Finance
Today’s car buyers are savvy, goal-oriented, and eager to find financing that works for their lifestyle. At Richardson Buick GMC, we understand what modern drivers are looking for: clear answers, simple options, and trustworthy support throughout the process.
At our finance center, proudly serving Midland, Saginaw, and Clare, MI. Whether you’re buying your first car, refinancing a trade-in, or curious about leasing your next ride, our finance center is your one-stop resource for professional guidance and flexible solutions. Let's get started!
Meet Our Financing Team
We believe that every financial journey is unique, and it should be treated that way. That’s why our finance center is staffed with friendly, knowledgeable professionals who are dedicated to helping you find a plan that fits seamlessly into your lifestyle.
Together, you’ll go over factors like your budget, down payment possibilities, trade-in values, and available loan or lease options. We work with a large network of trusted lenders, which means more opportunities to secure competitive rates and personalized terms. And we’re always happy to explain the fine print so you feel fully informed before you make your decision.
- Main:(989) 374-7000
- Sales:(989) 294-2605
- Service:(989) 495-2568
- Parts:(989) 495-2266
- Mon - Thu8:00 AM - 6:00 PM
- Fri8:00 AM - 5:30 PM
- Sat8:00 AM - 3:00 PM
- SunClosed
Online Finance Tools and Resources
We understand that today’s drivers want to stay informed, and we make that easy with a full suite of online tools designed to give you more control over the financing process, right from home.
Start with our secure online finance application, which takes just minutes to complete. This quick pre-approval tool helps you get a better idea of where you stand financially before ever stepping foot in the dealership.
You can also use our payment calculator to estimate your monthly payments based on loan terms, interest rates, and down payments. It’s a helpful way to plan your budget with real-world numbers.
If you’re considering trading in your current vehicle, be sure to check out our Value Your Trade tool. Simply input your vehicle’s make, model, year, and condition, and you’ll get an instant estimated trade-in value to factor into your financing plan.
Buying vs. Leasing: Which Is Right for You?
Are you deciding between buying and leasing your ride? Let’s review some of the benefits of each method, per U.S. News & World Report*.
Buying a vehicle—whether new or used—means you’ll own it outright once the loan is paid off. This gives you complete freedom over how long you keep the car, how many miles you drive, and how you customize it. Buying is often ideal for those who plan to drive their vehicle for several years and want to build equity over time.
Leasing, on the other hand, is a short-term option that allows you to drive a new vehicle for a set period (usually two to three years) with lower monthly payments and reduced upfront costs. It’s a great option if you enjoy driving the latest models, want to avoid long-term maintenance, or simply like the flexibility of upgrading more frequently.
Frequently Asked Questions
What credit score do I need to get approved for financing?
While a higher score may help you qualify for better rates, our finance team works with all credit backgrounds—including first-time buyers and those rebuilding credit.
Can I get pre-approved online before visiting the dealership?
Yes! Our online application is secure, quick, and easy. It helps streamline your visit and gives our team the info they need to create personalized finance options.
What information do I need to apply for financing?
To get started, you'll typically need your contact info, income details, employment history, and information about your current vehicle if you're trading in.
I’m Interested in Financing a Vehicle
No matter where you are in your automotive journey, the finance center at Richardson Buick GMC is here to help you take the next step with clarity and confidence. From Midland, Saginaw, and Clare, MI, drivers trust us to deliver financing solutions that make sense for their unique lifestyle and budget.
Contact us today!
Get Directions
We are located at
2400 N Saginaw Rd
Midland, MI 48640