Do you want to buy a used SUV or has one of the used trucks in our inventory captured your interest? Whether you want an SUV, a truck, or another body style, you need to decide how you’re going to complete your purchase at our car dealership.

Which Option is Best for you?

In general, there are two options available to you if you want to purchase a pre-owned vehicle. You can buy an automobile outright or you can finance your purchase. The option that’s best for you depends on several key factors.

Even if you have ample cash on-hand, you may still want to finance at least part of your purchase if you have poor or no credit. By financing your car, you can establish or rebuild your credit by making loan payments on time.

If you want to have the greatest number of pre-owned vehicles available to you, you might want to finance your upcoming purchase. When you limit your purchase price to the cash you have in your wallet or purse, you might discover that the vehicle you is out of reach.

Does the thought of having to make monthly loan payments keep you up at night? If so, you may prefer to pay for a car upfront rather than taking out a loan.

Some dealers offer finance specials that include deals with 0% interest on loans. Whether or not you have enough cash to pay for a car in full, it’s typically wise to finance your purchase if you qualify for one of those deals because borrowing money will cost you nothing extra as long as you make timely payments.

To pre-qualify for financing at Fogg’s Automotive, submit an application for financing online to our car finance center near Albany, NY now. For more information about paying cash versus taking out an auto loan, contact or visit Fogg’s Automotive today.