Howard Orloff Volvo Cars has solid relationships with several trusted lenders to help you secure the vehicle of your dreams. You can be approved in just a few hours and in some instances, just a few minutes. Simply fill out our short application form and we'll get right to work for you. An Internet Financial Advisor will contact you with your various loan/lease options, approved APR rates, and any factory incentives that may be available for you.

General questions about financing:

What's the difference between a loan and a lease? When you obtain a loan for a vehicle, your down payment and your monthly payments go toward the total purchase price of your vehicle. When you have paid off the financing, you own your car.

When you lease a vehicle, you make payments to use that vehicle over the term of your lease. We always recommend that you consult your accountant or financial advisor to discuss your particular situation. At the end of your lease, you don't own your car, rather you have options; you can return it to the lease company, or you can purchase your vehicle for the pre-determined residual value and keep it.

How do I choose between financing with a lease or a loan? Consider what you want to drive, how much you plan to drive it, and how long you expect to keep it.

Leasing is worthwhile if...

  • You want the most "vehicle" for your monthly payment;
  • You drive less than 15,000 miles a year;
  • You like to trade-in your car every three (3) years or less; and
  • Owning your car outright is not important to you.

Financing is better if ...

  • Owning your car outright is important to you;
  • You plan to enjoy your vehicle for a long time (in excess of three (3) years);
  • You want to customize your vehicle; and
  • You want the maximum flexibility regarding the number of miles you drive and how long you keep your vehicle.

Typically, the monthly payments on a lease are significantly lower than if you obtain a loan to purchase your vehicle, while having a loan gives you more flexibility in terms of ownership. Over the many years in business, we have forged relationships and worked well with several financial institutions to get our customers the best financing available.

Contact a Business Manager directly:

Colin Cibulka

Alicia Houston

Mark Vignaroli


For an Easy Auto Financing Experience, Put Howard Orloff Volvo Cars, Serving Chicagoland at the Top of Your List

Yeah, you're breaking figures down, but it doesn't have to feel like crunch time. When you're a customer at our Chicago dealership, we'll take on the burden of making the numbers work in your favor. We'll prove it, too. Our auto finance team is just as handy with customer service as they are with calculators. So whether you're interested in a Volvo auto loan or a car lease, they'll make sure to lay everything out for you so it's easily understood.

We're here to make your new Volvo S60, XC60, XC90, XC70 or V60 purchase as carefree as possible. We invite you to get started by filling our online financing application. Or, if you're more interested in speaking with us in person, visit us at 1924 N. Paulina Street in Chicago, Illinois and we can walk you through everything involved in the financing process.

Your privacy is important to us.

Howard Orloff Volvo Cars takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


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