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How to finance a Buick

Compare options to get behind the wheel of this luxury car brand.

Updated

Enclave

Buick is the luxury division of General Motors. While its cars start at a higher price point than many, you have multiple financing options to choose from.

How can I finance a Buick?

You can finance your Buick through a traditional car loan — either from a bank, credit union, online lender or Buick dealership — or with a personal loan. Keep in mind that financing directly through a dealership tends to be more expensive, but it can help you qualify for special offers and discounts. Plus, it’s normally the fastest option available.

Buick offers financing through its parent company, General Motors (GM). Here’s how it breaks down:

  • Financing through GM Financial. In the past, it’s offered between 16% and 20% off the manufacturer suggested retail price (MSRP) of select Buick vehicles for qualifying non-GM owners who finance through GM Financial.
  • Leasing through GM Financial. As of October 2019, Buick didn’t offer any special lease deals through GM Financial. However, these offers change frequently, so check the Buick website to see if there are any new options available.

The best financing for you depends on your personal financial situation and priorities. We recommend getting preapproved for a car loan from multiple lenders before visiting a dealership to find the best deal available to you.

Read our review of GM Financial

Compare car loans to finance a Buick

Data indicated here is updated regularly
Name Product Minimum credit score APR Loan term Requirements
Carvana
No minimum credit score
3.9% - 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

Does Buick offer special discounts or programs?

Yes, Buick offers a variety of discount programs that can be combined with current offers for extra savings. These include:

  • GM Family First discount. Available to GM employees and eligible family members.
  • Dealership Employee and Supplier discount. Available to GM dealership or supplier employee.
  • First Responder discount. Available to first responders, including firefighters, police officers, EMTs, paramedics and 911 dispatchers.
  • Military discount. Available to military members, including active-duty members, reservists, recent veterans and retirees.
  • Educator discount. Available to employees of public schools, private schools, colleges and universities.
  • College discount. Available to current college students, graduate students or recent college graduates.

Discounts aren’t available on all trims. Your Buick dealership will be able to give you more details and let you know if you qualify.

What will a new Buick cost me?

You could pay anywhere from $20,000 to over $40,000 for a new 2019 or 2020 Buick. Prices will vary depending on where you live, what special features you add on and how well your negotiating skills are.

Choose a type of vehicle

Cars

2020 Buick Regal Sportback

  • Starting MSRP: $25,370
  • Build: Sedan
  • City/highway MPG: 22/32

2019 Buick Lacrosse

  • Starting MSRP: $29,570
  • Build: Sedan
  • City/highway MPG: 25/35

2019 Buick Cascada

  • Starting MSRP: $33,070
  • Build: Convertible
  • City/highway MPG: 21/29

2020 Buick Regal GS

  • Starting MSRP: $39,070
  • Build: Sedan
  • City/highway MPG: 19/27

SUVs

2020 Buick Encore

  • Starting MSRP: $22,300
  • Build: Crossover
  • City/highway MPG: 25/30

2020 Buick Regal Tourx

  • Starting MSRP: $29,370
  • Build: Crossover
  • City/highway MPG:21/29

2020 Buick Envision

  • Starting MSRP: $31,995
  • Build: Crossover
  • City/highway MPG:22/29

2020 Buick Enclave

  • Starting MSRP: $40,000
  • Build: SUV
  • City/highway MPG:18/26

Car insurance costs that come with driving a Buick

Does a new Buick come with a warranty?

Yes, Buick offers both bumper-to-bumper and powertrain warranties for its most recent model years:

YearBumper-to-bumperPowertrain
20184-year, 50,000-mile limited warranty6-year, 70,000-mile limited warranty
20194-year, 50,000-mile limited warranty6-year, 70,000-mile limited warranty
20203-year, 36,000-mile limited warranty5-year, 60,000-mile limited warranty

In addition to these warranties, you’ll also receive one complimentary maintenance visit when you purchase a 2019 or 2020 model. This visit includes an oil change, tire rotation and multipoint vehicle inspection.

Buick also offers a fully transferable extended warranty program backed by General Motors as well as the Buick Protection Plan that covers a wide variety of parts and services. Contact your local Buick dealership for more details.

Bottom line

You have a few options to finance a new Buick — from finding financing yourself through a bank or online lender, or going through GM Financial. To find the best deal available to you, compare your car loan options first before hitting the dealership.

Frequently asked questions

Pictures: Buick’s Official Page

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