Finance Center

At Audi Pensacola, we've worked hard to create a team of experienced automotive finance experts that can help you get behind the wheel of the new Audi you've always wanted.

You can even apply for financing conveniently online where your information is always secure.

Apply today and one of our finance experts will review your application and contact you directly to discuss options.

Auto Lease vs. Buying A Car

We know that when it comes to choosing between buying or leasing your next car, you may be left with more question than answers. That's why at Audi Pensacola we've come up some important information to help make an informed decision.

We hope you find it to be informative and useful.

Here's a quick and easy way to think of buying vs. leasing:

  • When you buy the new Audi or used car you pay for the entire cost of the vehicle.
  • When you lease a new Audi, you pay for only a portion of the vehicle's cost, which is the part you use during the time you are driving it.

Frequently Asked Questions - Buying: Who Owns It?

When you buy a car, whether it's with cash, or by financing it and making monthly payments, it's yours.

Of course, if you're financing it, you'll have to meet the obligations to the lender, like a certain down payment amount and timely monthly payments, in order to maintain ownership. Otherwise, they have the right to repossess it.

Up-Front Costs
If you're financing your car, the bank will probably request a down payment. You can also trade-in another vehicle and use any equity towards your down payment. The amount of the down payment is usually based on the lender's requirements and your credit score.

Future Values
Your vehicle will be worth whatever you can sell it for in the future and that depends on how well you maintain it.

QUICK TIP: Smart car owners protect their investments with regular scheduled maintenance and appearance upkeep to ensure the best resale value possible.

End of Payment
Once you've paid off what you owe on your contract, that's it. The vehicle you financed is now 100% yours!

The lending institution will send you a Lien Release as proof that the vehicle is completely paid off and you no longer owe them anything.

Frequently Asked Questions - Leasing: Who Owns It?

You do not own the car when you lease. You're paying for the use of the vehicle, but the finance institution that you leased it through actually owns it. This is usually why you pay less per month in a lease than if you were to buy the car.

Up-Front Costs
Leases may or may not require a down payment depending on your credit and the type of car leased. Other upfront costs include first month's payment, a security deposit, the acquisition fee, and other fees and taxes.

But, as with a purchase, if you want to lower your payment, you can always pay more upfront.

QUICK TIP: It's smart to protect leased cars against wear and tear with appearance upkeep and maintain the required regular scheduled maintenance to avoid unnecessary fees.

Future Values

In most leases you don't end up owning the vehicle, so you don't end up selling it; that's the financial institution's job. It is also important to keep in mind that there may be mileage limits and wear and tear guidelines that, if you exceed them, could cost you extra money when you turn your vehicle back in.

End of Payment
There are 3 different options lessees face when it comes to the end of their payment term: buy the vehicle, trade-in for a new model, or simply return.

If your goal is to trade-in or buy, it's important to ask your salesperson BEFORE you sign any paperwork at the beginning of the lease, to ensure your lease is set up this way.

Best Cars To Lease
The best cars to lease are those with the best book value after the term of the lease. Since they depreciate less, you'll end up paying less. Review the lease ratings to see which cars retain their value.

Quick & Easy Financing
Worried about your credit? Don't be. At Audi Pensacola, our friendly finance managers work with people from all over to ensure our customers get the right finance program at the most competitive rates.

Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.

Get Pre-Approved Today

Whether your credit is perfect or not so great, we can custom design the right financing package for your next vehicle purchase. Audi Pensacola's loan process can help you find the best interest rate for your next vehicle purchase.

We have hundreds of new and used vehicles for immediate delivery and access to some of the lowest interest rates in the business.

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect, or not so perfect, we can help!

Complete our online financing application and our team of finance professionals will begin working for you.

Your privacy is important to us.

Audi Pensacola takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

Audi Pensacola

6303 Pensacola Blvd.
Directions Pensacola, FL 32505

  • Sales: (844) 320-3521
  • Service: (844) 320-3521
  • Parts: (844) 320-3521

Hours

  • Monday 9:00AM - 7:00PM
  • Tuesday 9:00AM - 7:00PM
  • Wednesday 9:00AM - 7:00PM
  • Thursday 9:00AM - 7:00PM
  • Friday 9:00AM - 7:00PM
  • Saturday 9:00AM - 6:00PM
  • Sunday Closed
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