Honda USA Financial Services

Honda Financial Services USA Overview: Current offers 2022

Do you want to buy a car? If so, Honda Financial Services has countless incentives on their new and certified pre-owned vehicles. The deals vary depending upon your location and credit history. It’s possible to apply for financing online before heading to the dealership though they will also be able to give an exact rate once approved.

For those with excellent credit, Honda offers zero percent financing. However, this is not the case for new or certified pre-owned vehicles as they only qualify if your score falls within a certain range of 600 to 620 and meet additional criteria such as having miles on them under 10k miles per year.

Honda Financial Services Overview

Honda Financial Services can offer its customers 24-72 month terms for purchases. 24 months to pay in advance with a 60 credit score. Honda Financial provides leasing available on select vehicles at 20/40/60+/- months depending on make and model.

Honda Financing

Financing through HFS has its advantages, especially if you qualify for a 0% APR. But it’s always good to have an auto loan pre-approved from another lender if financing with them isn’t available or they don’t approve your application.

The Honda finance team only works with those who have a high credit score. If you want to ensure that your rate is competitive, it’s best not just in terms of interest rates but also APR points and other factors as well! You can get this information using My LendingTree – where they’ll provide access not only for checking on one’s own FICO rating. The company will give information on how to save money when obtaining loans or buying cars.

The best way to finance a car is by getting preapproved for an auto loan. Fill out one quick form and you could receive up to 5 different offers from lenders, depending on your creditworthiness. You can also apply directly with banks or credit unions if needed.

You can get a car loan through HFS, and they’ll beat any other lender’s best offer. After test driving some cars with one of their salespeople you should sign up for an appointment to take care of things in person or on the phone so that when your turn comes it will be fast.

Auto loan calculator with amortization schedule table

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Honda Financial Services – Incentives

The Honda Financial Services (HFS) offers a variety of special programs to help car buyers save money. In addition, they offer rebates and other opportunities so you can get your hands on one even if financing isn’t an option.

Honda offers different types of rebates that can lower the price and make life more enjoyable for consumers in their search for vehicles. For example, Loyalty Offers reward current owners when buying another type of HONDA product like ATVs, motorcycles (and scooters), personal mobility devices such as Segways, e-mopeds, etc. 

Conquest Offer reduces prices by rewarding the customers if they switch from rival brands into cars sold exclusively through this company’s dealerships. 

The Active Military, Retirees & Veterans, and Spouses may be eligible for a $500 discount on new purchases through Honda Financial Services. You can use this rebate with other financing deals from the company.

College Incentives are available such as $500 for recent graduates or anyone within six months from finishing an institution of higher learning.

Honda Financial Services – Lease

Honda offers a number of deals for those looking to lease their car. However, the terms are specific and dependant on how much money you’re willing to put down as an initial deposit or trade-in value with Honda at lease. 

You will have higher monthly payments because of this arrangement and it’s possible to set up your own lease through banks or other lenders. It might be an option if they offer better rates than Honda themselves do (which is sometimes true). However, once again at lease end, you’ll be given a choice: purchase outright or return it within 30 days for a full refund minus 10% dealer fee/program costs. By the way, Honda offers you a fast way to make your Honda Lease Payment Online.

A Honda One-Pay Lease is the perfect lease option for those who want to avoid monthly payments. A Leadership Purchase Plan can also be an attractive alternative when combined with Balloon financing, making low initial cost and one big payoff at end of term. If you don’t want that risk though there are other alternatives in between. 

Leasing a car can be an excellent move, especially if you prefer to get new vehicles on the regular. HFS has up to $1,000 in waiver credits that can be used towards another Honda.