The auto finance department at Walser will find the new or used car loan or lease option that works best for you. Our finance staff has the expertise and financial resources to get you the best rate on a car loan or lease in Roseville and into your dream Buick or GMC. We are here to make the process of buying a new or used car in the Minneapolis, Maplewood or St Paul, MN area as simple as possible. Work with a finance specialist at Walser and you'll be glad you did!
Get approved for a car loan in Roseville right now by completing our secure online auto finance application. We will contact you as soon as one of our experts has reviewed your application.
While you're waiting for credit approval, take a moment to browse Walser's online inventory and view your favorite new Buick, GMC, or used car in Roseville. The staff at Walser is always available to answer any questions you have about purchasing your next new or used vehicle or getting a car loan or lease in the Minneapolis, St Paul or Maplewood, Minnesota area.
2775 Long Lake Road
Roseville, MN 55113pause
Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.
Owning a lease vehicle is possible if purchased outright after the lease period ends.
A typical lease period runs between 24 and 48 months.
Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.
Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.
Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.
Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.
Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.
If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.