Tax season is the most popular time of year for car buying. A tax refund can make a meaningful down payment that lowers monthly payments, reduces total interest, and gets you into a better vehicle than expected.
How Much Down Payment Do You Need?
Putting at least 10% to 20% down lowers your payment, may qualify you for a better rate, and reduces the chance of being upside-down on your loan. Even $2,000 to $3,000 from a tax refund makes a real difference.
Should You Buy or Lease?
If you drive over 12,000 miles per year (common in rural Montana), buying usually makes more sense. You own it when paid off and have no mileage penalties.
New vs Used
A vehicle loses the most value in its first two to three years. Buying a two to three year old vehicle with low miles gives you most of the new-car experience at a significant discount. Our used inventory is inspected and priced transparently.
Get Pre-Approved First
Our pre-qualification tool gives you an answer in minutes with no credit impact. Know your rate and payment range before you look at vehicles.
Trade-In Value
Combine your trade-in with your tax refund for a larger effective down payment. Use our instant trade-in tool to see what your vehicle is worth.
Browse our full inventory, check out vehicles under $20,000, or contact us.
