Financing with Our Dealership

Charlie Obaugh Kia takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Competitive Rates

No Hassle Credit Checks

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Should You Lease Your New Charlie Obaugh Kia Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Charlie Obaugh Kia can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

Welcome to Our Financing Department

The Finance Department at Charlie Obaugh Kia

So, you're through with the toughest part of the vehicle buying process (finding the vehicle you want), and now you're on to the finance side of things. Does the word finance bring chills to your spine? Fear not, Waynesboro, VA drivers, the Charlie Obaugh Kia finance team is ready to help! Our team of in-house finance experts will work with Staunton drivers to find a payment solution that fits within your unique needs. Here at Charlie Obaugh Kia, our finance team is well connected to a vast lending network that helps to ensure that Charlottesville and Harrisonburg drivers can land a fair finance deal.

Lease or Buy? We Help You Understand Both and Choose the One for You

Crunching numbers, manipulating budgets, and choosing finance options can be tricky. But, with the Charlie Obaugh Kia finance team on your side, the way becomes clearer. We walk you through every step of the way and answer any questions you have. Unsure whether you're the long-term commitment kind of driver who needs a loan, or the driver who prefers to trade in your car for a new one every couple of years with a lease? We'll help you understand the nuances and benefits of both, to help you choose your best path.

Get the Ball Rolling on Financing Your Next Car in Staunton, VA

When you're ready to drive your next car home, the experts at Charlie Obaugh Kia are standing by to help demystify the process. We can answer any questions that you may have, or if you're ready to put us to work for you now, simply fill out our online credit app. That way, we can hit the ground running and you'll be one step closer to owning your next car.

Your privacy is important to us.

Charlie Obaugh Kia takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Charlie Obaugh Kia

    382 Lee Jackson Hwy
    Staunton, VA 24401-5506

    • Sales: 540-324-4446
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Get in Touch

  • Contact our Sales Department at: 540-324-4446
  • Monday8:30AM - 6:00PM
  • Tuesday8:30AM - 6:00PM
  • Wednesday8:30AM - 6:00PM
  • Thursday8:30AM - 6:00PM
  • Friday8:30AM - 6:00PM
  • Saturday9:00AM - 5:00PM
  • SundayClosed