Welcome to Jim Curley’s Finance Center!
Your new and used automotive financing experts
At Jim Curley Portal, we offer competitive financing rates and terms on our great selection of new and used trucks, cars, and SUVs.
Our finance experts are here to guide you through the financing process and help you get into your new vehicle. Contact Jim Curley Portal’s finance team today or if you’re ready to start the financing process, you can fill out our secure finance application online.
Questions? Please contact us at (732) 363-7400.
Jim Curley Buick GMC
1399 River Avenue
Lakewood, NJ 08701
Call Us: (888) 602-4821
Financing Frequently Asked Questions
DO I HAVE TO PUT MONEY DOWN?
No. Generally a down payment whether on a lease or finance agreement is for the customer’s benefit. However if a customer’s credit is either light (lack of credit) or marginal (slow pay, poor credit) a down payment does help in getting an approval.
HOW MUCH IS MY TRADE WORTH?
Trade in values are determined based on several factors such as year, make, model, vehicle condition, vehicle history and market conditions. Each trade is evaluated and appraised based on these factors.
DO I NEED A CO-SIGNER?
No. A co-signer generally is required only if a customers credit profile does not meet general guidelines for the vehicle the customer desires. Sometimes a change of vehicle and or a larger down payment can help acquiring a loan without the need of a co-signer.
DO I HAVE TO PAYOFF MY CAR?
No. When we make a deal we will pay off your car no matter how much you owe.
CAN I PUT THE DOWN PAYMENT ON MY CREDIT CARD?
Sure. We accept Master Card, Visa, American Express and Debit Cards.
CAN I LEASE IF I HAVE BAD CREDIT?
Yes, depending on the severity of your credit. Leasing with a down payment which provides a lower payment can provide a lower payment than leasing without a down payment which becomes more attractive to lenders.
HOW LONG CAN I FINANCE A CAR FOR?
New Car/Truck financing is available up to 96 months. Term available depends on several factors. Year, Make, Model, Mileage and most important credit history.
I DRIVE A LOT OF MILES, CAN I STILL LEASE A CAR?
Yes. Although every customer should take annual mileage driven into consideration when considering whether to lease or not, mileage is only 1 of several factors to take into consideration. A vehicle’s future value and condition at termination are also key factors to consider.
DO I HAVE TO PAY FOR MAINTENANCE WHEN I LEASE A CAR?
This depends on the manufacturer. GM provides customers with complete maintenance for 2 years or 24,000 miles. Customers would then be responsible for other maintenance beyond that. Maintenance plans are available for longer terms.
WHAT IF THE CAR GETS INTO AN ACCIDENT WHEN I LEASE A CAR?
The same as if you owned it. Take it to a body shop, get it repaired and pay your deductible.
CAN I TRADE IN MY LEASED CAR EARLY?
Absolutely. Leasing a vehicle is a buy in reverse. Generally, you put a large down payment to have low payments when you purchase. When you lease you generally put little or no money down and have low payments. The balance on your loan would be calculated at time of trade in. This would occur if you financed the car also.