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Service: 630.797.4570
Parts: 630.797.4599
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Buy vs Lease

Buy vs Lease

We'll Do the Math for You!

For most car shoppers, dropping a lump-sum cash payment to take home a vehicle isn’t a budgetary option. At McGrath Honda of St. Charles, we understand! That’s why we offer both financing and leasing programs that are designed to get you behind the wheel of a great car at a great price. Read on to learn more about each of these options and which might be right for you.

How Can I Finance a Honda?

Let’s begin with financing, which is a very common way for car buyers to manage the expense of buying a new vehicle. With a financing plan, the sticker price of your Honda will be split up into monthly payments, which are more manageable to integrate into your budget. In order to determine how much you’ll pay each month, we’ll work with you to find a balance between your down payment and term length, depending on your credit score. To get a feel for what your installments might look like, let our Payment Calculator crunch some numbers right now — you’ll find it under the “Finance” tab on our website. While you’re there, feel free to fill out a Finance Application if you’re ready to get started!

Leasing

If you like the idea of spreading out the cost of your Honda but aren’t quite ready to commit to purchasing a particular model, leasing could be the right path for you. When you lease, you’re basically borrowing the car from us. This means that you only need to pay for your car’s depreciating value, not the sticker price, so your monthly payments will be smaller than with financing. And while you won’t own the car when your lease is up after around two or three years, you will be able to begin another lease with any new model you choose. Or, if it turns out the Honda you’re leasing is your dream car, you can easily pay off the remainder of its value and keep it at home for good! If you’d prefer to move on, you can always just hand over the keys and walk away.

Choosing Your Honda

If you have an idea of how you want to approach the financial details, we can move on to the fun part — picking out the car you want to drive! Our website makes this process interesting and intuitive. Start out with our entire inventory at your disposal, and then begin narrowing your search based on what you hope to find. The panel on the left of that page gives you plenty of ways to winnow the field, giving you the ability to filter by bigger categories like make, model, and year, while you can get more specific when you choose to see only a particular transmission, engine, or fuel economy.

If you’ve been considering whether to buy vs lease, we hope this information has been of some assistance to you! Whichever you choose, McGrath Honda of St. Charles has a capable staff to walk you through the process as well as a huge selection of great vehicles to choose from. We’re looking forward to helping you get started!


Honda of St. Charles Sales Hours

630.443.6400

Contact Information


Dealership Information

Testimonials

Gurman Brar
Gurman Brar
GOOGLE
5-24-2020
Full Star Full Star Full Star Full Star Empty Star
Cheryl Agnew
Cheryl Agnew
GOOGLE
5-24-2020
Full Star Full Star Full Star Full Star Full Star

I was quickly and efficiently served.

Tim Veal
Tim Veal
GOOGLE
5-22-2020
Full Star Full Star Full Star Full Star Full Star
alicia mason
alicia mason
GOOGLE
5-20-2020
Full Star Full Star Full Star Full Star Full Star
JKrispay
JKrispay
GOOGLE
5-20-2020
Full Star Full Star Full Star Full Star Full Star

"Maxwell was great to deal with and I would suggest anyone..."

Almanac
DEALERRATER
5-20-2020
Full Star Full Star Full Star Full Star Full Star

Maxwell was great to deal with and I would suggest anyone going to McGrath Honda to ask for Maxwell. He was straightforward, helpful, and reasonable.

Jass Maldonado
Jass Maldonado
GOOGLE
5-19-2020
Full Star Full Star Full Star Full Star Full Star

A HUGE thank you to Edward Radziewicz & the rest of the team who helped me yesterday purchase a car! I went to a different Honda location before this one and was treated pretty bad But the moment I walked into this location they make you feel welcomed and they go above and beyond to earn your business So if your looking for a new or used car this is definitely the place to go and Edward is the man to see

Mike Manzello
Mike Manzello
GOOGLE
5-19-2020
Full Star Full Star Full Star Full Star Full Star
Kim Drwal
Kim Drwal
GOOGLE
5-19-2020
Full Star Full Star Full Star Full Star Full Star

Never disappointed in McGrath Honda! Thank you so much for helping me with my car maintenance and getting it done quickly!! Special thanks to TJ and Zach for always being so helpful, nice and easy to work with!!!

April Yambot
April Yambot
GOOGLE
5-19-2020
Full Star Full Star Full Star Full Star Full Star
Brenda Silva
Brenda Silva
GOOGLE
5-10-2020
Full Star Full Star Full Star Full Star Full Star
Alicia Noyes
Alicia Noyes
GOOGLE
5-9-2020
Full Star Full Star Full Star Full Star Full Star

The staff was welcoming and warm, not to mention patient. They answered all of my questions and made sure I understood the ins and outs of the service contract. Not to mention I got an unbelievable deal!

"Great customer service. I really appreciated the..."

il23bulls
DEALERRATER
5-5-2020
Full Star Full Star Full Star Full Star Full Star

Great customer service. I really appreciated the hospitality. Would refer out to any one who is looking for a car. My kiddos love the spaciousness.

Terrence Shanahan
Terrence Shanahan
GOOGLE
5-4-2020
Full Star Full Star Full Star Full Star Full Star
Blake Torphy
Blake Torphy
GOOGLE
5-2-2020
Full Star Full Star Full Star Full Star Full Star
Rita Butler
Rita Butler
GOOGLE
4-30-2020
Full Star Full Star Full Star Full Star Full Star
Jonathan Kurzeja
Jonathan Kurzeja
GOOGLE
4-25-2020
Full Star Full Star Full Star Full Star Full Star

"Friendly, competent staff"

musiczak
DEALERRATER
4-20-2020
Full Star Full Star Full Star Full Star Full Star

This is not the first car I have purchased at McGrath Honda. Each experience seems to be better than the last. There are improvements and updates to the sales process each time.

Aaron Neilsen
Aaron Neilsen
GOOGLE
4-19-2020
Full Star Full Star Full Star Full Star Full Star

They extended my service warranty by 6 months which was a very nice surprise as I have owned my vehicle past a year already. So I got my oil change and tire rotation for free and they didn’t have to do that. Very nice. They were also very informative and helpful.

Jorie Akins
Jorie Akins
GOOGLE
4-17-2020
Full Star Full Star Full Star Full Star Full Star

We looked at many cars at several dealerships and McGrath Honda was by far the best dealership!! The salesman was knowledgeable but did not oversell and pressure us. The manager ultimately worked with us to help us find a car that was within our budget that we’ve been very happy with in every way. The service department has been very professional and helpful as well.

Greg Farrand
Greg Farrand
GOOGLE
4-16-2020
Full Star Full Star Full Star Full Star Full Star

Great experience with their whole staff! Zach and Dan were especially patient and explained everything with great detail! I plan to be back for all my future service appointments.

Richard Wozny
Richard Wozny
GOOGLE
4-14-2020
Full Star Full Star Full Star Full Star Full Star

Everyone at McGrath Honda in St. Charles whom I dealt with either by email or phone were great people to work with. From coming to an agreement on price and payment through the delivery of my 2020 CRV Hybrid to my driveway. This was by far the best car buying experience I've ever had and I bought many cars before this. So far I LOVE everything about my CRV, from the performance, safety features, handling, gas mileage , styling and color.

Cassandra Sanchez
Cassandra Sanchez
GOOGLE
4-13-2020
Full Star Full Star Full Star Full Star Full Star

Sales department made my first new car purchasing experience smooth and easy. Gave me their time and attention throughout.

Stephanie Coatney
Stephanie Coatney
GOOGLE
4-11-2020
Full Star Full Star Full Star Full Star Full Star
Raj Patel
Raj Patel
GOOGLE
4-9-2020
Full Star Full Star Full Star Full Star Full Star
Sterling Chism
Sterling Chism
GOOGLE
4-9-2020
Full Star Full Star Full Star Full Star Full Star

Probably the best experience I’ve ever had in purchasing a car .Magrath Honda has probably the finest people I know in the business. And I know a few cause my son was in the business. My experience overall was excellent

Alisson Pantoja
Alisson Pantoja
GOOGLE
4-9-2020
Full Star Full Star Full Star Full Star Full Star
Margarita Escalante
Margarita Escalante
GOOGLE
4-9-2020
Full Star Full Star Full Star Full Star Full Star
John Boyzo
John Boyzo
GOOGLE
4-9-2020
Full Star Full Star Full Star Full Star Full Star

Spoke to John in the parts department and even though they couldn't get the part for me (because it's for an Acura) he took the time to give me the part # so that I could find it easily at Acura.

"This is the best dealer I have visited"

heskander
DEALERRATER
4-2-2020
Full Star Full Star Full Star Full Star Full Star

Not all honda dealers are the same as I have been to few earlier but McGrath Honda of St Charles is the best for many reasons: great and plenty selections of used and new cars, great customer service, great support even after the end of the sale and no push in any way. i am recommending McGrath Honda of St Charles to everyone.

"Thank You McGrath Honda!!"

Sam D.
DEALERRATER
4-2-2020
Full Star Full Star Full Star Full Star Full Star

After a traumatic car accident, leaving my 2012 Honda Civc totaled, purchasing a new car from McGrath Honda of St. Charles was a breath of fresh air. Darek was extremely knowledgeable, answered any/all questions, and showed me all of features of the new 2020 Honda Civic. I was so relieved to be working with people who cared about getting me a new, safe and reliable new car. This is our family's 4th Honda from McGrath Honda of St. Charles. As you can see, we trust them through and through!

"Happy Honda Lady"

Honda lady
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

This dealership was very professional and excellent service love my car.Sales person was very helpful and did an excellent job helping me out with the purchase.

"Car needed some work and they took care of it as they..."

greatsaves1
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

Car needed some work and they took care of it as they said they would! They also did it in a Timely manner timely manner getting back to me as he said they would!

Guru6N4HT
Guru6N4HT
CARGURUS
4-1-2020
Full Star Full Star Full Star Full Star Full Star

We didn't end up purchasing the vehicle but Jose and George were very helpful and showed us a few vehicles and were willing to try to work with us to get us out the door with a price we were comfortable with.

"Service dept CJ was excellent in getting my car serviced..."

harty39us
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

Service dept CJ was excellent in getting my car serviced and back to me in a timely manner. I highly recommend McGrath Honda for all your needs.

"Mike P"

MPETERS8
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

Needed to get the oil changes. Got a coupon from McGrath. Great price, couldn't refuse to get legit Honda service from McGrath for such a deal. Staff got me in and out in less than a half hour. They took great care to ensure car was germ free. Jose Espinoza came over and from a safe distance asked if i wanted to trade in. Told him we were not ready just yet. THANKS MCGRATH!

"The technician explained in detail the services required..."

nikipat72
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

The technician explained in detail the services required for my car and also suggested things I need to take care before next time I come in.

"Purchased a new Honda Accord Hybrid"

james.j.goldsmith
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

Darek, Jason and the team at McGrath Honda of St. Charles did a great job helping me through the steps necessary to select and then purchase a new car. Since buying the car, I have been very happy with the level of service they continue to provide which, I think, is the real measure of a dealership's quality.

"Great customer service as usual. Prompt and always in..."

llbocce
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

Great customer service as usual. Prompt and always in communication with me regarding updates prior, during, and after service. Vehicle was returned as expected and repairs were beyond our satisfaction.

"This is a wonderful dealership. Any person I’ve dealt..."

smjstoll
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

This is a wonderful dealership. Any person I’ve dealt with has been professional, helpful and friendly. That’s why I recommend this dealership to friends.

"TJ was awesome!"

rsgeren1
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

TJ and the crew took care of me from start to finish, would highly recommend this dealership! They gave me a great deal on my 2019 Honda Accord and the service has been awesome.

"Warranty work"

ksimons304
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

It was nice to be notified of a non-recall recall work to be done on my 2012 Fit. The work was done promptly and professionally. An added nice touch was being notified of other repair issues and prices with the car when the original work was done.

"Riley Ward was a great communicator. Chance in finance..."

rtwind5
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

Riley Ward was a great communicator. Chance in finance made the closing easy. Jose Espinosa was professional at all times and made the experience a breeze.

"I had a great experience buying a car for my son, they..."

Yasisean1428
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

I had a great experience buying a car for my son, they went out of there way to make me happy and satisfied. I highly recommend them I would go back for my next car.

"It was good. "

ktsheehan
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

The service was good and the rep was thorough. I was pleased with the service. I also appreciated the coupons that came in the mail.

"I always get great service every time I come in...."

haase.debbie
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

I always get great service every time I come in. Everyone always treats you as a person and not just someone that owns a Honda.

"Good timely service . I think it was Alex and he..."

JODYGHART
DEALERRATER
4-1-2020
Full Star Full Star Full Star Full Star Full Star

Good timely service . I think it was Alex and he explained everything well. I needed an oil change and they discovered my wipers needed to be fixed . So I said I just had them done . He checked and it was just over a year so they gave me a discount !

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