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Financing

The Finance Department here at Hertrich's Capitol strives to get everyone approved at the best Interest rate available. Our Special Finance Department helps individuals with bad credit, no credit or bankruptcies, to re-establish their credit. Our Finance Department will make sure you receive all Rebates and Discount Programs you qualify for, First time Buyer's Programs, Loyalty Programs, College Grad Programs and Military Discounts for our servicemen and woman serving our country. We utilize over thirty (30) lending institutions, which allow us to match the best bank, program and rate available to meet our customer's individual needs. This all equates to the lowest monthly payments available for each one of our customers. There's always FINANCE SPECIALS at Hertrich's Captiol! Click here for our Pre-Qualification Application.
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Financing Navigation

Contact Information

Hertrich Capitol

1127 South DuPont Highway

Dover, DE 19901
workSales:
(888) 316-3430

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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.