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How to Finance a MAZDA in Five Steps

2022 Mazda MX-30 EV

 


How does Mazda financing work? Holiday Mazda is here to help answer that question with our guide to financing a car in just six easy steps. We’ll also cover answers to your common financing questions, such as “What’s the difference between leasing and financing a car?”. With that said, let’s dive right into it all so you can be that much closer to enjoying your Oshkosh and Appleton commutes more in the new or used Mazda of your dreams.

What’s the Difference Between Leasing and Financing a Car?

Leasing is just a subcategory of auto financing. What you probably think of as “financing” is actually a moniker for “purchase financing” — aka buying a car and paying it off via a financing agreement. Leasing lets you use a car and pay for it over time too, but you don’t own it at the end of your lease; you pay for only the portion of the car’s expected value for the time you use it. That said, here’s more on how leasing vs. financing differs:

Leasing a Car

  • Leasing is a shorter-term commitment of two or three years on average.
  • You can return your car at the end of the contract, upgrade to a new vehicle, or buy your vehicle instead.
  • Leasing usually lasts the duration of your bumper-to-bumper warranty.
  • You must keep the vehicle in good condition with mandatory maintenance and mileage limits, and you can’t modify the vehicle.

Financing a Car (Purchase)

  • Financing is a longer-term commitment that ends in total ownership of the car.
  • You are free to drive as much as you’d like in Oshkosh, customize your car, tint the windows, add performance features, and decorate as you see fit.
  • The up-front costs may be more, but the long-term savings are significant compared to a lease.
  • You can sell or trade your vehicle at any time.

How to Finance a Car in Five Steps

Now that you know more about financing vs. leasing, here’s how to finance a car the quick and easy way:

  1. Get a Credit Check: It’s a good idea to check your credit score before applying for loans and leases. This will let you get a clearer picture of what you can expect during the Mazda finance process at Holiday Mazda.
  2. Get Pre-Qualified: Applying for financing is fast, easy, and secure with our convenient online application. Just input your basic information and voila, you can pre-qualify without ever leaving your Beaver Dam home!
  3. Set a Budget: Once you’ve got your Mazda finance package in order, you can budget using our monthly payment calculator.
  4. ShopAround: Start browsing our new Mazda vehicles or used vehicles and take your top candidates on a test drive. Find the Mazda that fits your budget and lifestyle, and be sure to ask our sales team all of your questions. We’ll make sure that you find the perfect match.
  5. Finalize the Loan: Review your loan offer and finalize the details with your Mazda financing representative. Sign the paperwork and hit the West Bend roads! Then all you need to do is make your payments promptly, and enjoy the ride!

Start Shopping with Holiday MAZDA

Congrats on making it this far; now you should have a better handle on the difference between leasing and financing a car as well as the process of actually getting your loan. Now, let the Mazda finance experts at Holiday Mazda take it from here! Contact us with your questions and stop by our Fond du Lac location to start shopping!

 

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