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Auto Financing and Lease Options at Bergey's Subaru of Hanover
Bergey's Subaru of Hanover takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
We Make it Easy!
Should You Lease Your New Bergey's Subaru of Hanover Vehicle?
Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.
Benefits of Financing
Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.
Flexible Credit Options
Bergey's Subaru of Hanover can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.
Frequently Asked Questions
This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
Ready to begin?
Auto Financing and Lease Options at Bergey's Subaru of Hanover
At Bergey's Subaru of Hanover, we understand that purchasing or leasing a vehicle is one of the most significant financial decisions you'll make. That's why our experienced finance team is dedicated to finding the right financing solution that fits your budget and lifestyle. As a family-owned business serving the Hanover community since 1924, we're committed to treating you with the same respect and transparency we'd want for our own family members.
Financing for All Credit Situations
We believe everyone deserves reliable transportation, regardless of their credit history. Our finance team specializes in finding solutions for customers with various credit profiles:
Excellent Credit
Take advantage of the lowest available interest rates and most favorable terms. You'll have access to manufacturer incentives and promotional financing offers.
Good Credit
Enjoy competitive rates and flexible terms. Our lenders offer attractive financing packages for customers with solid credit histories.
Rebuilding Credit
Let us help you rebuild your credit while getting the reliable transportation you need. We work with lenders who specialize in helping customers improve their credit standing.
First-Time Buyers
Starting your credit journey? We have programs specifically designed for first-time buyers to help establish credit history while getting you into a dependable Subaru.
Special Financing Programs
Bergey's Subaru of Hanover proudly offers additional financing benefits through Subaru's special programs and our own exclusive offerings:
Military Incentive Program
Active-duty military, reserves, veterans, and military retirees may qualify for special rates and bonus cash incentives. We're proud to support those who serve our country.
College Graduate Program
Recent graduates and students within six months of graduation can take advantage of special financing rates and cash incentives to start their post-graduation life with reliable transportation.
Guaranteed Trade-In Program
Know your vehicle's value before you even visit our showroom. Our guaranteed trade-in program provides peace of mind and helps with your down payment.
Trade-Up Advantage Program
Want to upgrade to a newer Subaru? Our Trade-Up Advantage program makes it easier to move into a newer model with better terms and payments.
Simple Application Process
Getting pre-approved for financing is easier than ever with our streamlined process designed to save you time and reduce stress:
Step 1: Apply Online
Complete our secure online application in just a few minutes. You'll need basic information about your employment, residence, and desired vehicle.
Step 2: Quick Review
Our finance team reviews your application and works with our lending partners to find the best available terms for your situation.
Step 3: Get Pre-Approved
Receive your pre-approval decision, often within hours. Know your budget before you shop, giving you confidence and negotiating power.
Step 4: Choose Your Subaru
Browse our inventory knowing exactly what you can afford. Test drive your favorites and select the perfect Subaru for your needs.
Step 5: Finalize and Drive
Complete the paperwork, sign your contract, and drive home in your new Subaru. The entire process can often be completed in one visit.
Why Choose Bergey's Finance Team?
Extensive Lender Network
We work with multiple banks, credit unions, and specialty lenders to find you the best possible terms and rates for your unique situation.
Transparent Process
No hidden fees or surprise charges. We explain all terms clearly and ensure you understand every aspect of your financing agreement.
Experienced Team
Our finance professionals have years of experience helping customers navigate the financing process and secure the best possible terms.
Customer-First Approach
We prioritize your long-term satisfaction over short-term profits, working to find financing that works for your budget and lifestyle.
Maximize Your Trade-In Value
Trading in your current vehicle can significantly reduce your new car payment. Our appraisal experts provide fair, competitive trade-in values based on current market conditions.
- Professional appraisal using current market data
- Instant online trade estimate available
- Trade equity applied directly to your down payment
- We handle all paperwork and title transfers
- Tax advantages - you only pay tax on the difference
Vehicle Protection Plans
Protect your investment with our comprehensive vehicle protection options. These plans can often be included in your financing, spreading the cost over your loan term:
Current Financing Offers
Take advantage of manufacturer-sponsored financing incentives and our exclusive financing promotions. We regularly offer competitive APR rates, cash back incentives, and special financing terms on select new Subaru models. Contact our finance team for the most current offers and to see which incentives you may qualify for.
Frequently Asked Questions
What information do I need to apply for financing?
You'll need your driver's license, proof of income (pay stubs or tax returns), proof of residence, and information about your current debts and monthly expenses.
How long does the approval process take?
Most applications receive a decision within a few hours. Some situations may require additional documentation, which could extend the process by a day or two.
Can I get financing with bad credit?
Yes! We work with lenders who specialize in helping customers with less-than-perfect credit. While rates may be higher, we can often find a solution that works for your budget.
Should I finance or lease my Subaru?
The choice depends on your driving habits, budget, and preferences. Our finance team can help you compare both options based on your specific situation.
What's the difference between APR and interest rate?
The interest rate is the cost of borrowing the principal loan amount. The APR (Annual Percentage Rate) includes the interest rate plus additional fees and costs, giving you a more complete picture of the loan's total cost.
Can I pay off my loan early?
Most of our financing options allow early payoff without penalties. This can save you money on interest charges over the life of the loan.
Get Started Today
Ready to explore your financing options? Start with our quick online application or visit our finance team at 1726 Carlisle Pike in Hanover, PA. We're here to help you drive home in your perfect Subaru with confidence and peace of mind.
Contact Our Finance Team
Have questions about financing or want to discuss your options in person? Our experienced finance professionals are ready to help.
Phone: (717) 637-6664
Address: 1726 Carlisle Pike, Hanover, PA 17331
Serving customers from Hanover, Westminster, Taneytown, Gettysburg, and Littlestown with honest, transparent financing solutions since 1924.
Your privacy is important to us.
Bergey's Subaru of Hanover takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.
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Bergey's Subaru of Hanover
1726 Carlisle Pike
Hanover, PA 17331
- Sales: (717) 637-6664
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