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Finance Center



IT'S ABOUT PEACE OF MIND

The Business Office is managed by John Simmons, who has been in the auto industry for over 20 years.  John has extensive knowledge with Prime and Sub-Primes Automotive Financing, as well as the experience you can rely on to save you money.  Working with multiple lending institutions, John is committed to making the purchasing process as pleasurable and agreeable as possible.  Our Business Office will aid you in everything from securing an approved loan to handling your DMV paperwork.

For our customers with less than perfect credit, John has partnered with local and national banks in order to offer the strongest finance options possible to help get you on the road.  Our Business Office is here to assist you, even if you've had previous derogatory credit issues, including Bankruptcy, Repossession, have No Credit or Poor Credit.

Plan on keeping your car for a long time?  John will show you how to protect your investiment and help keep it looking and running like new.  Plan on trading in just a couple of years?  John will show you how to accelerate the loan, thereby increasing your vehicle's equity position.

At Fogg's Automotive & Suzuki, our commitment is to make your ownership experience as comfortable and as easy as possible.  Feel Free to call John at the dealership for a confidential interview (518) 348-7763, or APPLY ON-LINE with our SECURE CREDIT APPLICATION.

TAKE 10% OFF our Business Office vehicle products! Visit our Finance Specials page to learn how!



 

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Financing Navigation

Contact Information

Foggs Automotive & Suzuki

642 Saratoga Rd. (Rt. 50)

Glenville, NY 12302
sales Sales:
866-938-1701
phone2 Service:
518-399-8393
phone3 Parts:
518-399-8803

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Tip!

Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.

Tip!

Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.

Tip!

Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.

Tip!

Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.

Tip!

Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.

Tip!

Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.

Tip!

Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.

If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.