How to finance an Alfa Romeo

Alfa Romeo only has three models available in the US, but each is equipped with lavish features and power that allows you to go from 0 to 60 mph in seconds. But that type of luxury comes at a high price point, so you’ll want to compare your car loan options before contacting a dealer.

How can I finance an Alfa Romeo?

As with all vehicle financing, you can purchase your Alfa Romeo using a car loan from a bank, credit union or online lender. These are typically secured by your purchase — so you can expect lower rates than you’d find with a personal loan. However, it takes time to compare offers to find the best deal out there, so this won’t be the fastest route to go.

Beyond these options, Alfa Romeo offers its own financing and lease programs. This is typically the quickest way to get behind the wheel, but you might not find the most competitive rates and terms. The brand occasionally runs special offers as well, so contact a certified dealer to see if there are any discounts you may be able to take advantage of.

• Alfa Romeo financing. Alfa Romeo offers financing for its three vehicle models through Chrysler Capital. Current offers include 1.9% APR financing for 36 months on the 2019 Stelvio as well as a cash allowance of up to $1,000.*
• Alfa Romeo leasing. The brand also has lease offers through Ally Bank for its Stelvio and Giulia Quadrifoglio models. You may be able to lease the 2019 Giulia Quadrifoglio for $899 per month for 36 months with $6,263 due at signing.*

Like with all financing, the rates and terms your receive will depend on your creditworthiness and other financial factors.

^{*Rates as of May 30, 2019.}

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PenFed Auto Loans			Varies	Starting at 1.79%	3 to 7 years	Active membership with PenFed	Low APR car loans from a well-known credit union.	Go to site More Info	Compare	loading Fetching your data...
Carvana			No minimum credit score	3.9% to 27.9%	Varies	18+ years old, annual income of $4,000+, no active bankruptcies	Get pre-qualified for used car financing and receive competitive, personalized rates.	Go to site More Info	Compare	loading Fetching your data...
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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.	Go to site More Info	Compare	loading Fetching your data...
LendingTree			Good to excellent credit	Starting at 0.99%	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.	More Info	Compare	loading Fetching your data...
myAutoloan.com Car Loans			550	Starting at 1.89%		550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old	Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.	Go to site More Info	Compare	loading Fetching your data...

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Does Alfa Romeo offer special discounts or programs?

Unlike other brands, Alfa Romeo doesn’t have any special car-buying programs for military service members or recent college grads. However, it’s been known to offer loyalty cash bonuses to former customers looking to purchase or lease a new Alfa Romeo. Reach out to your local authorized dealer to see if there are any deals available.

What will a new Alfa Romeo cost me?

The cost of your Alfa Romeo will depend on the model you select and any add-ons you want to include. Below are the manufacturer suggested retail prices for the most basic 2019 models.

Giulia

• Starting MSRP: $38,295
• Build: Sedan
• City/highway MPG: 24/33

Stelvio

• Starting MSRP: $40,295
• Build: Crossover
• City/highway MPG: 22/29

4C Spider

• Starting MSRP: $66,900
• Build: Sports
• City/highway MPG: 24/34

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Does a new Alfa Romeo come with a warranty?

Yes, all three Alfa Romeo models have the same four-year, 50,000-mile basic limited warranty. This covers the cost of parts and labor needed to repair your vehicle due to a defect from the manufacturing process. However, the brakes, wiper blades, clutch, windshield, rear window, wheel alignment and wheel balance are all only covered for one year or 12,000 miles — whichever comes first.

Bottom line

An Alfa Romeo could be the Italian sedan, SUV or sports car of your dreams — but only those with excellent credit will be able to qualify for the lowest rates from Alfa Romeo’s financing company, Chrysler Capital. Otherwise, it may be worthwhile to explore your car loan options to see the potential rates you might snag elsewhere.

Frequently asked questions

• How much does an Alfa Romeo cost to maintain?

  It depends on your use and the wear-and-tear that occurs as you drive. Contact a certified Alfa Romeo mechanic to get an estimate based on your area.

• What's the difference between a basic Alfa Romeo and the Quadrifoglio models?

  The Quadrifoglio models are Alfa Romeo’s most luxurious, highest performing vehicles made for drivers with a need for speed. For example, the 2019 Stelvio Quadrifoglio can go from 0 to 60 mph in 3.6 seconds, with a top speed of 176 mph.

• Is it better to lease an Alfa Romeo?

  This depends on your needs. Depreciation can have a big impact on your bottom line with a luxury car like an Alfa Romeo, which could make leasing a better deal. But if you intend on driving your vehicle frequently, the limit on mileage — especially the ultra low-mileage lease — may make financing a smarter choice.

Pictures: Getty Images and Alfa Romeo official page