Understanding Vehicle Financing: Tips for Getting the Best Deal at Dave Cross Motors in Lee’s Summit, Missouri
When it comes to purchasing a vehicle, one of the most important steps in the process is understanding how financing works. At Dave Cross Motors in Lee’s Summit, Missouri, we want to make sure you feel confident and informed when it comes time to finance your new or pre-owned vehicle. Whether you’re a first-time buyer or a seasoned car shopper, our goal is to help you get the best deal possible. Here’s everything you need to know about vehicle financing and tips for securing the best deal.
1. Know Your Credit Score
Your credit score plays a key role in the financing process, as it helps lenders determine the interest rate and loan terms you will be offered. The better your credit score, the more favorable your financing terms will likely be. Before you begin the car-buying process, it’s a good idea to check your credit score and address any issues that may affect your score.
Tips for improving your credit score:
- Pay off outstanding debts or credit cards.
- Make sure all payments are made on time.
- Reduce your credit utilization ratio (the amount of credit you’re using versus your available credit).
At Dave Cross Motors, we offer a range of financing options, so don’t worry if your credit isn’t perfect. Our team works with all types of credit to find the right financing plan for you.
2. Determine Your Budget
Knowing how much you can afford to spend each month is essential when considering a car loan. It’s important to factor in not just the cost of the car, but also additional costs like insurance, taxes, registration, and maintenance. Use an online loan calculator or speak with our finance team to get an estimate of your monthly payments based on the loan term, down payment, and interest rate.
Consider these factors:
- Down payment: A larger down payment will reduce your loan amount and monthly payments.
- Loan term: A shorter loan term will save you money on interest, but your monthly payments will be higher. A longer-term will result in lower payments but may cost you more in interest over time.
- Additional costs: Don’t forget to account for insurance, fuel, maintenance, and other fees when calculating your monthly budget.
3. Get Pre-Approved for Financing
One of the best ways to ensure you’re getting the best deal is by getting pre-approved for financing before you visit the dealership. When you’re pre-approved, you’ll have a clearer idea of how much you can borrow and what your interest rate will be. This also gives you more negotiating power when it comes time to finalize the terms of the deal.
At Dave Cross Motors, we make it easy to get pre-approved for financing. You can apply online or speak with one of our finance experts, who will guide you through the process and help you find the best financing options.
4. Shop Around for the Best Rates
Not all lenders offer the same interest rates, so it’s worth shopping around to compare options. While dealerships often offer financing options, you can also check with your bank or credit union to see if they can offer you a better deal. Keep in mind that your credit score will impact the rates you’re offered, so it’s a good idea to compare rates from multiple lenders to ensure you’re getting the best deal possible.
At Dave Cross Motors, we work with multiple lenders to offer competitive rates and flexible financing options. Our goal is to make sure you get the financing plan that best fits your budget and needs.
5. Understand the Terms of Your Loan
When reviewing your loan agreement, it’s important to understand all the terms and conditions, including:
- The interest rate: This is the percentage the lender will charge you for borrowing money. A lower rate means you’ll pay less over the life of the loan.
- The loan term: This is the length of time you have to repay the loan, typically ranging from 36 to 72 months.
- Prepayment penalties: Some loans may charge a penalty if you pay off the loan early. Make sure you understand whether this applies to your loan.
- The total cost of the loan: Take into account not just your monthly payment, but the total amount you’ll pay over the life of the loan, including interest.
Don’t hesitate to ask our finance team any questions you may have about the loan terms. We’re here to make sure everything is clear before you sign the agreement.
6. Look for Manufacturer Incentives and Rebates
Many manufacturers offer special incentives, rebates, or financing offers throughout the year. These promotions can include low-interest financing, cashback offers, or even deferred payment options. It’s a good idea to check if any current promotions are available before finalizing your financing.
At Dave Cross Motors, we’ll keep you informed of any special offers or incentives that could help you save on your vehicle purchase. Be sure to ask our team about current promotions when you visit us.
7. Consider Leasing vs. Buying
In addition to traditional financing, leasing is another option that may be a good fit for your needs. Leasing typically offers lower monthly payments compared to buying, but you won’t own the car at the end of the lease term. Leasing can be a great option if you prefer to drive a new vehicle every few years and don’t want to deal with long-term maintenance costs.
If you’re unsure whether to lease or buy, our team at Dave Cross Motors can help you understand the pros and cons of both options and guide you toward the right choice.
8. Don’t Rush the Decision
Financing is a big decision, so don’t feel pressured to make a choice on the spot. Take your time to consider your options, compare rates, and ensure you’re getting the best deal possible. We’re here to help you every step of the way, and our team will work with you to find a financing plan that suits your budget and lifestyle.
Visit Dave Cross Motors for All Your Financing Needs
At Dave Cross Motors in Lee’s Summit, Missouri, we’re committed to making the car-buying process as easy and stress-free as possible. Whether you’re buying new or pre-owned, our knowledgeable finance team is here to help you secure the best financing deal for your next vehicle purchase. Visit us today or apply for financing online to get started!
Are you ready to upgrade your driving experience with a compact SUV that blends style, performance, and advanced features? The 2025 Buick Encore is the perfect choice, and it’s now available at Dave Cross Motors in Lee’s Summit, Missouri. Whether you’re commuting around town or heading out for a weekend getaway, the 2025 Buick Encore offers a refined, comfortable ride with all the technology and safety features you need. Let’s dive into what makes this SUV stand out, including its trims and features!
Trims and Options for the 2025 Buick Encore
The 2025 Buick Encore is available in three well-equipped trims: Encore, Preferred, and Essence. Each trim offers a unique set of features designed to meet different driving needs and preferences. Here’s a breakdown of what you can expect from each trim:
- Encore: The base trim still delivers a premium experience, with a 1.2L turbocharged engine, offering 137 horsepower and an impressive blend of fuel efficiency and power. Standard features include Apple CarPlay®, Android Auto™, a 7-inch touchscreen display, and a Wi-Fi hotspot, ensuring you stay connected wherever you go. The Encore also includes advanced safety features such as Forward Collision Alert, Lane Departure Warning, and Automatic Emergency Braking.
- Preferred: Building on the base model, the Preferred trim adds more luxury with an upgraded 8-inch touchscreen, keyless entry, and an auto-dimming rearview mirror. You’ll also find 18-inch aluminum wheels for a more stylish and refined look. The Preferred trim enhances both comfort and convenience, making it ideal for those looking for a little extra.
- Essence: For those seeking top-tier features, the Essence trim delivers the ultimate in comfort and technology. With leather upholstery, a power-adjustable driver’s seat, and an 8-way power passenger seat, the Essence ensures every drive is as comfortable as it is enjoyable. You’ll also enjoy LED headlights, rear parking sensors, and an upgraded sound system for an enhanced driving experience. Additionally, the Essence trim comes with the Driver Confidence Package, which includes more advanced safety features such as Blind-Spot Monitoring and Rear Cross-Traffic Alert.
Advanced Technology Features
No matter which trim you choose, the 2025 Buick Encore is equipped with the latest technology to make your driving experience as convenient and connected as possible. Every model comes standard with Apple CarPlay® and Android Auto™, allowing you to seamlessly integrate your smartphone with the vehicle’s infotainment system. The Encore also offers a Wi-Fi hotspot, so you and your passengers can stay connected while on the go.
For those who want even more convenience, the Essence trim offers a Bose® premium audio system, perfect for audiophiles who appreciate rich, clear sound during every drive. The 8-inch touchscreen offers easy access to navigation, apps, and settings, while the available wireless charging pad keeps your devices powered up without the hassle of cords.
Safety Features You Can Count On
The 2025 Buick Encore is designed with your safety in mind. Standard on all trims are Forward Collision Alert, Lane Departure Warning, and Automatic Emergency Braking. These features help you stay aware of your surroundings and mitigate the risk of accidents.
The Essence trim takes it a step further with the Driver Confidence Package, which includes features like Blind-Spot Monitoring and Rear Cross-Traffic Alert. The Encore also offers Rear Park Assist and Parking Sensors, ensuring that parking and maneuvering in tight spaces is easier than ever.
Performance and Efficiency
The 2025 Buick Encore is powered by a 1.2L turbocharged 3-cylinder engine that produces 137 horsepower. This efficient engine is paired with a 6-speed automatic transmission and delivers a smooth, responsive driving experience. The Encore boasts an impressive up to 32 MPG on the highway, making it an excellent choice for those who want an SUV that doesn’t compromise on fuel efficiency.
Front-wheel drive is standard, but all-wheel drive is available on all trims, providing added stability and control in various driving conditions. Whether you’re navigating the city or heading off the beaten path, the 2025 Buick Encore offers a balanced, confident ride.
Why Visit Dave Cross Motors?
At Dave Cross Motors in Lee’s Summit, Missouri, we are proud to offer the 2025 Buick Encore to our customers. Our friendly, knowledgeable sales team is here to help you choose the perfect trim and features for your needs, and we make the car-buying process easy and hassle-free.
Whether you’re looking for a test drive or more information about financing options, we’re here to assist you every step of the way. With our great selection and personalized customer service, you’ll quickly see why Dave Cross Motors is the preferred destination for Buick vehicles in Lee’s Summit, Missouri.
Ready to experience the 2025 Buick Encore for yourself? Visit us today at Dave Cross Motors in Lee’s Summit, Missouri, and take this stylish and feature-packed SUV for a spin!
If you’re in the market for a versatile and powerful pickup truck, the GMC Sierra 1500 is an excellent choice. Known for its rugged performance and luxurious features, the Sierra 1500 offers a range of trims to suit various needs and preferences. At Dave Cross Motors, we’re excited to break down the different trims of the Sierra 1500 so you can find the perfect fit for your lifestyle.
1. Sierra 1500 Pro
The entry-level Pro trim provides a solid foundation for those who need a reliable workhorse. It comes equipped with a powerful 2.7L Turbo engine that delivers robust performance, making it perfect for heavy lifting. Standard features include a 7-inch touchscreen infotainment system, Apple CarPlay and Android Auto compatibility, and a suite of safety features like automatic emergency braking and lane-keeping assist.
2. SLE
The SLE trim builds on the Pro’s foundation, adding more comfort and technology features. It includes an upgraded 8-inch touchscreen, keyless entry, and a power-adjustable driver’s seat for added convenience. The SLE is also available with the option of a more powerful 5.3L V8 engine, providing even more towing capability for those who need it.
3. SLT
For those looking for a blend of luxury and capability, the SLT trim is an ideal choice. It features leather upholstery, a heated steering wheel, and dual-zone automatic climate control. The SLT also offers advanced technology, including a premium sound system and additional driver assistance features. With the option of either the 5.3L V8 or a 6.2L V8 engine, the SLT provides ample power for any task.
4. Elevation
The Elevation trim is designed for those who want a more aggressive look without compromising on features. With its unique black accents and bold styling, the Elevation stands out on the road. It includes many of the features found in the SLE trim, plus a larger infotainment screen and available all-wheel drive for enhanced handling.
5. AT4
The AT4 trim is perfect for off-road enthusiasts. It comes equipped with features like a two-inch factory lift, off-road tires, and skid plates for added protection. The AT4 also includes a powerful 6.2L V8 engine option, ensuring you have the capability to tackle rugged terrain. Inside, you’ll find a luxurious cabin with all the latest technology and comfort features.
6. Denali
The Denali trim represents the pinnacle of luxury in the Sierra 1500 lineup. It features premium leather upholstery, real wood accents, and advanced technology like a heads-up display and a surround-view camera system. The Denali is equipped with the 6.2L V8 engine as standard, providing exceptional performance and towing capacity. It’s designed for those who want a truly upscale driving experience without sacrificing capability.
Choosing the Right Trim
At Dave Cross Motors, we understand that every driver has unique needs. Whether you’re looking for a rugged work truck, a luxury vehicle for family outings, or a capable off-roader, the GMC Sierra 1500 has a trim to match. Our knowledgeable team is here to help you explore these options in person, answer any questions, and assist you in finding the perfect Sierra 1500 for your lifestyle.
Visit us today to test drive the GMC Sierra 1500 and discover why it’s one of the most popular trucks on the market
Are you ready to dive into summer savings? Dave Cross Motors in Lee’s Summit, Missouri, is thrilled to announce our Summer Splash Used Car Sales Event! This is your golden opportunity to drive away in a high-quality pre-owned vehicle at an unbeatable price.
At Dave Cross Motors, we pride ourselves on offering an exceptional selection of pre-owned Buick and GMC vehicles. Our commitment to quality and customer satisfaction ensures that every vehicle on our lot meets our rigorous standards. Whether you’re looking for a stylish Buick SUV or a rugged GMC truck, we have the perfect vehicle to suit your needs and budget.
Incredible Deals on Pre-Owned Vehicles
During our Summer Splash Used Car Sales Event, you can find a wide range of pre-owned vehicles priced under $20,000! These vehicles are not only affordable but also come with the reliability and performance you expect from Buick and GMC.
Featured Vehicles
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- Buick Enclave: Experience luxury and comfort with this spacious SUV, perfect for family trips or daily commutes.
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- GMC Sierra: Get the job done with this powerful and dependable truck, ready to tackle any challenge.
Why Buy Pre-Owned?
Purchasing a pre-owned vehicle from Dave Cross Motors means you’re getting a great deal on a vehicle that has been thoroughly inspected and certified by our expert technicians. Our pre-owned vehicles come with:
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- Comprehensive Warranty Options: Enjoy peace of mind with our various warranty plans.
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- Vehicle History Reports: Know the complete history of your vehicle before you buy.
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- Flexible Financing: Our finance department is here to help you secure the best loan terms available.
Visit Us Today!
Don’t miss out on these fantastic deals! Visit Dave Cross Motors in Lee’s Summit, Missouri, to take advantage of our Summer Splash Used Car Sales Event. Our friendly and knowledgeable staff are here to assist you in finding the perfect vehicle at a price that fits your budget.
Shop now and make a splash this summer with a quality pre-owned vehicle from Dave Cross Motors! For more information, visit our website or contact our sales team today.
Sizzling Summer Sales Event at Dave Cross Motors
Summer is here, and there’s no better time to get behind the wheel of a new or used Buick or GMC at Dave Cross Motors in Lee’s Summit, Missouri! We are thrilled to announce our Sizzling Summer Sales Event, running now through July 31st. This is the perfect opportunity to find your dream car, truck, or SUV at unbeatable prices.
Test Drive and Win a Yeti Cooler!
Not only do we have amazing deals, but we are also adding some extra excitement to your car shopping experience. When you test drive any vehicle at Dave Cross Motors during our Sizzling Summer Sales Event, you will be entered to win a brand new Yeti cooler! Imagine cruising around town in your new ride with the coolest cooler around—perfect for those summer road trips, picnics, and outdoor adventures.
Why Shop at Dave Cross Motors?
At Dave Cross Motors, we pride ourselves on offering a wide selection of high-quality new and used Buick and GMC vehicles. Our knowledgeable and friendly staff are here to help you find the perfect vehicle that suits your needs and budget. Whether you’re looking for a reliable family SUV, a powerful truck, or a sleek sedan, we have something for everyone.
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- New Inventory: Discover the latest models from Buick and GMC, including the luxurious Buick Enclave, the versatile GMC Terrain, and the powerful GMC Sierra 1500. Our new inventory is stocked with the newest features and cutting-edge technology to enhance your driving experience.
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- Used Inventory: Looking for a great deal on a pre-owned vehicle? Our extensive selection of used cars, trucks, and SUVs has been carefully inspected to ensure you get the best value for your money. Each pre-owned vehicle comes with a detailed history report for your peace of mind.
Don’t miss out on the hottest deals of the summer! Visit Dave Cross Motors in Lee’s Summit, Missouri, today and take advantage of our Sizzling Summer Sales Event. Remember, the event ends on July 31st, so make sure to stop by soon. Test drive a vehicle and get a chance to win a Yeti cooler—just another reason why Dave Cross Motors is the best place to shop for your next vehicle.
Shop Now and experience the difference at Dave Cross Motors. We look forward to helping you drive away in the perfect Buick or GMC this summer!
Performance Meets Luxury: GMC Sierra 1500 Denali
A Closer Look at the GMC Sierra 1500 Denali
The GMC Sierra 1500 Denali stands out with its commanding presence and refined design. It offers multiple body styles to cater to you:
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- Crew Cab Short Box: Starting at $60,300, this configuration is perfect for those who need a balance of passenger space and cargo capacity.
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- Crew Cab Standard Box: Priced from $61,500, it offers additional cargo space without sacrificing comfort, ideal for those with greater storage needs.
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- Double Cab Standard Box: Starting at $58,800, this option provides a versatile balance of passenger comfort and cargo space.
Advanced Features and Capabilities
The GMC Sierra 1500 Denali is equipped with cutting-edge technology and features. From its powerful engine options to its comfortable interior, every detail of the Sierra 1500 Denali is crafted to deliver the ultimate in performance and comfort.
Key features include:
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- Powerful Performance: With a range of engine options, including the robust 6.2L V8 engine, the Sierra 1500 Denali offers impressive towing and hauling capabilities.
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- Premium Interior: Step inside to experience the Denali’s luxurious interior, featuring leather-appointed seating, advanced infotainment systems, and superior craftsmanship.
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- Advanced Safety: The Sierra 1500 Denali is equipped with state-of-the-art safety features, including forward collision alert, lane departure warning, and more, to keep you and your passengers safe on the road.
Visit Us Today
If you’re in the market for a GMC Sierra 1500 Denali, visit Dave Cross Motors in Lee’s Summit, Missouri. Conveniently located just a short drive from Kansas City, our dealership offers an extensive inventory of new and used GMC Denali trucks for sale. Come in for a test drive and experience the luxury and power of the Sierra 1500 Denali for yourself.
For more information, visit our website or contact us today. Let Dave Cross Motors be your trusted source for all things GMC Sierra 1500 Denali in Kansas City, Missouri.
Are you in the market for a new vehicle? There has never been a better time to upgrade your ride at Dave Cross Buick GMC! We’re thrilled to announce our exclusive “Clear the Lot Red Dot Sales Event,” featuring unbeatable deals on the new 2024 Encore GX. This limited-time event offers incredible savings and incentives, making it easier than ever to drive away in the car of your dreams.
During our Red Dot Sales Event, we’re offering rates as low as 0.9% APR, allowing you to finance your new 2024 Encore GX with ease. But that’s not all! You can save up to $4,500 off the MSRP, making this sleek and stylish SUV even more affordable.
An Enhanced Cabin Experience
The Technology to Take You Anywhere
The 2024 GMC Acadia is packed with innovative technologies designed to enhance your driving experience and keep you safe. For the first time, the Acadia offers Super Cruise™, the industry’s first true hands-free driver assistance technology for compatible roads, allowing for hands-free lane changes and a more relaxed driving experience.
A Bold New Look
Test Drive the 2024 GMC Acadia Today
Exceptional By Design: Buick’s Next Chapter
Welcome to the dawn of a new era in automotive excellence, where innovation meets elegance, and driving becomes an immersive experience like no other. At our Buick and GMC dealership nestled in Lee’s Summit, Missouri, serving the vibrant Kansas City area, we’re thrilled to invite you into the world of Buick’s next chapter: Exceptional by Design.
Buick’s journey into the future began with a bold vision, symbolized by a fresh interpretation of its iconic tri-shield badge. Inspired by the futuristic allure of the Wildcat EV1 concept, Buick embarked on a transformational path, weaving a new design language that would redefine automotive aesthetics. Today, we proudly announce Buick’s new tagline, brand campaign, and ethos—Exceptional by design—an ode to meticulous craftsmanship and visionary innovation.
Why choose Buick? Among the top three reasons consumers opt for a Buick is vehicle quality. Buick consistently earns accolades in prestigious industry studies, ranking first in Customer Satisfaction with the Dealership Sales Experience for two consecutive years. Our commitment to excellence extends beyond the showroom floor, ensuring that every interaction with our dealership is marked by professionalism and dedication to your satisfaction.
Join us as we welcome the arrival of the 2024 Buick Envision and the eagerly anticipated 2025 Buick Enclave, poised to epitomize Buick’s new design language. With these additions, our showroom boasts a refreshed portfolio, showcasing sculptural designs, refined performance, and modern interiors infused with thoughtful personal technologies.
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