Financing with Our Dealership

Baker GMC Big Rapids takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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We'll help you decide whether to get a car loan or a lease

There are two forms of financing that can help you pay for your next vehicle. One approach is a car loan and the other financing option is a lease. A loan is the choice most customers around Reed City and Stanwood MI make because it lets you build cash value in the car, truck or SUV you buy from us. In addition, a car loan allows you to own that vehicle in the future. With a lease, you'll have less money coming out of your pocket even though you can't ever own that vehicle or build any cash value.

Why it makes sense to finance your next vehicle with a car loan

In general, a car loan is the smartest strategy for most people over the long run. A car loan lets you build cash value, or equity, in your car each time you make a monthly loan payment. That cash value can eventually give you thousands of dollars' worth of value to help you buy your next car. Financing with a car loan lets you pay off the loan completely so you can put monthly car payments in your rear-view mirror. Those are advantages that aren't available with a lease.

Reasons to consider financing your next car with a lease

The other financing choice is leasing. When you finance with a lease, it's just like renting that vehicle so at the end of your lease, you won't have any cash value and you can simply return that vehicle to us. The upside is that you won't have to worry about selling the vehicle because you won't own it. A lease does provide you with lower monthly payments and a lower down payment so it can be a good temporary solution if you're crunched for cash.

Flexible Credit Options

Baker GMC Big Rapids can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

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  1. Baker GMC Big Rapids

    14120 NORTHLAND DR
    BIG RAPIDS, MI 49307

    • Sales: (231) 527-9048
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Get in Touch

  • Contact our Sales Department at: (231) 527-9048
  • Monday9:00 am - 7:00 pm
  • Tuesday9:00 am - 8:00 pm
  • Wednesday9:00 am - 8:00 pm
  • Thursday9:00 am - 8:00 pm
  • Friday9:00 am - 6:00 pm
  • Saturday9:00 am - 2:00 pm
  • SundayClosed