Over the past 60 years, Howard Orloff Imports has created 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, but 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. Again, over those 60+ years in business, we have forged relationships and worked well with several financial institutions to get our customers the best financing available.

Your privacy is important to us.

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

Finance A Used Luxury Car - Chicago, Illinois Used Car Dealers

Need used car financing, Chicago? We can help

For more than 60 years, Howard Orloff Imports has been the Chicago, Illinois used car dealer that helps ordinary car buyers purchase extraordinary vehicles. You've always wanted a world-class luxury vehicle with advanced features and sophisticated accommodations, but careful budgeting has never allowed it. But at Howard Orloff Pre-Owned, you can finally get the luxury vehicle you've always wanted - and at a reasonable price you can afford.

Our finance team works diligently to make owning or leasing luxury vehicles a reality. And over the years, we've put thousands of car buyers in their dream vehicles. Now, we're ready to help you lease or finance a used luxury car. In Chicago (IL), you can settle for mediocrity, or you can enjoy the kind of memorable car buying experience that is only possible at a premier Chicago, Illinois used car dealer.

Find the luxury vehicle you've always wanted

At Howard Orloff Pre-Owned, you will access a wide selection of pre-owned luxury vehicles from the world's preeminent automakers, including Audi, BMW, Jaguar, Land Rover, Lexus, Mercedes-Benz, Toyota, Volkswagen and Volvo. Our knowledgeable sales professionals will work closely with you to find a luxury vehicle that meets your unique automotive needs and matches your respective budget. There is a perfect luxury car for every driver, and we'll help you find yours. Then, we'll help you lease or finance it.

To lease or to finance?

Wondering whether you should lease or finance a luxury car? In Chicagoland, you won't find more seasoned auto finance professionals than the ones on our staff, and they'll work closely with you to help determine what your best option is financially. You can take advantage of our connections in the finance community to secure the most favorable rates available, or you can sign up for a lease with flexible terms.

When it comes to used car financing, Chicago drivers come to Howard Orloff Pre-Owned to get exceptional rates. We invite you to visit our dealership, conveniently located just off the Kennedy Expressway at Armitage Avenue, or just give us a call toll-free at 877-371-5362 to learn more about our leasing and financing options. You want luxury at a practical price. Howard Orloff can help you find it.


Howard Orloff Imports

1924 North Paulina Street
Directions Chicago, IL 60622

  • Sales: 773-227-3200
Contact a Business Manager directly:

Colin Cibulka
773-938-8073 or ccibulka@orloff.com

Alicia Houston
773-938-8002 or ahouston@orloff.com

Mark Vignaroli
773-938-8013 or mvignaroli@orloff.com


  • 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