How to Finance a Car

Red 2022 Cadillac XT4


You’ve found the perfect Cadillac. Now, how do you make it yours forever? The Cadillac financing team at Holiday Cadillac is here to help! Financing a car is simple when you know what to do and follow the steps. So Holiday Cadillac is here to make the process stress-free and straightforward by explaining exactly how to finance a car in Oshkosh and Beaver Dam, so you can be one step closer to your dream Cadillac luxury sedan or SUV!

Difference between Leasing and Financing a Car

Before we dive into how to finance a car, what’s the difference between leasing and financing a car? Actually, leasing is a type of financing, and what is often referred to as simply “financing” is actually purchase financing. Here’s the skinny:

Leasing a Car

  • Leasing is a shorter term commitment of two or three years on average.
  • You can return your car at the end of the contract, upgrade to a new vehicle, or buy your vehicle instead.
  • Leasing usually lasts the duration of your bumper to bumper warranty.
  • You must keep the vehicle in good condition with mandatory maintenance and mileage limits, and you can’t modify the vehicle.

Financing a Car (Purchase)

  • Financing is a longer term commitment which ends in total ownership of the car.
  • You are free to drive as much as you’d like in Oshkosh, customize your car, tint the windows, add performance features, and decorate as you see fit.
  • The up-front costs may be more, but the long-term savings are significant compared to a lease.
  • You can sell or trade your vehicle at any time.

How to Finance a Car in Five Steps

Let’s say you’ve decided that Cadillac financing is the best option for you. Learning how to finance a car is simple, and you just need to follow a few steps to get the keys in your hand! Here’s what to do:

  1. Credit Check: We recommend checking your credit score ahead of time. This allows you to get a clearer picture of what you can expect during the Cadillac finance process.
  2. Prequalification: Applying for financing is fast, easy, and secure. Using our free online application, you can enter your basic information and pre-qualify without leaving your living room!
  3. Budget: Once you’ve got your Cadillac finance package in order, you can budget using our monthly payment calculator.
  4. Shop: Start browsing our new or used inventory and take your top candidates on a test drive. Find the Cadillac that fits your budget and lifestyle, and be sure to ask our sales team all of your questions. We’ll make sure that you find the perfect match.
  5. Finalize: Review your loan offer and finalize the details with your Cadillac financing representative. Sign the paperwork and hit the Appleton roads! Then all you need to do is make your payments promptly, and enjoy the ride!

Start Shopping with Holiday Cadillac

We’ve gone through the difference between leasing and financing a car and the process of getting your loan, so let the Cadillac finance experts take over from here. Contact us with your questions and stop by Fond Du Lac to start shopping!


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