Print

Car Loans & Financing

Irondale Car Loan

For New or Used Car Loan Questions Call: 205-397-0610

Get a Free Irondale Car Loan Quote- Good and Bad Credit Accepted! Land Rover Birmingham helps people with all credit situations. Most people need a car loan to finance their new car or used car purchase. The finance experts at Land Rover Birmingham help people with all types of special finance needs drive their dream car home. Regardless of where you are in the car buying process, request a free, secure auto loan quote. Land Rover Birmingham works with only trusted lenders to bring you low rates and flexible terms. Use this easy guaranteed secure auto loan application and get started with buying a car today!

Lease vs. Buy

Whether you lease or buy a new car, you must know which fits your situation best. When you buy a car, you pay for the whole vehicle. You will usually make a down payment, pay the sales taxes in cash or roll these taxes into your auto loan and pay an interest rate. You usually will make your first payment a month after you sign your contract. This option is great if you like to keep your cars for a long period of time and have a need to put unlimited miles on the vehicle.

When you lease, you are paying only for what you use. You do not have to have money to put down, you typically only pay sales tax on your monthly payments, and are charged with a money factor that is similar to the interest rate on a loan. You make your first payment at the time you sign your contract.

Learn from our trained finance staff about financing your next vehicle.

We are ready to make your auto buying experience a stress free one. Our staff, online or onsite, is ready to help you!

Birmingham Car Loans - Land Rover Birmingham

At Land Rover Birmingham we understand that choosing between various car financing programs can be difficult or confusing. That's why we work to understand our customer's needs, and partner with area and national lenders to offer some great deals on car loans in Birmingham. We provide you with easy to comprehend loan and lease options. Our Alabama car loan experts will explain the details and offer you a customized program.

For a car loan in the Birmingham area, give Land Rover Birmingham's finance team a call at (800) 680-3202, or visit us at 3000 Tom Williams Way. You can also contact us by filling out our financing contact form below, or submitting our online finance application. We look forward to hearing from you, and serving your Alabama car financing needs. We are here to get you behind the wheel of a new Land Rover or used car today!

* indicates required fields.

Contact Information

Contact Information

Land Rover Birmingham

3000 Tom Williams Way

Irondale, AL 35210
sales Sales:
800-680-3202
phone2 Service:
866-460-6074
phone3 Parts:
866-460-6074

Finance FAQ

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

pause

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.