Finance & Lease



When it comes to purchasing a car,

You're in the driver's seat.

Our secure online credit application makes getting financing a quick & efficient process.

We're Here To Help

Like most buyers, you may need financing to get the vehicle you want. What you don't need is a long drawn-out hassle to get it. Our user-friendly on-line credit-application process takes you from start to finish. It requires just a few a minutes of your time and a few personal details which we do not share.

It's really that easy. Get started today.

A Little Knowledge Can Make A Big Difference.

Financing Factors
Factors

Choice of Vehicle/Trade

The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.

Credit History/Employment

Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.

Down Payment/Interest Rate

The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.

Your Credit
Score

Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.

Factors Effecting Your Credit Score

Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.

To learn your credit score you can contact the three main credit reporting agencies:

Experian Logo

Experian:

www.experian.com
(888) 397-3742

Equifax Logo

Equifax:

www.equifax.com
(800) 685-1111

TransUnion Logo

TransUnion:

www.transunion.com
(800) 916-8800

What To
Bring

What you need to bring with you

Drivers License Icon

Valid Driver's License

Insurance Form Icon

Proof of Insurance

Dollar Sign Icon

Proof of Income

Home Icon

Proof of Residence

Phone Icon

Proof of Phone Number

In some cases, you may be asked for additional information. We'll walk you through every step of the way and respect your privacy & concerns. Please make sure your information is current.


You Make The Choice. We Make It Easy.

Every part of the car buying process should be simple. That includes determining your car payment which is just as easy our pre-approval process thanks to our on-line payment calculator. Just choose your vehicle and we'll tell you what you can expect to pay each month. Whatever your credit situation and budget, we've got a car for you at a payment you can afford.

It's easy. It's quick. It's safe. Get started today.

Acura Finance FAQs

Find answers to common Acura financing and leasing questions at MetroWest Acura, including online financing, credit considerations, monthly payments, trade-ins, Acura incentives, and protection options for Framingham-area shoppers.

Can I apply for Acura financing online before visiting MetroWest Acura?+
Yes. You can complete our secure online finance application before visiting MetroWest Acura. The application collects contact, residence, employment, financial, trade-in, and vehicle information used during the financing process. Approval and final terms depend on your individual application.
Can I finance an Acura if I have limited credit history or am working to strengthen my credit?+
Yes. You can still apply for financing. Factors such as the vehicle you choose, income, employment, credit history, open balances, late payments, and your down payment can affect your financing options. You can use our online finance application whether or not you already know your credit score, but approval, rates, and other terms depend on your individual application.
What factors affect my Acura loan rate and monthly payment?+
Several factors can affect your financing, including the vehicle's year, model, and final cost, along with your income, employment, credit history, and down payment. You can use our payment calculator to compare estimated payments, but your final payment will depend on the vehicle, amount financed, and approved financing terms.
Should I lease or finance my next Acura?+
The better choice depends on how long you want to keep your Acura and how you plan to drive it. Leasing generally bases your payments on the vehicle's estimated depreciation and includes mileage limits, while financing leads to ownership after the loan is paid and does not include lease mileage restrictions. You can review our current finance and lease offers when comparing your options. If you currently lease an Acura, you can also review our lease-return information to understand the options available when your lease ends.
Can I trade in or sell my current vehicle and use its value toward an Acura?+
Yes. You can start with our online vehicle value estimate and then either trade your vehicle toward a newer Acura or sell it directly to us after an on-site inspection. If you are trading, our finance team can explain how the vehicle's value and any applicable equity would be handled as part of your purchase or lease.
What should I bring when I'm ready to finalize financing at MetroWest Acura?+
When you're ready to finalize financing, bring a valid driver's license, proof of insurance, proof of income, proof of residence, and proof of your phone number. We may request additional information depending on your application, so confirm what you need before your visit.
Are Acura Graduate and Military Appreciation offers available?+
Yes. Eligible shoppers may qualify for Acura Graduate or Military Appreciation programs when financing or leasing an eligible new Acura through Acura Financial Services. Eligibility, qualifying vehicles, credit requirements, and program terms can change, so review our current Acura incentives before finalizing your transaction.
What optional vehicle protection plans does MetroWest Acura offer?+
We offer optional vehicle protection plans including vehicle service contracts, Guaranteed Asset Protection, prepaid maintenance, road-hazard tire coverage, and other products. Our finance team can explain the available coverage, costs, and terms for the vehicle you're considering.