FAQs

Along with being a leading car leasing company, Westmount Auto Group also functions as a car broker. Using us as your car broker, you can forget about spending countless hours trying to find the perfect match at the best deal.

While we do hold an extensive collection of new vehicles for sale on the Jersey Shore and in Miami Beach, you might be seeking a particular car we have out of stock. As we strive for excellence, we do not let that be the end of your customer journey. With a car in mind, we will hunt the best deal down on your behalf.

If you have already looked through our selection of vehicles and did not find the perfect car, please do not hesitate to contact us. Our staff will collect all the necessary information from you before starting the search. We won’t just find the exact car, we’ll find you the one with the best deal.

Car Leasing Basics

Car leasing is perfect for many drivers. The cost savings are universal, allowing for more extravagant vehicle choices.

Going for a lease is perfect for those that want a simple ownership experience and don’t mind switching cars every few years. With most lease cars being brand new, there should be less trouble when it comes to breakdowns. If they do happen, they’ll be covered by the warranty. For those that want to test out new cars constantly, a lease is a perfect option, letting you swap cars every few years. If you happen to find the vehicle of your dreams, then you’ll still have the added flexibility to purchase it.

A car lease is recognized as an attractive alternative to buying a new car. Instead of making payments against the car’s total value, you only pay the car’s expected depreciation over the lease term. Once that period is over, typically 36 months, you are free to either return the car or buy it for the remaining price difference. Aside from rare exceptions, leases are only offered on new vehicles.
Going with a car lease allows you to enjoy a host of added benefits when compared to purchasing a vehicle.
Lower Price: The monthly payments on a leased car will typically be less than on a financed vehicle. This allows owners to upgrade to the next tier or simply save money.
Less Due at Signing: When leasing a car, there is little to no down payment. At most, you will need to pay taxes, fees, and the first month’s payment.
Less Hassle: Since a leased car is new and most lease terms last only three years, the original warranty will cover most maintenance work. Additionally, there is no worry about selling the car when you’re done with it. At the end of the term, you are free to return it and swap it for a different one.

Westmount Auto Group offers an online car leasing experience, allowing you to view our extensive collection from the comfort of your home. If something catches your eye, message one of our staff members, and we’ll get the process started for you.
If you cannot find a car you love in our collection, we can still help. We can function as a leasing broker in NJ, NY and FL. We utilize our countless industry connections to get you into any lease car you desire.
Additionally, we offer services such as insurance brokering, collision repair, as well as wear and tear protection to make sure that you can drive your new leased car without worrying about a thing.

All of our leases are directly with the manufacturers own finance division unless specifiedotherwise.

When you lease a car, depending on your credit rating/history, you have the option of not putting a down-payment if you desire a higher payment or you can put a down-payment if you want a lower payment. Should you wish to not purchase the car at the residual value when the lease is completed, you can turn in the car and walk away, or lease a brand-new car.
Leasing also offers lower monthly payments and the chance to drive a new car every few years, minimal maintenance costs since most issues are covered by warranty. However, unlike buying, you won’t own the vehicle at the end of the lease.

You do not own a car when you lease, the car belongs to the lienholder – which is normally the bank. When the lease is completed, you have the option to purchase your leased car at its residual value, plus tax and any applicable fees. Once your car is fully paid off, then you will own the car.

To put it simply, a car broker will manage the process of buying a car on your behalf. This can include finding the specified vehicle, negotiating its price, securing car financing, and delivering the paperwork.
Depending on the vehicle, this process can take a long time for an individual. Going at it alone might result in hours spent visiting multiple dealerships negotiating for the best price. Thanks to our trained staff and established connections with Brooklyn, New York car dealers, the overall process is smoother and faster for you.
Allow us to demonstrate our experience and dedication to being the best car broker on the Jersey Shore and Miami Beach..
Moving forward with the services of a car broker will grant you a host of benefits.
Nearly Endless Possibilities. Since you are not limited to what is found on the lot, you can pick from a much more comprehensive array of cars for sale in Brooklyn. It’s a sense of choice that any regular car dealership can’t match.
Time Savings. No more having to go dealer to dealer and waste hours on end to find out that the dealer can’t reach your desired monthly payment. With our trained staff handling the car-hunting and price negotiations, you are free to live your life.
Money Savings. Signature Auto Group has been in the industry for over two decades. We have created deep professional relationships with networks of car dealers in New York. This allows us to secure lower pricing than what someone on their own would receive.
Privileged Access. For more exclusive cars, an auto broker in New York City can also utilize their professional relationships to extend perks to you. For instance, a car broker may be able to bump you up a waiting list thanks to their solid relationship with the dealer.
At the end of the day, a car broker in Brooklyn is a professional car buyer. You can be confident that any member from Signature Auto Group will bring a smooth experience while avoiding any deceptions in the car buying process.

Yes, we are a fully licensed insurance brokerage that also offers home and commercial insurance policies. Speak with your Vantage sales representative today for more information and a chance to save your business thousands of dollars!

We work with all makes and models, from economical to luxury to performance; our team will consult with you and work within your budget.

Terms

Yes, some leases offer a “$0 down” or “sign-and-drive” option, meaning no upfront costs. However, this option might increase your monthly payments as the total lease cost is spread out over the lease term.

With a zero-down lease, your total lease cost is spread across your monthly payments, so they’ll be slightly higher. This option can be convenient if you want to minimize upfront expenses.

Monthly payments are influenced by the car model, down payment, mileage allowance, credit score, fees, and taxes. Premium models or additional features may also increase the cost.

Yes, leasing often includes fees like acquisition fees, disposition fees, taxes, and possibly excess mileage charges. Reviewing all costs with your leasing company before signing is essential.

When you lease a brand new car, you are limited on the number of miles that can be driven throughout the lease term; you are entitled to drive only that said miles per year to ensure you do not go over your limit. Further details will be discussed prior to the signing of the final lease paperwork.

36-48 months is standard, however some banks will allow lease contracts up to 60 months!

18-24 months are generally the shortest lease terms allowed, depending on the manufacturer.

A “One Pay Lease” or a “Pre-Pay Lease” is when a manufacturer offers a special lease rate and requires you to pay the entire lease upfront for a deep discount.

Credit

You are being asked to be a co-signer on a lease/purchase for someone that probably does not have a well-established credit history or has a low credit score. If you know that individual personally, and you know they have a stable monthly income, you should co-sign only at your discretion.

You will need to be employed in order to lease a car, and in some situations, depending on your credit rating, the bank may request proof of income. If you are retired and are receiving social-security benefits, please notate this on your application for credit.

If you get your car through Westmount, we do not charge you a broker fee on top of your down payment.

If you have a limited credit history but are currently employed, we recommend you obtain a co-signer that has a better credit rating. The co-signer then becomes joint on the lease/purchase, and if you make on-time payments you will rebuild your credit as well. Keep in mind, the co-signer is equally responsible for on-time payments as you will be–if you are late on a payment, it will reflect on both you and your co-signers credit report.

Yes, leasing is possible with a lower credit score, but you may face higher payments or a larger down payment. Generally, a credit score of 620 or above is preferred for the best rates, but options are available for those with lower scores.

It varies depending on the bank, as they each underwrite differently. There are other factors involved in leasing a car besides credit score, such as credit history and debt-to-income ratio, that could impact the overall approval process. Westmount Auto Group works with a wide variety of banks to help increase your chances of being approved!

Yes, but you may need a co-signer with good credit. Students or young drivers without a credit history can often lease a car with a parent or guardian as a co-signer.

Yes, non-residents can lease a car. You’ll typically need to provide additional documentation, like a valid visa or a Green Card, as well as meet specific state requirements.

Pricing

In a demanding economy, automotive lease/finance prices fluctuate every month. Our devoted sales consultants spend countless hours every day, actively searching and securing excellent offers pertaining to that specific month. We do the negotiating for you already! Our team also works with every make and model.

There are many options available to consumers when it comes to acquiring a new car. Our team emphasizes detail to make sure you get the right information presented to you from the very beginning. The majority of our clients come from many cities all around Southern & Northern California.

End of Lease

When your lease ends, you return the vehicle, typically with a fair “wear and tear” check. If you’d like to lease or buy a new car, this can often be arranged during the return process.

Yes. Westmount Auto Group offers Wear and Tear protection at low cost in order to cover you for up to $5000 in damages. Drive with Peace of Mind.

It depends on the manufacturer, but in some cases you can extend for up to a year! Talk with your Westmount sales representative about the possibility of extending your lease.

All of our leases are closed-end and have a set buy back option for you to purchase it at the end of the lease.

Unfortunately, no. The payoff amount is based on the residual value, which would have been disclosed to you when you originally signed your lease contract.

Most leases have penalties for early termination, but some companies offer flexible options. If you’re considering ending a lease early, contact your leasing company to discuss alternatives.

Yes, many companies allow trade-ins, even mid-lease, depending on terms and the vehicle’s value. This can help you transition into a different model without a lengthy process.

Im Ready

Many of our cars are in dealer stock and can be delivered the very next day. if one of the dealers in our network do not have the car that you want we can “swap” it in from another dealer or factory order it with your exact specifications.

All of our pictures online are stock or file photos only. We will be happy to email you pictures of your actual car before delivery.

Fill out a credit application and your sales consultant will be in touch with you. Once we have received credit approval, we prepare your car for delivery. All the paperwork and your new car get delivered to our office. All you have to do now is show up, sign the paperwork and take delivery of your new car; it is that easy. We can even arrange to get your car delivered to your own home or office.

All of our team members are experienced in retail and are ready to answer any questions you may have. Customer service has always been our top priority; from the moment you give us a call, you will feel that you’re in great hands. Our consultants work around the clock to make sure your next auto purchase is as blissful as possible.

If you cannot make it to our office, we can arrange to get your new car delivered right to your home or office. Our finance team will deliver the car and take care of all the paperwork. This is a complimentary service of our company. If your home or office is outside a 50-mile radius of Los Angeles, a delivery fee will apply. Please contact us for more information.

We have 3 locations to better serve you.

Lakewood, New Jersey – 732.987.3993

Monsey, NY – 845.363.8600

Miami Beach, FL – 305.886.3993

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