Finance Center

Welcome to Our Financing Department

Confused whether you should buy or lease your next vehicle? Don't worry. The financial experts at Shottenkirk Mount Pleasant are here for you to go over your options today. Our finance department has years of experience and knowledge to find you the best plans and options available. We understand each customer's situation is different, and we will work to find you the best financial strategy to get you on the road today.

Advantages of Buying and Leasing

Deciding whether you should buy or lease your next vehicle can be quite confusing. Both options come with pros and cons to be considered before making your choice. One of the major benefits of buying is that customers will eventually own their vehicle once payments are concluded. Other benefits include the ability to make vehicle modifications, buying is typically a more economical choice in the long run, and customers have more flexibility to sell their vehicle. When considering leasing options, there are plenty of benefits as well. Benefits of leasing include lower monthly payments, customers often have the ability to get a higher-end model at a lower costs, fewer repair fees, and the ability to trade in your lease every 2-3 years.

Disadvantages of Buying and Leasing

Both buying and leasing come with disadvantages to consider, too. A few negative aspects to buying are higher monthly payments, vehicle depreciation, customers are responsible for repair costs after their warranties expire, and a higher initial down payment. Cons of leasing include a driving mileage limit, pricey lease termination charges, unexpected wear-and-tear charges, and the fact that customers will not own the vehicle at the end of the lease.

Should You Buy or Lease?

The option to buy is great for customers looking to keep their vehicle for the long term or those looking to customize their vehicle and make it their own. Leasing options are excellent for those looking to have an updated model every year and aren't ready for the commitment of vehicle ownership.

Ultimately, the decision to buy or lease is an individual decision that you should discuss with the finance department here at Shottenkirk Mount Pleasant. We are here for all of our loyal Mount Pleasant, IA area customers to answer your questions and assist you today. We have a vast new inventory of cars, trucks, and SUVs in stock and ready for you. Stop by and speak with our experts about your options today!

Your privacy is important to us.

Shottenkirk Truck Stop takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


Shottenkirk Truck Stop

2301 E Washington St
Directions Mount Pleasant, IA 52641

  • Sales: (319) 249-5284
  • Service: (319) 249-5284


  • Monday 8:30am to 8:00pm
  • Tuesday 8:30am to 8:00pm
  • Wednesday 8:30am to 8:00pm
  • Thursday 8:30am to 8:00pm
  • Friday 8:30am to 8:00pm
  • Saturday 8:30am to 6:00pm
  • Sunday Closed