315-734-5939

315-853-3866

JERRY SMITH AND SONS CAR CARE CENTER  PRE OWNED CARS used pre owned cars for sale Westmoreland Utica ny new Hartford

CNY HONDAS GREAT DEALS  WESTMORELAND NY Utica

             


4773 Route 233 Westmoreland, NY 13490

Our Payment $aver financing option offers monthly payments that are considerably lower than conventional financing available for loans $12,000 or greater.... with little to no money down!

Our
Payment $aver is a lease-like program, only you OWN the vehicle, and there are plenty of end-of-term options:




Offering payments per month with as little as $0 down, cash or trade value. Excludes taxes, title, and fees.  Not all buyers will qualify. Amount of down payment and other factors may affect qualification. Payment will be based on listed selling price. 


2016 - 2010 vehicles

24-81 Months Available:  With as little as $0 down, cash or trade value. Excludes taxes, and fees. As low as 2.19% APR only for qualified buyers. Amount of down payment and other factors may affect qualification. Payment will be based on  listed selling price.  

2008 and Older

24-51 Months Available:  With as little as $0 down, cash or trade value. Excludes taxes, title, and fees. 66 month,  As low as 4.99% APR only for well-qualified buyers. Amount of down payment and other factors may affect qualification. Payment will be based on  listed selling price.   






We work with many different lenders to guarantee you the best rate and loan terms possible for owning and our lease like program - whichever YOU choose!!!

                SPECIAL FINANCING OPTIONS!!! 

CLICK HERE TO APPLY WITH OUR FAST, EASY & SECURED APPLICATION!

Payment $aver Auto Loans make it easier to drive a car that suits your lifestyle with a payment that fits your budget.


- Drive a newer car with lower maintenance costs


-A safer car 


-Or a larger car to accommodate your family.

- Payment $aver "Lease - Like" Option


Interest Rates As Low As
1.89%Up To 63 Months And 3.19 %Up To 81 Months
                             OR
Offering A "Payment $aver Lease - Like" Option on 2013 - 2017 Models From 36 months - 72 Months
                             AND
Financing All Credit Levels From Perfect, To Challenged, To Bad, And No Credit At All


Scroll below to see the details of each financing option, to help you make your decision on which type is best for you!

1. Return the vehicle back to the dealership

2. Use the equity in your vehicle towards your next purchase

3.Exercise your "below value" purchase option and keep driving your vehicle

* You own the vehicle (titled in your name!)

Payment $aver financing requires no money down and has no hidden costs typically found in leasing.

* You can finance a vehicle up to 4 years old.

* You can carry the level of auto insurance you choose.


* You can choose from 3 different mileage limits to meet your driving needs (12,000) (15,000) or (18,000) ! With no overage fees if you elect to refinance and keep the vehicle  the end of your chosen term!



* You can negotiate the vehicle purchase price like a cash purchase with the dealer. This gives you a stronger basis of price negotiation and can potentially
save you thousands of dollars on your vehicle purchase.

* A Great Option In Financing, A Newer Vehicle, At A Lower Payment, For A Shorter Term

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* Pre Owned vehicles (up to 4-years old) qualify for the Payment $aver program. With terms ranging from 36-72 months, discover how Payment $aver makes sense for your auto financing needs!

- Owning / Conventional Auto Loan