Financing with Our Dealership

Steve Schmitt Auto Group takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Competitive Rates

No Hassle Credit Checks

Flexible Payments

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Should You Lease Your New Steve Schmitt Auto Group Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Steve Schmitt Auto Group can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

Hassle-Free Auto Financing in Highland, Litchfield and Troy, IL

You finally found your perfect car, truck or SUV and you can't wait to take it out on the road. All that's left is figuring out financing, and the experts at Steve Schmitt Auto Group are here to help. We have close contact with numerous local banks and lenders, which gives us a variety of choices when it comes to securing the payment solution that works best with your budget. Not sure where to start? Give us a call. We'll work with you to ensure you understand all your options, so you can make confident decisions.

Loan or Lease? The Steve Schmitt Auto Group Team in Southern, IL Helps You Choose

With the expert guidance of our finance team, drivers across Highland, Litchfield, and Troy, IL find the perfect loan or lease for their budgets. Whether you prefer a lower monthly payment and the ability to trade up every couple of years with a new-vehicle lease, or you prefer the freedom to drive as many miles as you want and keep your vehicle for a long time with a loan and purchase agreement, we want to help. Unsure which of these financing deals is right for you? We'll walk you through each one step by step and, together, we can find the best route for you to get the new vehicle you need.

The Steve Schmitt Auto Group Finance Team

The Steve Schmitt Auto Group finance team is ready to help clear the smoke and mirrors around auto financing so Southern, IL drivers can buy or lease a vehicle with confidence! Our in-house finance team will work with drivers to breakdown the numbers, explain all the tricky wording, and answer any lingering questions. Want to get an early start? Drivers can fill out an online finance application! After submitting the completed finance application, Highland, Litchfield and St. Louis drivers can look forward to a Steve Schmitt Auto Group finance team member contacting you to go over the details.

Your privacy is important to us.

Steve Schmitt Auto Group takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Steve Schmitt Auto Group

  2. Highland Ford

    12610 State Route 143
    Highland, IL 62249-1146

    • Sales: (618) 654-2122
  3. Highland Ford

    12610 IL-143
    Highland, IL 62249

  4. Litchfield GMC

    1 GALAXY LANE
    LITCHFIELD, IL 62056

    • Sales: (855) 739-3514
  5. Highland Buick GMC

    12631 STATE ROUTE 143
    HIGHLAND, IL 62249

    • Sales: (855) 811-0523
  6. Steve Schmitt of Litchfield

    1 Galaxy Ln
    Litchfield, IL 62056

  7. Steve Schmitt Auto Credit

    439 Edwardsville Road
    Troy, IL 62294

  8. Steve Schmitt, Inc.

    12631 State Route 143
    Highland, IL 62249

  9. Steve Schmitt Inc.

    12631 STATE ROUTE 143
    HIGHLAND, IL 62249

    • Sales: (855) 808-3645
  10. Steve Schmitt of Litchfield

    1 Galaxy Lane
    Litchfield, IL 62056

    • Sales: (217) 250-2336
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