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Auto Financing & Car Loans in Wilkes-Barre, Pennsylvania
Bergey's Kia of Wilkes-Barre takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
We Make it Easy!
Should You Lease Your New Bergey's Kia of Wilkes-Barre Vehicle?
Consider leasing your new Kia vehicle if you prefer driving the latest models with cutting-edge technology, comprehensive warranty coverage, and lower monthly payments. Leasing allows you to enjoy a new Kia Sportage, Telluride, or Forte with minimal down payment requirements while avoiding long-term ownership responsibilities like major repairs or depreciation concerns. At the end of your lease term, you have the flexibility to return the vehicle, purchase it at a predetermined price, or lease a newer model with updated features and improved fuel efficiency.
Benefits of Financing
Financing your vehicle purchase builds equity and provides long-term ownership benefits including the freedom to modify your Kia, unlimited mileage without penalties, and the ability to sell or trade your vehicle whenever you choose. Auto loans typically offer lower total costs compared to leasing when you plan to keep your vehicle for several years, while building credit history through consistent monthly payments. Once your loan is paid off, you own a valuable asset free and clear, providing transportation without monthly payments and the option to use your vehicle's equity for future purchases.
Flexible Credit Options
Our experienced finance team works with customers across all credit situations, from first-time buyers establishing credit to those seeking the best rates with excellent credit scores. We maintain relationships with multiple lenders, credit unions, and specialty financing companies to find competitive rates and flexible terms that match your budget and credit profile. Visit our Larksville showroom at 126 Narrows Road Route 11 to discuss financing options with our knowledgeable specialists who provide transparent, no-pressure guidance to help you secure the best financing solution for your new or used vehicle purchase.
Frequently Asked Questions
This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
Ready to begin?
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Auto Financing and Car Loans in Wilkes-Barre, Pennsylvania
Secure competitive auto financing for your new or used vehicle purchase at Bergey's Kia of Wilkes-Barre. Our experienced finance team works with multiple trusted lenders to provide flexible loan and lease options for customers with all credit situations. Whether you're purchasing your first vehicle, have established credit, or need assistance rebuilding your credit history, we offer transparent financing solutions with competitive rates and terms that fit your budget.
Flexible Loan and Lease Options
Choose between traditional auto loans that build equity in your vehicle or convenient lease programs that offer lower monthly payments and the flexibility to drive newer models with latest technology. Our financing options include various term lengths, down payment requirements, and mileage packages to match your driving habits and financial goals. Both purchase and lease programs feature straightforward terms with no hidden fees or surprise charges.
All Credit Situations Welcome
Our finance specialists work with customers across the credit spectrum, from first-time buyers establishing credit to those with excellent credit scores seeking the best available rates. We maintain relationships with multiple financial institutions, credit unions, and specialty lenders to find financing solutions that work for your specific situation. Our goal is to get you approved and driving with monthly payments that fit comfortably within your budget.
Streamlined Application Process
Apply for financing online to get pre-qualified before visiting our dealership, or work with our finance team in person to complete your application. Our streamlined process includes trade-in value estimates, payment calculations, and loan pre-approval that saves time during your vehicle purchase. We handle all paperwork and coordination with lenders, making the financing process as simple and efficient as possible.
Expert Finance Team and Transparent Service
Our knowledgeable finance professionals explain all options clearly, help you understand loan terms, and ensure you make informed decisions about your vehicle financing. With our no-pressure approach and transparent pricing, you can focus on finding the right financing solution without sales tactics or hidden costs. Visit our Larksville location at 126 Narrows Road Route 11 to speak with our finance specialists who combine decades of experience with the personal attention that has made Bergey's Kia a trusted choice for families throughout Wilkes-Barre, Scranton, and surrounding communities.
Your privacy is important to us.
Bergey's Kia of Wilkes-Barre takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.
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Bergey's Kia of Wilkes-Barre
126 Narrows Rd Route 11
Larksville, PA 18704-3222
- Sales: (570) 288-7411
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