Get $1,000 off on our Used Cars

More information

Richmond Acura

 4211 No. 3 Rd.
Richmond, British Columbia, Canada
V6X 2C3

 1 855 886-0966

Social

       

Business Hours

Monday : 9:00 am - 8:00 pm
Tuesday : 9:00 am - 8:00 pm
Wednesday : 9:00 am - 8:00 pm
Thursday : 9:00 am - 8:00 pm
Friday : 9:00 am - 6:00 pm
Saturday : 9:00 am - 6:00 pm
Sunday : 11:00 am - 5:00 pm

FINANCING - Complete the form below and we will contact you shortly.

Car Financing

Richmond Acura is the name you can trust for advantageous Acura car financing and leasing in Richmond and the Vancouver area. We have long experience in providing car credit and Acura lease plans to Richmond, Vancouver, Burnaby and Surrey motorists. For your convenience you can apply for credit directly online using our simple and secure form and obtain automotive financing for your Acura purchase!

Finance Options

If you like the idea of having ownership of your vehicle, prefer paying off your loan, and don't like the risk of possible lease end charges, then you should consider finance as an option.

As a finance customer, throughout the term of your finance contract, your payments will consist of part principal and part finance charges. Each payment you make increases the amount of equity you've built up in your vehicle.

End of Your Finance Contract - What's Next?

After making your payment each month for the duration of the financing contract, the vehicle is all yours. So what comes next? Negotiating a trade-in with your dealer may be a great way to come up with a down payment for your next new Acura. You can also sell your vehicle privately or keep driving it for years to come - it's your decision to make. For more information about your options at the end of your finance contract, please contact our Finance and Insurance Department at 1 855 886-0966.

The Benefits

Vehicle Ownership

You are the owner of the vehicle; once all the payments have been made, you own the vehicle.

Open Retail Loans

All retail loans are open and you may pay out the finance contract at any time without prepayment penalties.

Do you need credit?We have the expertise and the resources to help you get the best finance or lease plan.Apply for Credit

Any questions?We are available at all times to get you the information you need to make the right decision.Contact Us

Transparent Fees

Simple interest method to calculate interest charges.

No kilometre charges.

No wear and tear charges.

Things to Consider

Monthly Payments

Monthly loan payments are typically higher than monthly lease payments because you are financing the total cost of your vehicle which includes all applicable sales taxes and purchase price.

Insurance Coverage

You are responsible for insurance coverage. Required coverage typically is detailed in your financing agreement.

Regular Maintenance

You are responsible for maintaining the automobile. A maintenance schedule is outlined in the owner's manual.

Lease Options

If you enjoy driving a new vehicle every two to four years, want lower monthly payments, protection of a warranty, drive an average number of kilometres, and can properly maintain your vehicle, then you should consider lease as an option.

As a lease customer, you pay only a portion of a vehicle's cost, which is the part that you "use up" during the time you're driving it, and you pay taxes only on your monthly payments vs. the full vehicle price. Signing a leasing contract means that you agree to make regular monthly payments, keep appropriate insurance, pay any vehicle taxes and licensing fees, and take good care of the vehicle for the duration of your contract.

Your Lease End Options

Now that your lease is almost up, you may be wondering what's next. It's a good idea to start thinking about your end of lease choices, especially if you have 6 months or less remaining in your lease. Richmond Acura offers the following four options:

Option 1: Return your vehicle and lease a new one.

This option is convenient, easy, and best of all, you get to drive off in a brand-new Acura! Through our loyalty program, we may be able to offer you special rates and terms when you enter into a new lease. Remember, you will still need to schedule a free vehicle inspection during the last two months of your lease. You will also be responsible for any outstanding payments, excess wear and tear, excess mileage, and any other end-of-term obligations specified in your lease agreement.

Option 2: Return your leased vehicle and purchase a pre-owned certified vehicle.

Richmond Acura's Certified Pre-Owned Vehicle (ACPOV) programs offer significant advantages over used vehicles that are not certified. Every detail, every surface, every performance part is precision-crafted when an Acura is designed and built. It should come as no surprise that the same level of performance-minded scrutiny applies to every pre-owned Acura that qualifies for Certified Performance status. The decision to buy a certified used vehicle is clear - new vehicle benefits at a used vehicle price. Each and every vehicle is reconditioned where needed to provide you with the "like new" experience that Richmond Acura is known for. With a Richmond Acura Certified Pre-Owned Vehicle, you'll also have access to financing options through Richmond Acura.

Option 3: Purchase your leased vehicle.

Buying your leased Acura is a great way to continue benefiting from its reliability, performance, and high resale value. If you decide to buy your vehicle, there is no need to have it inspected, since there are no excess wear-and-tear or excess-mileage charges to worry about. To find out your purchase amount, you can get a payoff quote 24 hours a day, 7 days a week through our Owner's Website in the My Finance section. Be sure to ask Richmond Acura for a loan to help purchase the vehicle.

Option 4: Return your leased vehicle to the dealer.

If you select this option, your lease concludes when you turn in the vehicle to Richmond Acura. You will need to schedule a free vehicle inspection during the last two months of your lease. You will also be responsible for any outstanding payments, excess wear-and-tear and excess-mileage charges, and any other end-of-term obligations specified in your lease agreement. For more information about your options at the end of your lease contract, please contact our Finance and Insurance Department at 1 855 886-0966.

The Benefits

A New Vehicle More Often

With lower monthly lease payments over a shorter period of time, you can drive a new vehicle more often.

Low Monthly Payments

Lease payments are traditionally lower than retail payments on the same vehicle.

Closed End Lease

You can choose to purchase the vehicle for a pre-determined price shown on your lease contract plus applicable taxes or return it without further obligation. If you decide to return your vehicle, all you have to do is make sure you have not exceeded your kilometre limit, that any outstanding fines have been paid, and there is no excess wear and tear on the vehicle.

Automatic GAP Protection

If your leased vehicle is involved in an accident, vandalized or stolen, the vehicle may have to be written off. To insurance companies a "write off" means fair market value minus your deductible. Your insurance settlement may not always satisfy your monetary obligation. Our Future Value Lease offers you protection against these situations. The monetary GAP between your insurance settlement less your deductible and your lease obligation is covered automatically by our GAP (Guaranteed Asset Protection). Some conditions may apply.

Things to Consider

Insurance Responsibility

You are responsible for insurance coverage. Required coverage typically is detailed in your lease agreement.

Lease Down Payments

Down payments are not required on a lease. In a lease situation, you may choose to make a down payment in order to reduce the monthly lease payments. Down payments on leases cannot exceed 30% of the Total Lease Price.

Cash Due at Delivery

Most lease agreements require a first monthly payment on delivery of the vehicle, a refundable security deposit and other miscellaneous fees.

Maintenance Responsibility

You are responsible for maintaining the automobile. A maintenance schedule is outlined in the owner's manual.

Excess Wear and Tear

Please inquire about how Acura determines charges at end of a lease, ie: dents, paint damage, missing equipment that was part of the vehicle, cracked or chipped glass, mechanical damage, holes, tears or burns to upholstery.

Allowable Kilometres

The yearly kilometre allowance with Richmond Acura is 24,000 km. At lease inception, you can purchase additional kilometres.

Lease Vehicle Price (Totoal Vehicle Price)

Gives you the transaction price and is also used to calculate your lease payment. While taxes are not included in this price, it does include all equipment, accessories, freight and dealership fees.

Total Cost of Lease Transaction

The total cost of lease is the total monthly payments plus any amounts paid to reduce the cost of the vehicle ie: cash down payment, vehicle trade-in plus applicable taxes, vehicle licensing and registration fees.

Lease Rate Changes

The lease rate and associated charges are disclosed on our full disclosure contract.