Finance
Auto Loans
The Cogswell Mazda finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Russellville, Morrilton, and Clarksville to ensure our customers get the right finance program at the most competitive rates.
We strive to work with each customer to ensure their satisfaction. We have financed customers from Conway to Fort Smith. Whether you are right down the road or an hour away from Russellville you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.
How is your credit?
Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.
The Cogswell Mazda loan process can help you find the best interest rate for your next vehicle purchase.
Try our FREE credit application today!
Great New Vehicle APR!*
Competitive Used Vehicle Rates*
We have hundreds of new and used Mazda vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.
Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!
Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Mazda vehicles currently available for immediate delivery.
Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.
To get started, fill out our FREE credit application online.
Once the application is completed, the Cogswell Mazda finance team will put together a loan package that is tailored specifically for you.
Our Financial Services Include:
- Competitive rates direct from the manufacturer and local Arkansas banks
- Quick approvals
- Value-added services to protect your vehicle investment
- Extended warranty programs
- And many more finance programs to fit your needs
We are always happy to answer your questions so please don't hesitate to contact us today!
Finance Center
The Cogswell Mazda finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over, including Russellville, Clarksville, and Conway, AR, to ensure you get the right finance program at the most competitive rates.
Contact us today to start your lease or finance journey.
Our Finance Center & Team of Experts
Since 1949, Cogswell Mazda has served our local communities as part of Cogswell Motors’ multi-brand legacy, building trust through honesty, longevity, and family-style service. Our managers bring decades of automotive finance experience within our finance center, offering clear guidance on credit approval, manufacturer incentives, and customized loan or lease structures.
Our team understands that no two customers are alike. We’ve helped drivers from Fort Smith to Morrilton and everywhere in between, ensuring that each guest receives one-on-one attention and a finance plan tailored to their budget, lifestyle, and credit profile.
How Our Lease & Finance Process Works
When you start your journey with us, the first step is our quick pre-approval form—available online or in person—which instantly estimates your qualification based on the credit information you provide. Once pre-approved, you’ll meet with a finance manager to review available options.
For a finance contract, you’ll select your loan term (typically 36–72 months), down payment, and monthly payment goal, then complete paperwork to secure ownership at term’s end. If leasing, we’ll help you choose the lease length (24–60 months) and mileage allowance (standard 15,000 miles/year or low-mileage 12,000 miles/year) and explain any security deposit options that can lower your monthly payment even further.
Leasing vs. Financing: Which Is Right for You?
Deciding between leasing and buying depends heavily on your driving habits and long-term goals. Leasing generally offers lower monthly payments—since you’re paying only for the vehicle’s depreciation over the lease term—making it ideal if you prefer a new Mazda every few years and don’t exceed mileage limits.
Conversely, financing builds equity with every payment, and once your loan is paid off, the vehicle is yours to keep or sell. This option is better suited to drivers who rack up miles, love customizing their rides, or simply want the freedom of outright ownership without end-of-term fees.
Online Finance Tools
Our website features a “Get Pre-approved” form that securely and efficiently walks you through the credit application steps. We also host an interactive Payment Calculator where you input the vehicle price, down payment, term length, and interest rate. This instantly produces estimated monthly payments and helps you refine your budget.
New & Pre-Owned Vehicle Specials
Every month, we curate new vehicle specials designed to get you behind the wheel of your favorite Mazda quicker. Meanwhile, our pre-owned specials page features Mazda Certified Pre-Owned deals and other used vehicles, all subjected to a 160-point inspection for reliability and backed by factory-trained service.
When you combine these specials with tailored finance or lease terms from our experts, you can drive home in a Mazda that fits your lifestyle and financial goals.
I’m Interested in Financing a Vehicle at Cogswell Mazda
Contact the Cogswell Mazda finance center today to get started on your personalized lease or finance plan and discover why drivers across Russellville, Clarksville, and Conway, AR, trust us for transparent, expert support every step of the way.