Car Loan & Lease Center - Haley GMC

At Haley GMC getting a car loan in Richmond is quick and easy. We have all the tools, information and expertise to help you determine your budget and get you into that new or used GMC you have always dreamed of. Our financial experts can help anyone get a car loan, even with bad credit. You can apply online for a Richmond car loan with our online finance application form. It's secure, and when we receive the application, our staff will look it over contact you as soon as possible.

If you would like to contact a member of the Haley GMC financial team online you can use our contact form. You can also call us at 800-951-0689, or stop by our Richmond car dealership using our easy to follow directions.

If you simply need to cancel your Life, Accident, or Health insurance; or if you need to cancel an extended service or gap contract...


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Contact Information

Contact Information

Haley GMC

9811 Midlothian Turnpike

Richmond, VA 23235
sales Sales:
phone2 Service:
(800) 698-6128
phone3 Parts:
(800) 698-6128

Finance FAQ

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



Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.


Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.


Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.


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.


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.


Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.


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.