How to finance a Jaguar

Jaguar is well-known for its luxury brand of high-priced fast cars. Among their different models, buying a new vehicle can run you anywhere from around $37,000 to well over $100,000 after additional features. But luckily, there are several financing options available.

How can I finance a Jaguar?

When you’re looking to finance a Jaguar, one option is to take out an auto loan from a credit union, bank or online lender. These usually offer more favorable rates and terms than going through a dealership, though they’re typically not as fast or convenient.

Prefer to take the fast lane? Then you might want to consider leasing or financing directly through Jaguar Financial Group.

• Jaguar financing. Getting your new Jaguar financed at the dealership is one of the fastest and easiest choices, but it might come with higher interest rates. Prices will vary based on which model you buy, where you live and which dealership you go to. Current offers include 0% APR financing on the 2019 XE and I-Pace models for 24 to 60 months.*
• Jaguar leasing. If you don’t want to stick with the same car for too long, you might consider saving money by leasing a car. Although how much you pay will vary based on where you live and which dealership you go to, current offers include leasing the 2019 F-PACE Premium model for $459 per month for 36 months with $3,995 due at signing.*

The local dealership you visit may also have special offers and promotions as well. As with any loan, the actual rates you’re offered are based on your financial situation and past credit history.

_{*Rates as of May 1, 2019.}

How to apply with Jaguar Financial Group

Apply for financing through Jaguar Financial Group online by following these steps:

1. Go to the Jaguar Financial Group website.
2. Scroll down to the bottom of the page and choose Estimate Payment under Financing Tools.
3. Select the model you’re interested in.
4. Enter your ZIP code and select either Lease or Loan.
5. If you want to trade in your vehicle, select Yes and enter your vehicle’s trade-in value and the amount you’ll owe on your current car loan at the time of the trade in. Otherwise, select No.
6. Enter your down payment and the loan payment you’d like. If you have an idea of the APR you can qualify for, enter that as well. Hit Calculate.
7. Review the vehicle price, down payment and net trade-in value, estimated monthly payment, loan amount and APR. If you’re interested in this loan, choose Apply for Finance.
8. Follow the directions to complete the required fields.

The next step is to visit a local dealership. Print out your offer and find the closest dealership near you on the Jaguar website. You might want to call ahead in case your dealership requires any additional documents.

Jaguar Financial Group pros and cons

Compare car loan providers

Use our comparison table for a side-by-side view of available lenders to help you get behind the wheel of a new Jag. Select up to four loan providers at once.

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Name	Product	Filter Values	Minimum credit score	APR	Loan term	Requirements
PenFed Auto Loans			Varies	Starting at 5.19%	3 to 7 years	Active membership with PenFed	One of the largest national credit unions in the U.S., it offers new and used auto financing with transparent low rates.	Go to site More Info	Compare	loading Fetching your data...
CarGurus			Varies	Varies depending on the lender	3 to 6 years	Varies depending on the lender	Go to site	Compare	loading Fetching your data...
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	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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Does Jaguar offer special discounts or programs?

Jaguar is partnered with International AutoSource (IAS) to offer exclusive discounts and services to US military members currently stationed overseas or deployed at sea, as well as expatriates who are moving to the US for work or educational reasons. To find out if you’re eligible to take advantage of this program, call an IAS consultant at 833-347-4489.

Check your local Jaguar dealership to see if they have any special programs available.

What will a new Jaguar cost me?

While prices are negotiable and may vary based on the dealership you visit, a new Jaguar will generally cost anywhere from $37,000 to well above $100,000 after additional features.

Here are the starting manufacturer suggested retail prices (MSRPs) for Jaguar’s 2019 models:

Choose a model

Cars

SUVs

Electric

Cars

XE

• Starting MSRP: $36,995
• Build: Sports Sedan
• City/highway MPG: 32/42

XF

• Starting MSRP: $ 49,965
• Build: Sedan or Sportbrake
• City/highway MPG: 31/42

F-TYPE

• Starting MSRP: $60,750
• Build: Sports Coupe
• City/highway MPG: 23/30

XJ

• Starting MSRP: $76,000
• Build: Sedan
• City/highway MPG: 18/27

SUVs

E-PACE

• Starting MSRP: $39,950
• Build: SUV
• City/highway MPG: 21/28

F-PACE

• Starting MSRP: $ 45,200
• Build: SUV
• City/highway MPG: 26/33

Electric

I-PACE

• Starting MSRP: $69,500
• Build: SUV
• City/highway MPG: 72/80

Car insurance costs that come with driving a Jaguar

What is the warranty for a new Jaguar?

Yes, new 2019 Jaguar vehicles come with a limited warranty that lasts for five years or 60,000 miles — whichever comes first. Services under this warranty also include complimentary scheduled maintenance to ensure your car is in tip-top shape as well as 24/7 roadside assistance.

You may also receive a one-year limited parts and accessories warranty, in which any repairs or replacements will be done for free.

Bottom Line

Jaguar is famous for its fast luxury cars for a luxury price. Fortunately, you have many financing options to choose from, whether cost, speed or convenience is your top priority. While financing directly from a Jaguar dealership may be the fastest and easiest route, you may be able to score a lower rate through a bank or online lender — keeping you in the fast lane without hurting your wallet.

Ready to get started? Check out our guide to car loans to learn how they work and compare different options.

Frequently asked questions

Should I get a new or used Jaguar?

It depends on your budget and needs. A new car will generally have more financing options with lower interest rates, while a used car will often have fewer options with higher interest rates and stricter terms. However, a new car is typically more expensive and more quickly loses value after use. A used car can save you a lot of money and can sometimes be in just as great of shape as a new one.

Should I buy or lease a Jaguar?

There are several freedoms you have when owning a car that you typically don’t have when leasing: You have unlimited mileage, you can customize the vehicle to your liking and you can sell it in the future. However, if you want to upgrade your car every few years, you’ll usually save more money by leasing — but the tradeoff is that you’ll be making monthly payments for the entire duration of the lease.

Pictures: Shutterstock and Jaguar’s official page