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Category Archives: Acura of Springfield

Auto Loan Calculators – What to Watch For

Auto Loan Calculators – What to Watch For

In the car-buying process, most Acura shoppers want to know what they can afford and how much their payment will be. It’s understandable – buying a car is a big decision, and one of the most expensive ones you’ll make in your life. An auto loan calculator is available on most car manufacturer websites as well as from virtually every lending source imaginable.

Auto loan calculators are a very helpful tool for the shopping process, but there are a few things you need to watch out for. If you aren’t diligent, you could set yourself up for disappointment.

Make Sure the Auto Loan Calculator Includes Taxes

If you’re inputting your potential car purchase into the auto loan calculator, you want to make sure it includes sales tax. On a new or used Acura purchase, that can add up quickly. You know that you’ll have to pay taxes, but you’ll want to know how it affects your payment too. Many calculators require you to check a box to include tax on the car payment amount.

Use a Conservative Interest Rate

When you’re looking on the Acura website, you’ll have the option of using the advertised subvented interest rate. You can also enter a customized rate. This is just for an approximate amount, and it’s not necessarily what you’ll be approved for. If you know you have credit issues or you haven’t developed your credit very much yet, you should expect an interest rate that’s higher than advertised.

Consider Any Extras

Like any major purchase, you’ll be offered valuable and protective coverages. GAP insurance can cover you against depreciation costs if your vehicle is a total loss. An extended warranty can save you big money in repair costs. Life and disability insurance can protect you and your loved ones against unexpected expenses. Always account for some leeway in your payment when you use auto loan calculators.

 

When you’re shopping for an Acura, a good idea is to use the calculator on the ‘Build & Price’ tool. Even better is to contact Jay Wolfe Acura of West County. You can get accurate payments and even get pre-approved for your new car!

Acura Financial Services Gets You On the Road Fast

Acura Financial Services Gets You On the Road Fast

Once you’ve found the Acura you want, you just want to take it home with you. Unfortunately, there’s still a bit of work to be done. Unless you’re paying cash for your new Acura, you’re going to need financing. Regardless whether you want to lease or finance your new ride, you want to choose a…

Do I Need a Down Payment for My Acura?

Do I Need a Down Payment for My Acura?

You may not have a bunch of money just laying around, or you may have your hard-earned cash working for you in other ways. When the time comes to buy a new Acura, it can be a little confusing. Do you need a down payment to buy an Acura, or can you make your purchase…

It’s Valuable to Shop at the Acura Dealer, and Here’s Why

It’s Valuable to Shop at the Acura Dealer, and Here’s Why

You’re shopping for a new or used Acura in Springfield, or you need your Acura TSX repaired from a collision. The Check Engine light is on in your Acura MDX or you could use a few accessories for your new ILX. But where should you go? Surely it’s not the Acura dealer, is it? It…

Can I Get Acura Financing for My New Car?

Can I Get Acura Financing for My New Car?

The fun part about buying a car is the shopping. You get to visit the Acura dealership and test drive all the new models. The fun to drive Acura TLX, the spacious MDX, the elegant RLX – it’s a blast getting to know and experience all the technology and enjoying the test drive. But once…

Is It Safe to Submit an Online Credit Application?

Is It Safe to Submit an Online Credit Application?

You want to buy a car but you’re not sure how much you can finance? You’ve had credit problems in the past but need a new vehicle? Your work or relationship status has changed and you’re not sure if you can still buy a car? One common option on a dealership’s website is to submit…

Could a Used Acura Be Right For You?

Could a Used Acura Be Right For You?

It’s understandable – it’s not always a great time to buy a new car. Bills continue to stack up, cost of living expenses never go down, and life circumstances are always changing. Money is often tight, so you may have to forego a new car this time around. If that’s the case, is a used…

Should You Trade In or Sell Your Car?

Should You Trade In or Sell Your Car?

When you’ve come to the conclusion that it’s time for a new Acura, you’re well on your way. One of the hurdles that still remains for many buyers is parked in your driveway. It’s your old car. What do you do with it? Do you trade in or sell your car to make room for…

Should You Lease or Finance Your Acura?

Should You Lease or Finance Your Acura?

Sometimes, the easiest decision when you’re buying a car is deciding on the right make and model for you. Once you’ve discovered Acura, that choice is even simpler. Every Acura model is packed full of the features you want, steeped in performance, and backed by a fantastic warranty. So it may come as a surprise…

Make Your Acura Test Drive Really Count

Make Your Acura Test Drive Really Count

Car shopping can be quite fun as you test drive a bunch of different models. Inevitably, Acura is going to be on your short list because of how great the Acura experience is. But even though you know they are great cars, how can you tell which one is right for you? Your decision is…