If you like driving a new Cadillac every few years while enjoying affordable monthly payments, SmartLease may be right for you. You may be able to lower your monthly payment even more by trading in your current vehicle. SmartLease also allows you to take advantage of incentives, such as rebates you've accumulated in The GM Card© program. Keep in mind, with SmartLease you do not own the vehicle?it must be returned to your Cadillac Dealer at lease end unless you choose to exercise the purchase option.

Generally, if you plan to drive your vehicle for more than just a few years, you consistently drive well over 15,000 miles per year, you subject your vehicles to rough treatment, you plan to alter the vehicle's appearance, or you feel more comfortable with the idea of owning a vehicle, traditional financing is probably a better option for you.

Yes. There are a variety of SmartLease term lengths. Ask your Cadillac Dealer for details

Leasing is a financing option that lets you pay for the portion of a vehicle you expect to use over a specified term, plus a rent charge, taxes and fees. For example: you might want a $40,000 vehicle. And that vehicle might be worth about $22,000 at the end of your lease (residual value). If you purchase the vehicle using traditional financing, your monthly payments will be based on the entire $40,000 value of the vehicle, plus a finance charge, and you will own the vehicle at the end of your financing term. However, if you lease the same vehicle, your monthly payments will be based on the amount of the vehicle you expect to "use up" over the lease term, plus a rent charge, taxes and fees. This value ($18,000 in our example) is the difference between the original cost ($40,000) and the estimated value at lease end ($22,000). With leasing, you can get affordable monthly payments, a new vehicle more often, more vehicle for the money, and no resale or trade-in hassles. Keep in mind, with leasing you do not own the vehicle, you return it to your dealer at lease end unless you choose to exercise the purchase option as defined in your lease agreement.

You are responsible for all maintenance on your vehicle, such as oil changes. You can refer to your vehicle Owners Manual for the recommended maintenance schedule. You must have valid public liability and physical damage insurance policies on your vehicle. The lease specifies required coverage amounts.

Yes. Your warranty coverage is exactly the same whether you lease or purchase. Ask your Cadillac Dealer for limited warranty details.

Yes. The General Motors Protection Plan, available from your Cadillac Dealer, has been designed to provide a wide range of time/mileage coverages. For added convenience, choose SmartCare?, an affordable vehicle maintenance plan, the cost of which can be built right into your SmartLease payment.

You're protected. SmartLease includes gap protection at no extra cost to you. It guarantees that if your vehicle is stolen and not recovered, or totaled in an accident and there is an insurance settlement, you are responsible for only the insurance deductible plus any unpaid fees, taxes, and amounts due.

Keep your vehicle in good working condition, repair any damage and excess wear, and follow the recommended maintenance schedule in your Owners Manual. Your Cadillac Dealer has the details or call GMAC at 1-800-32-SMART

Yes. You can terminate your lease early by notifying your Cadillac Dealer or GMAC. Your dealer can inform you of your early termination obligations and details of early termination are outlined in your lease agreement.

You are responsible for all maintenance on your vehicle, such as oil changes. You can refer to your vehicle Owners Manual for the recommended maintenance schedule. You must have valid public liability and physical damage insurance policies on your vehicle. The lease specifies required coverage amounts.

Yes. You can purchase the vehicle at lease end for the guaranteed purchase price in your lease agreement plus applicable fees and taxes. If you wish to take advantage of this option or have any questions, contact your Cadillac Dealer. GMAC may also be able to assist you in financing the purchase of the leased vehicle.

While both financing options deliver the benefits of leasing, SmartLease Plus features a payment plan that lets you avoid monthly payments. SmartLease, on the other hand, requires a payment each month over the course of your lease term.

SmartLease Plus may be right for you if you want to drive a new Cadillac every few years and eliminate the inconvenience of monthly payments. You can take advantage of incentives, like rebates you've accumulated in The GM Card program. Plus, you could lower your out-of-pocket costs even more by trading in your current vehicle. Keep in mind, with SmartLease Plus you do not own the vehicle at lease end unless you choose to exercise the purchase option at lease end.

Generally, if you plan to drive your vehicle for more than just a few years, you consistently drive well over 15,000 miles per year, you subject your vehicles to rough treatment, you plan to alter the vehicle's appearance, or you feel more comfortable with the idea of owning a vehicle, traditional financing is probably a better option for you.

You are responsible for all maintenance on your vehicle, such as oil changes. You can refer to your vehicle Owners Manual for the recommended maintenance schedule. You must have valid public liability and physical damage insurance policies on your vehicle. The lease specifies required coverage amounts.

Yes. There are a variety of SmartLease Plus term lengths. Ask your Cadillac Dealer for details.

Yes. Your warranty coverage is exactly the same whether you lease or purchase. Ask your Cadillac Dealer for limited warranty details.

Yes. The General Motors Protection Plan, available from your Cadillac Dealer, has been designed to provide a wide range of time/mileage coverages. For added convenience, choose SmartCare?, an affordable vehicle maintenance plan, the cost of which can be built right into your SmartLease Plus payment.

You're protected. SmartLease includes gap protection at no extra cost to you. It guarantees that if your vehicle is stolen and not recovered, or totaled in an accident and there is an insurance settlement, you are responsible for only the insurance deductible plus any unpaid fees, taxes, and amounts due.

Keep your vehicle in good working condition, repair any damage and excess wear, and follow the recommended maintenance schedule in your Owners Manual. Your Cadillac Dealer has the details or call GMAC at 1-800-32-SMART.

You can arrange for additional miles beyond the standard mileage allowance when negotiating your lease with your Cadillac Dealer. You'll pay less by purchasing extra miles up front, rather than at lease end. Ask about a low mileage lease if you typically do not put many miles on your vehicle.

At the end of your lease term, simply return the leased vehicle. If you've met the requirements of your lease, you'll have no further obligation and any security deposit will be refunded. As with all GMAC leasing programs, you also have the option to buy the leased vehicle. In fact, SmartLease Plus spells out all the terms up front. Your guaranteed purchase price, excluding applicable fees and taxes, is in your lease agreement.

With SmartBuy, you can take advantage of incentives like the rebates you've accumulated in The GM Card program. Plus, you may be able to lower your monthly payments even more by trading in your current vehicle.

When the balloon matures, you can: 1) keep the vehicle and make a final balloon payment for the outstanding SmartBuy balance; 2) keep the vehicle and refinance the outstanding balance; 3) sell the vehicle yourself, pay the outstanding balance and keep any profit; or 4) sell the vehicle to GMAC for the contracted balloon amount less the $250 disposition fee and other charges. You choose the option that best suits your needs.

Customers in North Carolina and Washington, D.C., may prepay their contract by returning the vehicle and paying a $250 disposition fee at a negotiated point during the contract instead of at the end. In addition, no balloon payment is required. SmartBuy is available in New Jersey only on vehicles with a cash price of more than $10,000. See your participating Cadillac Dealer for qualification details.

Yes. There are a variety of SmartBuy term lengths. Ask your Cadillac Dealer for details.

You are responsible for all maintenance on your vehicle, such as oil changes. You can refer to your vehicle Owners Manual for the recommended maintenance schedule. You are also responsible for insuring your vehicle as stated in your SmartBuy contract.

Yes. Ask your Cadillac Dealer for limited warranty details.

Yes. The General Motors Protection Plan, available from your Cadillac Dealer, has been designed to provide a wide range of time/mileage coverages. For added convenience, choose SmartCare, an affordable vehicle maintenance plan, the cost of which can be built right into your SmartBuy payment.

Keep your vehicle in good working condition, repair any damage and excess wear, and follow the recommended maintenance schedule in your Owners Manual. You will only be charged for excess wear if you return the vehicle at the end of the SmartBuy period instead of retaining ownership. Your Cadillac Dealer has the details, or call GMAC at 1-800-32-SMART.

The standard SmartBuy agreement allows you 15,000 miles per year. You can also arrange for additional mileage at the beginning of your contract. If you exceed the mileage agreed to on your SmartBuy contract, you'll only be charged for excess mileage if you sell the vehicle to GMAC at the end of the SmartBuy contract, instead of retaining ownership.

Yes. You can terminate your SmartBuy contract by notifying your Cadillac Dealer or GMAC. Your dealer or GMAC can inform you of your early termination obligations.

SmartBuy is only available in limited geographic areas. Consult your dealer for details.

Traditional financing is an installment sale transaction between you and your dealer whereby you agree to pay the amount financed, plus an agreed upon finance charge, over a period of time.

Generally, if you plan to drive your vehicle for more than just a few years, you consistently drive well over 15,000 miles per year, you subject your vehicles to rough treatment, you plan to alter the vehicle's appearance, or you feel more comfortable with the idea of owning a vehicle, traditional financing is probably a better option for you.

Leasing is a financing option that lets you pay for the portion of a vehicle you expect to use over a specified term, plus a rent charge, taxes and fees. For example: you might want a $40,000 vehicle. And that vehicle might be worth about $22,000 at the end of your lease (residual value). If you purchase the vehicle using traditional financing, your monthly payments will be based on the entire $40,000 value of the vehicle, plus a finance charge, and you will own the vehicle at the end of your financing term. However, if you lease the same vehicle, your monthly payments will be based on the amount of the vehicle you expect to "use up" over the lease term, plus a rent charge, taxes and fees. This value ($18,000 in our example) is the difference between the original cost ($40,000) and the estimated value at lease end ($22,000). With leasing, you can get affordable monthly payments, a new vehicle more often, more vehicle for the money, and no resale or trade-in hassles. Keep in mind, with leasing you do not own the vehicle, you return it to your dealer at lease end unless you choose to exercise the purchase option as defined in your lease agreement.

GMAC traditional financing is conveniently available right at your Cadillac Dealer. Most banks, credit unions, and automotive financing companies also offer traditional financing.