Par-K Enterprises: A nice selection of vehicles and financing choices

Whether you want brand-new or affordable pre-owned cars to shop, Par-K Enterprises offers all the choices you could hope for. It's conveniently located in Fulton, NY, not far from Syracuse and Liverpool, NY. Here you can find brand-new Jeep models like the fearless new Jeep Wrangler SUVs designed to take you far off-road, or the more comfortable new options like Jeep Grand Cherokee. And don't miss our new Chrysler and Dodge choices.

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Should you get a loan or a lease? At Par-K Enterprises, you can be choosy

The experts in our finance center understand that there are strong pros and cons to both a car loan and a car lease. We're equally capable of helping you secure either one, and we're also very capable of explaining the differences in simple terms, so you can make up your own mind. For many people, a car loan is the only way to go, so they can someday own the vehicle. Others appreciate the lower monthly payments of a lease. Let's compare.

Advantages of a car loan

When you finance your next car, truck or SUV with a car loan, you can gain a number of financial benefits. With a car loan, you're building equity - or cash value - in your vehicle every time you make a monthly payment. When you make those monthly payments right on time, you're also helping to gradually raise your credit score. The cash value you build with a car loan is real money you can someday use to help pay for your next vehicle.

How much will my monthly car loan payments be?

It's easy to find out using our digital "Payment Estimator" or "Payment Calculator" tool. Just plug-in each of the key variables and you'll instantly see what your monthly loan payment will be. First apply for a car loan in advance with our online financing application tool to find out what you can qualify for and what your interest rate will be. Our "Value your trade" tool shows the value of your current car that can be used toward your next car.

Want to lower your monthly loan payment? Our tool shows you how

The amount you pay each month for your car loan is a function of four things: The price of the car, the APR or interest rate, how much down payment you make and the length of your loan. A good way to reduce your monthly payment is to increase your down payment, as the calculator tool will show you. Another approach is to get a longer-term loan: Instead of 36 months, lengthen the loan to 60 or 72 months and your payment drops.

Advantages of a lease

The biggest attraction of a lease for most people is the chance to lower the amount of your monthly payment. It's always always lower than a car loan payment for the same vehicle. In addition, at the end of your lease, you can just drop your leased vehicle off with us, sign up for a new lease and drive home to Baldwinsville or Oswego, NY in a brand new car. There's no worry about selling your old leased vehicle: We'll take care of all that for you.

Consider all the pluses and minuses of both a loan and a lease

While a lease is less money per month, you're not building any cash equity in your car: It's like renting a car instead of buying one. While it's fun to lease a new car every few years, there's benefit in making loan payments that create a cash position you can use to pay for your next car. Talk to us about the pros and cons of both and we'll help you decide on the best choice for you at Par-K Enterprises in Fulton, NY.


Par-K Enterprises Inc

825 S 1st St
Directions Fulton, NY 13069-4900

  • Sales: (315) 751-6521
  • Service: (315)598-8118
  • Parts: (315)598-8118


  • Monday 09:00AM - 07:00PM
  • Tuesday 09:00AM - 07:00PM
  • Wednesday 09:00AM - 07:00PM
  • Thursday 09:00AM - 07:00PM
  • Friday 09:00AM - 05:00PM
  • Saturday 09:00AM - 03:00PM
  • Sunday Closed