At Carbone Buick GMC of Utica, we get excited about the newest Buick and GMC model releases. And we love being able to provide an assortment of the most popular new and used cars, trucks, and SUVs to customers like you from Utica to Oneida NY. But we know that without affordable financing, our entire selection of vehicles would be unattainable for the vast majority of car shoppers. That's why we do our best to get everyone behind-the-wheel of their ideal vehicle via a car loan or lease they can afford!

Financing Solutions We Provide

Our finance team works hard with lenders in the New Hartford and Rome NY areas in a concerted effort to finance everyone that walks through our dealership doors. We provide bad financing solutions for car buyers and lessees of all situations and credit backgrounds, working hard to make every loan or lease affordable. Our competitive financing rates rival the best of what's available in and around Utica. That means, if you're in the market for a new or used vehicle, you'd stand to benefit by pre-qualifying or applying for financing today.

Finance Specials

Our finance specials are just another way we try to provide you the best deal possible when it comes time to purchase or lease your next GMC or Buick near Whitesboro. Our finance specials include everything from limited-time interest rates to special leases and money-off-MSRP discounts. Before applying for financing, we encourage you to check out our current selection of specials and reach out if you have any questions.

Leasing vs. Buying: Which Is Right for Me?

Should you buy your next vehicle or lease it? That's a common question we get from customers, and while there's no one-size-fits-all answer, here's an overview of why each of these common car financing solutions might be a good idea for you.

Leasing: Leasing lets you finance part of a vehicle's value plus interest for a predetermined period of months - usually 24 to 36. Often, leases have an annual or total mileage restriction. When you reach the end of your lease, you turn in your vehicle and pay any necessary fees, leaving you with the option to step into a new vehicle.

Financing (Buying): Financing allows you to pay off the entirety of a vehicle's value plus interest over a predetermined period of time - usually between 24-72 months. Financing gives you the option to drive as many miles as you like. Plus, when your car is paid off in full, it's yours free and clear. That said, buyouts notwithstanding, financing commits you to a certain vehicle for longer than is typical for a lease.

Contact Us to Learn More

If you'd like to learn more about your car lease and loan options in and around Utica, don't hesitate to get in touch with our finance team today. We're ready, willing, and able to answer all your questions!

Apply for Financing

Ready to purchase or lease your next new or used vehicle today here at Carbone Buick GMC of Utica? Apply for financing online from the comfort of home today and you'll be well on your way to driving away in the vehicle of your dreams.

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Carbone Buick GMC of Utica

5700 Horatio St
Directions 5700 Horatio St
Utica, NY 13502

  • Sales: 315-594-3035
  • Service: 315-541-4205


  • Monday 9:00 am - 7:00 pm
  • Tuesday 9:00 am - 7:00 pm
  • Wednesday 9:00 am - 7:00 pm
  • Thursday 9:00 am - 7:00 pm
  • Friday 9:00 am - 6:00 pm
  • Saturday 9:00 am - 5:00 pm
  • Sunday Closed