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Finance Center

Welcome to Our Financing Department

Welcome to Bill Gray Volvo's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.


Comparing Financing options

Whether you lease or finance your new Volvo depends entirely on you. Explore the benefits of each and discover which one suits you best.

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Bill Gray Volvo
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724-949-1555
Why Lease Your Volvo?                   Why Finance Your Volvo? 
  • Requires little or no money down.
  • Your financial situation does not allow large monthly payments for an extended period of time.
  • You drive a new vehicle every three to four years.
  • Your annual driving mileage falls within the typical mileage allowance of a lease. (The typical Volvo lease has a 10,500, 12,000 or 15,000 annual mileage allowance. Contracts with higher mileage allowances are available.)
 
  • You can afford a relatively high down payment or you have a car with equity to trade in.
  • You want to keep your car for several years.
  • You want the flexibility to own your car and sell it at any time.
  • Your annual driving mileage exceeds the typical mileage allowance of a lease. (The typical Volvo lease has a 10,500, 12,000 or 15,000 annual mileage allowance.)

Learn about leasing and financing from the Federal Reserve.

Learn more about Volvo Car Finance.

Learn more about special Lease and Finance offers.


Leasing options

Whether you lease or finance your Volvo, you have a variety of choices. Learn about Volvo leasing options here. 

Advance Payment Lease
The Advance Payment Lease represents the ultimate in carefree leasing - just make one upfront payment* and say good-bye to monthly payments, thus lowering your total cost when compared, term for term, to a traditional lease.

Multiple Security Deposit Program
The Multiple Security Deposit Program? allows you to make up to nine additional security deposits. Each additional security deposit reduces your monthly payment. And, a lower monthly payment means a lower payment over the life of your lease!

College Graduate Program
The College Graduate Program from Volvo Car Finance rewards new graduates with the opportunity to lease or finance a Volvo. To take advantage of this program, you need to have only your diploma, proof of employment or other reliable source of income, and meet a few simple criteria.?? You do not need a parent to co-sign. With your degree in hand, Volvo Car Finance can help you get behind the wheel of one of Volvo's exciting high-performance and versatile cars, while building a credit history in your name.

Options to Fine Tune Your Lease
Odd-Term Lease
Who says agreements must be 24, 36 or 48 months in length? What if a 39-month agreement better fits your trading cycle or budget? Your Volvo Retailer can adjust the term of your Care By Volvo Lease to more closely meet your personal needs.

Flexible Mileage Allowance
If your annual driving mileage exceeds our 10,500, 12,000 or 15,000 mileage allowance, your lease can be tailored up front to more closely meet your needs.

Convenient Payment Options
Paying for your Volvo should be as easy as driving it. Volvo Car Finance offers several convenient ways to schedule your payments - online, via telephone or automatic withdrawal. Click here for more information on these options.

*State and local fees and taxes may be required to be paid during the lease term. Disposition Fee or Purchase Fee and excess mileage and wear and use charges may be required to be paid at the end of the lease. See the Volvo Closed-End Lease Agreement for details.

? The Multiple Security Deposit Program may not be available in all areas.

?? To be eligible, applicant must be within 3 months of graduation or up to 24 months after graduation from an Accredited College or University with a bachelor's degree, graduate degree or higher. Proof of eligibility required. Subject to credit approval.


 

Financing Options

Whether you lease or finance your Volvo, you have a variety of choices. Learn about Volvo financing options here.


College Graduate Program
The College Graduate Program from Volvo Car Finance rewards new graduates with the opportunity to lease or finance a Volvo. To take advantage of this program, you need to have only your diploma, proof of employment or other reliable source of income, and meet a few simple criteria.* You do not need a parent to co-sign. With your degree in hand, Volvo Car Finance can help you get behind the wheel of one of Volvo's exciting high-performance and versatile cars, while building a credit history in your name.

Fine Tune Your Finance Contract
Flexible Terms
Terms for 24 to 60 months are available, including odd-term financing. Whatever your personal requirements, your Volvo Retailer can help customize the term of your Care By Volvo Finance contract.

Convenient Consolidation of Expenses
Expenses such as taxes and registration, accident and health insurance, or an extended service plan can easily be included in your monthly payment.

Convenient Payment Options
Paying for your Volvo should be as easy as driving it. Volvo Car Finance offers several convenient ways to schedule your payments - online, via telephone or automatic withdrawal.  Click here for more information on these options.

Start Your Application

Start the Finance Application process by entering your information below:

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