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Financing



Welcome to Honda of the Desert's finance department. We have developed this online application section for your convenience. With as busy as people are nowadays, our goal is to save you time. Here you can use our online form to get a quick and accurate response about financing your next vehicle. Whether you are considering a lease or a purchase, Honda of the Desert can tailor financing to meet your specific needs.

You may be wondering if it safe to apply online. We use a super safe digitally encrypted format that is never sent via electronic mail so you can be rest assured your information is secure. If you would prefer to speak directly with one of our finance managers, feel free to call us at 866-650-7307 and ask for Jon Richert or John Cunningham.

We look forward to assisting you with your next automobile purchase.

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Financing Navigation

Contact Information

Honda of the Desert

68-025 Kyle Rd.

Cathedral City, CA 92234
sales Sales:
866-650-7301
phone2 Service:
866-650-7305
phone3 Parts:
866-650-7305

Finance FAQ

Check out our online finance FAQ section for important information regarding car lease and loan characteristics.

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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.

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