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How to finance an Acura

Service members, recent college grads and loyal customers might qualify for special discounts.

Updated

Acura backside

Acura — the luxury division of Japanese manufacturer Honda — offers upscale car models at relatively competitive price points. And with several discount programs and financing options available, you may be able to drive home without emptying your wallet.

How can I finance a Acura?

When you’re looking to buy an Acura, the most obvious choice is taking out a traditional car loan from a bank, credit union or online lender. While this typically takes more time, you have a better chance of qualifying for a competitive rate.

If speed is your main priority, you might want to consider financing directly through an authorized dealership. Advantages of financing through Acura Financial Services include special discount programs and APR offers. Here are a few offers available as of October 2019:

  • Acura financing. By financing directly through an authorized Acura dealership, well-qualified buyers may be able to score a 2.9% APR for the 2020 Acura RLX Hybrid or a 0.9% APR on the 2019 ILX Special.
  • Acura leasing. Specific lease deals vary by city and dealership, though many 2019 and 2020 Acura models have 36-month leases available with relatively low monthly payments.

As with all types of financing, the exact rates and terms you qualify for will vary depending on your credit history and personal financial situation.

Does Acura offer special discounts or programs?

Yes, active-duty military members and recent veterans may qualify for up to $750 off select models when leased or financed through Acura Financial Services. Recent college graduates qualify for a similar deal — $500 off select models.

If you’re looking to buy or lease a specific model, check Acura’s Current Offers page for details. You may be able to qualify for up to $1,500 off select vehicles if you’re a loyal Acura owner or currently driving a newer model from a competing manufacturer.

What will a new Acura cost me?

A new Acura will cost anywhere from $25,900 to over $150,000 — it all depends on the model you choose and your negotiating skills.

Choose a type

Cars

ILX

  • Starting MSRP: $25,900
  • Build: Sedan
  • City/highway MPG: 24/34

TLX

  • Starting MSRP: $33,000
  • Build: Sedan
  • City/highway MPG: 23/33

RLX

  • Starting MSRP: $54,900
  • Build: Sedan
  • City/highway MPG: 20/29

NSX

  • Starting MSRP: $157,500
  • Build: Coupe
  • City/highway MPG: 21/22

SUVs

RDX

  • Starting MSRP: $37,600
  • Build: Crossover
  • City/highway MPG: 22/28

MDX

  • Starting MSRP: $44,400
  • Build: SUV
  • City/highway MPG:20/27

Car insurance costs that come with driving an Acura

Does a new Acura come with a warranty?

Yes, every new Acura comes with a four-year, 50,000-mile limited warranty that covers repairs or replacements of defective parts, but not normal wear and tear. If you’d like more coverage, you can opt for Acura Care — which extends coverage up to eight years or 120,000 miles. And if you’re in the market for a preowned Acura, you can purchase this extended protection plan for your used vehicle as well.

Compare car loans to buy an Acura

Data indicated here is updated regularly
Name Product Minimum credit score APR Loan term Requirements
Carvana
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
car.Loan.com Car Loans
300
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
300
Varies
Varies
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
500
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
LightStream Auto Loans
Good to excellent credit
Competitive
2 to 7 years
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
LendingTree
Good to excellent credit
Starting at 3.09%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
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Compare up to 4 providers

Bottom line

You have a few ways to finance a new or preowned Acura — from a traditional car loan to financing directly through Acura Financial Services. To find the best deal available to you, compare offers from a few car loan providers first before hitting the dealership.

Frequently asked questions

Pictures: Acura’s Official Page

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