

In addition to getting what is usually a lower monthly payment than with Conventional Financing, Leasing offers you a number of other advantages.

The advantages of Leasing include:

• Driving a new vehicle more often
• Paying for only the portion of the vehicle you use
• Knowing your vehicle is under warranty for the lease term (2-3 year lease terms)
• Having a Single Payment Lease option* or the convenience of AUTO-PAY**

And the advantages of Leasing don't end when the lease is up. At lease end, you can either return the vehicle to your Dealer or buy it for your "option to purchase" price.

As you've probably seen by now, leasing can have some fairly significant advantages over traditional financing:

• Lower monthly payments
• Own vehicle more often
• Pay for only the portion of the vehicle you use

You can choose from three options at the end of your lease term. This allows you to customize the lease to your needs at turn-in:

• Purchase your vehicle at the predetermined "Purchase Option Price" stated on your lease agreement
• Buy your vehicle and sell it
• Return your vehicle to your dealer, pay any fees and charges and lease a new vehicle Remember, because a Chrysler Financial
• Lease is a closed-end lease, you bear no financial risk beyond excess mileage and excess wear and tear at turn-in. 

Chyrsler Financial Plus: Ultimate Flexibilty. Ultimate Advantage. 

If you want to combine the pride of ownership with the benefits of leasing, then Chrysler Financial Plus is ideal for you. Because it's not a lease, your new vehicle will be titled in your name.

But you'll also get the great advantages of a lease like:

• Usually a lower monthly payment than Conventional Financing
• Paying for only the portion of the vehicle you use
• Knowing the vehicle is under warranty for the Chrysler Financial Plus term (2-3 year term)
• The convenience of AUTO-PAY**

Then, when you've reached the end of your term, you can choose from three end of term options. You can Return the vehicle to your dealer or make a final Fixed Value Payment, or refinance the Fixed Value Payment.* * A Fixed Value Payment lets you reduce your monthly payments during the finance term by establishing a single fixed value payment for the vehicle's balance at the end of the prescheduled finance term.

 * The Single Payment Lease option lets you make one payment at the beginning of the lease term so you don't have to worry about monthly payments. And, you'll pay a lot less than you would if you purchased the vehicle outright.

** We can help you arrange to have your monthly lease payments taken directly from your checking or savings account so you don't have to worry about writing a check every month.

Chrysler Financial's programs are offered subject to availability and state and local laws and taxes.