Available 4x4 · Trail Rated Trailhawk Compass In Stock Now Sport · Latitude · Limited · Trailhawk View Inventory ›
Auto Financing and Leasing in Grosse Pointe and Detroit, MI
Finance Center
Buy or Lease Your Next Chrysler, Dodge, Jeep or Ram
Straight answers before you sign.
Golling Chrysler Dodge Jeep Ram of Grosse Pointe works with a wide network of lenders, including Stellantis Financial Services, credit unions, and national banks, to find terms that fit your budget. Whether you are financing a new Jeep Grand Cherokee, leasing a Ram 1500, or buying a certified pre-owned Chrysler Pacifica, our finance team walks you through every number before you sign.
All financing and leasing is subject to credit approval. Rates, terms, and down payment requirements vary by lender, vehicle, and applicant credit qualifications. Not all applicants will qualify.
Should You Finance or Lease?
There is no single right answer. The better question is how long you plan to keep the vehicle and how many miles you drive each year. Here is how the two options compare.
Financing a Vehicle
You own it at the end.
- You build equity with every payment and own the vehicle outright once the loan is paid
- No mileage limits, so it works well for long commutes on I-94 or Jefferson
- Modify, customize, or add accessories however you want
- Generally the lower total cost if you keep the vehicle past the loan term
- Trade it, sell it, or keep it. The decision is yours at any point
Leasing a Vehicle
You return it and start fresh.
- Typically a lower monthly payment than financing the same vehicle
- Stay under factory warranty for the full term in most cases
- Step into a new model every few years with current technology and safety features
- At lease end you can return it, buy it, or lease something new
- Mileage allowances apply, and excess mileage charges are assessed at turn in
Lease and finance terms are set by the lender and depend on credit approval. Ask your finance manager to run both options side by side on the specific vehicle you are considering.
How the Process Works
Four steps from application to keys. Most of it can be done before you ever come in.
1
Apply Online
Complete our secure credit application from home. It takes just a few minutes and your information is encrypted.
2
We Shop Lenders
Our finance team submits your application to our lender network and reviews the offers that come back.
3
Review Your Options
We walk you through the actual numbers, including the total price, term, and what is included, before anything is signed.
4
Sign and Drive
Finalize your paperwork at our Mack Avenue showroom and take delivery of your vehicle.
What to Bring When You Apply
Having these ready speeds things up considerably:
- A valid driver's license
- Proof of income, such as recent pay stubs or tax returns if you are self employed
- Proof of residence, such as a utility bill or lease agreement
- Proof of current auto insurance
- Your trade-in title or current loan payoff information, if you have a trade
- References, if requested by the lender
Not sure where you stand? Start with our secure online application and we will take it from there.
Serving drivers across the east side:
Grosse PointeGrosse Pointe ParkGrosse Pointe FarmsGrosse Pointe WoodsGrosse Pointe ShoresHarper WoodsSt. Clair ShoresEastpointeRosevilleDetroitWarrenFraser
We are at 18001 Mack Ave in Detroit, minutes from Grosse Pointe Park and Harper Woods. See all the areas we serve.
Credit Situations We Work With
Credit history is one factor among several that lenders consider. We work with applicants across a wide range of credit profiles, including first-time buyers, drivers rebuilding after a bankruptcy or repossession, and customers with limited credit history. Approval and terms are determined by the lender based on a review of your application, and not every applicant will be approved.
Frequently Asked Questions
Is it better to buy or lease my next vehicle?
It depends on how long you plan to keep the vehicle and how much you drive. Leasing usually carries a lower monthly payment but comes with mileage limits and restrictions on modifications. Financing generally costs more per month but builds equity, and once the loan is paid off the vehicle is yours with no further payments. If you drive more than the typical lease allowance each year, financing is often the better fit. Our finance team can run both scenarios on the same vehicle so you can compare real numbers.
How long does the credit application take?
The online application itself takes only a few minutes to complete. Once submitted, our finance team reviews it and works with our lender network to identify available options. In many cases we can follow up the same business day.
I have had credit problems in the past. Can I still get approved?
Possibly. We work with lenders who consider applicants with past bankruptcies, repossessions, or limited credit history. Credit is one of several factors a lender reviews along with income, employment, and down payment. Approval is not guaranteed and terms will vary based on the lender's decision. The only way to know your options is to apply.
Do I need a down payment?
Down payment requirements are set by the lender and depend on the vehicle, the term, and your credit approval. Some applicants qualify with little or no cash down while others will be required to put money down. A larger down payment generally lowers your monthly payment and your total finance charges. Your finance manager will tell you exactly what is required on your specific deal.
Can I trade in a vehicle I still owe money on?
Yes. If your trade is worth more than your remaining loan balance, that equity can be applied toward your next vehicle. If you owe more than the vehicle is worth, the difference may be able to be added to your new financing, which will increase your total amount financed and your payment. We will show you the payoff figure and the trade value side by side so the math is clear before you decide. Start with our trade appraisal form.
Can I get pre-approved before I pick out a vehicle?
Yes, and we recommend it. Applying first gives you a realistic budget before you start shopping, which makes the rest of the process much faster. Browse our new inventory, pre-owned inventory, or certified pre-owned vehicles once you know where you stand.
Do you finance used and certified pre-owned vehicles?
Yes. We arrange financing on new, pre-owned, and certified pre-owned Chrysler, Dodge, Jeep, and Ram vehicles. Certified pre-owned CDJR models come with factory-backed coverage, and lenders often offer terms on certified vehicles that differ from standard used vehicle terms.
Can I apply if I live outside Grosse Pointe?
Absolutely. We regularly work with customers from across metro Detroit, including St. Clair Shores, Harper Woods, Eastpointe, Roseville, Warren, and throughout Detroit. The application process is the same regardless of where you live.
Ready to Get Started?
Apply online in a few minutes, or stop by our showroom at 18001 Mack Ave in Detroit and talk it through with our finance team in person.
Sales and Finance: 313-264-0747 | 18001 Mack Ave, Detroit, MI 48224
All financing and leasing is subject to credit approval by the lender. Rates, terms, monthly payments, and down payment requirements vary by lender, vehicle, term length, and applicant credit qualifications. Not all applicants will qualify for financing or for any particular rate or term. Advertised vehicle pricing is available to all buyers and includes all dealer-required fees. Tax, title, license, and registration fees are additional. Vehicles are subject to prior sale. See dealer for complete details.
Proudly part of the Golling Automotive Group, celebrating 60 years.