Mazda Financing Guide

  • Holiday Mazda Storefront

Are you looking to finance the purchase of a Mazda automobile? Mazda financing is simpler than you might think, especially when you come to Holiday Mazda. Our Mazda finance services are second to none, and we work with drivers in nearly all kinds of credit situations. That’s why Oshkosh drivers know us as one of the premier Mazda dealers in Wisconsin. Keep reading to find out how to get financing in Wisconsin for your next car purchase.

MAZDA Financing in Wisconsin – How to Go About It

Mazda financing is not complicated, and we endeavor to make the whole process as easy as possible for Wisconsin residents. In fact, much of the process can be done online. Just follow the steps below to take advantage of our Mazda finance services:

  • Check your credit and clean up any issues – We pride ourselves among Mazda dealers in Wisconsin on being able to work with Appleton drivers with bad credit as well as good credit. But the better your credit score, the better interest rate we can work out with you.
  • Calculate how much of a down payment you can make.
  • Use our online tool to calculate your monthly payment.
  • Get pre-approved for credit online – Alternatively, you could secure your own financing, but you would need to shop around to get the best rate. We already work with multiple lenders on your behalf.
  • Browse our inventory online or come to our lot and pick out your car.
  • Sit down with our Mazda finance services department to work out the terms of your loan.

Lease vs. Buy a MAZDA: Which Is Better?

Choosing whether to buy a car or leasing one can be a difficult decision for Oshkosh drivers. For starters, the decision to buy a Mazda is nice, as you get to call it your own. But, leasing a Mazda is cheaper–especially if you’re on a budget. At Holiday Mazda, we want what’s best for you by providing other informative resources on our website, including car-buying tips. If you’re struggling on the decision to lease vs. buy a car or Mazda, continue reading to discover the pros and cons of each option.

Leasing a MAZDA: Pros & Cons

As mentioned previously, leasing a Mazda will save you some cash. This is because monthly payments are lower because instead of paying interest, you pay off a principal, which is the difference between the value of a new car and its expected value at the end of the lease. Other pros include:


  • You have the opportunity to drive a car during its prime years.
  • You’ll still get new car-warranty coverage.
  • You will have access to the most latest safety features.
  • There is less stress about selling and/or trading in a car.
  • You get the chance to drive a car you normally wouldn’t be able to afford.
  • There’s the possibility of free scheduled maintenance appointments and oil changes.

And, of course, there are quite a few drawbacks to leasing a Mazda in Fond du Lac:


  • It can cost you more than an actual auto-loan, as you are paying for a vehicle during times of sharp depreciation.
  • You are limited to a certain number of miles as specified by a lease contract.
  • There’s the possibility of paying even more at the end of your lease in the case of any wear and tear.
  • If you decide you want to break your lease, you’ll be hit with numerous fees and penalties.
  • You have to ensure that the vehicle stays in tip-top condition, as if it had never left the showroom.
2023 Mazda CX-50 Side Profile

If You Buy a MAZDA: Pros & Cons

The decision to buy a car is a huge one–one step below buying a home around the Appleton area. Evidently, if you choose to buy a Mazda vs. lease one, it’s completely yours, and there are many benefits when your car becomes an asset of your own, such as:

2023 Mazda3

  • No mileage limits. There is no leasing contract when you buy a car, meaning you can put on as many miles as you’d like without stressing about it.
  • You have the option to trade in or sell your vehicle down the road.
  • If your car accumulates some wear and tear, you won’t have to worry about being charged extra.
  • You have access to better fuel efficiency and the latest safety features.
  • Typically, you’ll get warranty coverage for a certain amount of time and miles.

On the other hand, some of the drawbacks if you choose to buy a Mazda include:


  • It’s more expensive.
  • You’ll have to worry about its value. Once you leave the dealership with a new car, the value begins to depreciate dramatically.
  • Auto-insurance can be pricey. This is because lenders require you to carry full coverage until you completely pay it off.

Financing & Trade-In FAQ

At Holiday GM, we understand that financing a car can be confusing to customers and there are quite a few questions to ask. It’s quite a bit simpler than it seems and our experts can lay it out clearly for you. We have also broken down many common car financing and trade-in questions and answers for you. If you still have questions or are ready to buy a car, contact us today!

Are you asking yourself: when should I buy a car, how do I buy a new car, which car should I buy, and how do I finance a new car? Holiday Automotive has you covered with all the answers.

Curious about the differences between buying used cars vs. new cars? Plenty of Wisconsin shoppers have asked us about this before — enough that we’ve decided to provide this handy resource! Ask and you shall find the answers you want!

If you’re in the market for a new car, or even a used car, you might have asked yourself, “When is the best time to buy a car?”. There are actually times of the year and even month that traditional wisdom dictates are “best” for buying a new car. Let’s take a closer look at some of the times where it’s best to buy a new car from a dealership with the experts at Holiday Automotive today!

Wisconsin Automobile Finance Laws

The process above is the general process that is recommended to everyone. But there are laws specific to this state that all Mazda dealers in Wisconsin must abide by:

  • All financing terms are final once a vehicle is delivered – This applies to dealers as well as buyers. A dealer has 14 days to cancel a sale if financing has not been secured as long as the vehicle has been delivered. A seller may cancel a sale if the car has not been delivered within 15 days of the anticipated delivery date specified in the contract.
  • There is a 3-day cooling-off period, but it only applies to vehicles sold away from the dealership – If papers were signed at a dealership, that agreement is binding.
  • Wisconsin lemon laws apply to vehicles that are new and under warranty, but not to used vehicles.
  • A dealer has 14 days to pay off your trade.

Take Advantage of MAZDA Finance Services at Holiday Mazda

We’ll be happy to work with you to get you behind the wheel of your next car. Talk to our finance department about your options. If you’d like to learn more, check out our post on the difference between leasing and financing. We’re just a short drive away from Beaver Dam, Wisconsin. So, drop by or give us a call!

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