Let's be real, a V-Series is a want, not a need. But how you pay for it makes a big difference in what it actually costs you. Here's how to finance a Cadillac performance model the smart way, whether you've got your eye on a CT5-V, an Escalade V-Series or the all-electric LYRIQ-V.
Get Pre-Qualified First
Before you fall for a specific car, find out where you stand. You can get pre-qualified online before you ever come in. It gives you a realistic budget and makes things move a lot faster once you're here.
Know What Your Trade Is Worth
Your current vehicle is probably your biggest down payment. Get your trade-in value before you visit so you know your numbers going in. A solid trade lowers the amount you finance, which lowers your payment and the interest you pay over the life of the loan.
Look Past the Monthly Payment
A longer loan term gets you a lower payment, but you'll usually pay more interest overall. A shorter term costs more each month and less in total. Neither one is wrong. Just look at the total cost and not only the monthly number, so you know what you're signing up for.
Check for Cadillac Offers
Cadillac Financial sometimes runs special APR offers for well-qualified buyers, and Cadillac often has loyalty offers for current owners and lessees. These change month to month and vary by model, so check our current offers or just ask us what's running on the car you want.
Finance or Lease?
If you like keeping a car for years and putting a lot of miles on it, financing usually makes more sense since you're building equity. If you like getting into the newest model every few years, leasing can get you into a V-Series for less each month. Just keep in mind that leases come with mileage limits. Our finance team can run both so you can compare them side by side.
Budget for the Extras
Performance cars come with a few extra costs worth planning for. Insurance can run higher, and performance tires wear faster than regular ones. If you're going electric, think about a home charger too. None of this should scare you off. It just helps to know about it up front.
Talk to Our Finance Team
Visit our finance center to look at your options, or stop by 2600 Harbor Blvd in Costa Mesa and we'll walk you through it. Want to see what's in stock first? Check out the CT5-V, the Escalade V-Series or the LYRIQ-V.
All financing is subject to credit approval. Special APR and loyalty offers are set by Cadillac and Cadillac Financial, vary by model, change often and can end at any time. Not all buyers will qualify. See Costa Mesa Cadillac for details.
