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Apple Honda of Hanover
Finance Center

Buying a car should be easy, and it always is when you shop at our Honda dealer in Hanover, PA. We take pride in providing a hassle-free auto financing process, so come explore our new Honda inventory to find the right price on the right vehicle. You can apply for Honda financing online to get started, then use our car payment calculator to get an estimate for monthly car payments on each model. And if you're on the fence between buying vs. leasing a new Honda model, you can sit down with our auto finance experts to learn about the benefits of each.

To save big on your new or used Honda vehicle, check out our Honda specials for an amazing price. Apple Honda of Hanover also accepts trade-ins, so come sell your car and upgrade to a new Honda vehicle you love. From new Honda Civic lease specials to impressive CR-V financing incentives, there's something for everyone at our Pennsylvania Honda dealer!

Welcome to the Apple Honda of Hanover Finance Center, a trusted one-stop-shop for your financing and leasing needs. Check out the payment estimating tools, helpful information about how auto financing works, and how to prepare for a smooth transaction when buying or leasing a new or used vehicle.

Financing Your Vehicle

How you finance your car will have long-term effects on your transportation budget. This decision requires looking into your future plans, whether upgrading to a new car every few years or holding onto a vehicle for many years after paying it off. Leasing may work well for those seeking low down and monthly payments and flexibility to upgrade at the end of the lease. Purchasing may work best for those who want to pay off a car and keep it or have the ability to trade it in at any time.

Exploring your credit score and report is an essential step in making sure you're qualified and can secure the best interest rate and terms for your purchase or lease. Income and other expenses will guide how much budget you have to work with on a vehicle purchase.

We make the financing process as transparent and smooth as possible, explaining the steps and providing you with the best options available.

Our finance specialists are ready to help you in many ways:

  • Provide you with a payment calculator to help you determine your budget.
  • Access to easy ways to find out the value of your trade-in if you have one.
  • Help you find the best financing option, interest rates, and terms that exceed your expectations.
  • Search through bank and manufacturer offers to find the perfect fit for your unique situation.
  • Keep the process transparent and fast-moving.
  • Offer extended warranties and services to protect your investment.

Fill out our application, which will help save time and get you closer to being on the road with your new vehicle. Have your income and vehicle information handy. The more details we have, the easier it will be to complete the application process and get you on the road.

Honda Finance Center

Once you've chosen the new or used vehicle or a price point that matches your budget and lifestyle, it's time to find the best financing option to help meet your goal. Our Honda financing team will guide you through every step of the way, helping you decide if buying or leasing is your best option. Loans also vary in length, balancing payment size and how many months it takes to pay off. As with any type of financing, shorter terms usually mean less interest paid, but the monthly payment amount will be higher.

Our website's finance center tools include Finance Application, Finance Products, Value Your Trade, and a Payment Calculator. You can find your trade-in value with your make and model, VIN, and license plate.

Protect Your Investment

Protect your investmentthrough a variety of options:

  • Extended warranties with emergency roadside assistance.
  • GAP insurance covers gaps in insurance deductibles and pays off your loan should your vehicle be totaled.
  • The Platinum Plus maintenance service plan covers wear and tear items, repairs, and roadside assistance.
  • Luxcare XT Protection protects exterior and interior finishes if cosmetic damage occurs.
  • Road Hazard Protection repairs or replaces damages incurred from road hazards and includes roadside assistance.

Payment Calculator

Estimate your monthly payment quickly to determine whether potential financing and purchasing scenarios work for you. Just input the purchase price, down payment, interest rate, and loan term, and you'll receive a custom estimated monthly payment. Adjust the inputs and see how your payment goes up or down based on the various scenarios. Interest rates and other terms may vary based on factors like your credit score and debt-to-income ratio.

Buying Versus Leasing

Choosing to buy or lease is one of the first decisions when preparing to buy a new or used car. Financing is more than simply making payments for three to five years and paying off the loan. Leasing offers lower down and monthly payments but brings some restrictions like mileage limits.

A financed vehicle is yours, so you're able to customize it as you see fit, adding a trailer hitch, upgrading the stereo, or adding other finishing touches. While payments and down payments may be higher for a financed vehicle, you can keep it, sell it, or trade it in at any time. There are no mileage limits, so you have the flexibility and don't have to worry about commutes or vacations adding too many miles. Buyers are responsible for all upkeep and maintenance on their vehicles that aren't covered by warranty.

Leases last for a specified period, at which time you return the vehicle or have the option to purchase it. Since leases are shorter, frequently upgrading to a new car is easy. Down payments are low or even zero, depending on the lease terms. Monthly payments are often lower than purchasing. Mileage limits apply, so it's essential to look at how much driving you may do in the future. Upkeep and maintenance follow the dealer's recommendations.

Finding the Best Financing Option for You

We specialize in finding the best financing options for each buyer's unique situation, helping those with all types of credit and budget needs. We'll be creative in finding the best ways to help you meet your goals.

Interest rates and terms vary depending on credit scores and debt-to-income ratios. More favorable rates and terms are available for those with higher credit ratings and more available income to cover a payment. Less than ideal credit leads to higher interest rates and fewer lenders who can provide loans. Credit scores vary from 300 to 850, with scores in the 550 to 650 range falling into subprime territory. Scores over 700 lead to more favorable interest rates and more financing options. Car payments and insurance should be under 20% of your income for budgeting purposes.

Overall debt-to-income ratios should have you paying less than half of your income toward debt service. Car payments and insurance shouldn't exceed 20% of your income. We can help you review your monthly expenses when determining your vehicle budget.

Finance with Apple Honda of Hanover, PA

The finance specialists of Apple Honda of Hanover look forward to getting you the financing that fits your budget while getting you into the vehicle of your dreams. We provide you with a hassle-free auto financing process, which you can even start online from the comfort of your own home. Stop to see us today at 1226 Carlisle St. in Hanover, PA or give us a call at 877-394-0418.