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Financing

Car Loans For The Fort Smith Region

Looking for a good rate on a new Chevrolet or Cadillac? How about a used car? Look no further than the financial team at Smith Chevrolet Cadillac! We work with the area's top lenders to secure a fast, low interest car loan in Fort Smith. Whether your credit is good or bad, Smith Chevrolet Cadillac will work with you to find the car loan that fits your budget. Begin the process of securing a Fort Smith car loan by filling out Smith Chevrolet Cadillac's finance form from the comfort of your home or office. We will contact you as soon as we review your application.

Also, feel free to contact us for a car lease in Fort Smith.  Smith Chevrolet Cadillac has a number of leasing options on various cars, trucks, and SUV's. 

Once you get approved come in to our dealership, located at 1215 Highway 71 South, Fort Smith, AR, or search online to browse our extensive inventory of new Chevrolet and used cars from today's top automakers. We know you'll find a car, truck or SUV suiting your lifestyle at Smith Chevrolet Cadillac!

Feel free to contact us online or over the phone anytime at (479) 646-7301.



                          
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Contact Information

Smith Chevrolet Cadillac

1215 Highway 71 South,

Fort Smith, AR 72901
workSales:
(866) 605-3561
serviceService:
(866) 304-5507
partsParts:
(479) 646-1581

Finance FAQ

Check out our online finance FAQ section for important information regarding car lease and loan characteristics.

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Tip!

Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.

Tip!

Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.

Tip!

Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.

Tip!

Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.

Tip!

Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.

Tip!

Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.

Tip!

Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.

If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.