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Owning a Cadillac is about more than just getting from point A to point B; it is about rewarding yourself with world-class engineering and iconic American luxury. At Seaside Cadillac, we believe the financing process should be as smooth as the ride in a new Escalade or CT5. If you have been hesitant to pull the trigger because of interest rates or complex paperwork, this guide is for you. Here is how you can navigate the financing world and drive home with a deal that fits your lifestyle. 1. Polish Your Credit Profile Your credit score is the primary lever in determining your interest rate. Before visiting our showroom in Seaside, take a few simple steps to ensure your profile is in peak condition: Check for Errors: Small mistakes on a credit report can lead to higher rates. Ensure everything is accurate. Lower Your Utilization: If possible, pay down revolving credit card balances to below 30% of your limit. Avoid New Inquiries: Try not to open new lines of credit in the three months leading up to your vehicle purchase. Even if your credit isn't "perfect," our team at Seaside Cadillac has specialized relationships with both local California banks and national lenders. We take pride in custom-designing packages for various credit tiers, ensuring that luxury remains accessible. 2. Leverage Your Current Vehicle One of the smartest ways to lower your monthly payment is to maximize your trade-in value. A trade-in acts as a ready-made down payment, reducing the total amount you need to finance. Pro Tip: Beyond the monetary value, trading in your vehicle at the dealership often provides a tax benefit. In many cases, you only pay sales tax on the difference between your trade-in value and the price of your new Cadillac, potentially saving you thousands. 3. Choose the Right Loan Term While it is tempting to stretch a loan over 72 or 84 months to get the lowest possible monthly payment, shorter terms (such as 48 or 60 months) typically come with lower interest rates. By paying a bit more each month, you can significantly reduce the total interest paid over the life of the loan. Our online payment calculator is a great tool to help you find that "sweet spot" between a comfortable monthly budget and a smart long-term investment. 4. The Advantage of Dealer Financing Many buyers wonder if they should go to their personal bank or finance through the dealership. At Seaside Cadillac, we offer several unique advantages: Manufacturer Incentives: We have access to exclusive Cadillac Financial Services rates, including promotional 0% or low-APR offers that traditional banks simply cannot match. One-Stop Convenience: Instead of waiting days for a bank approval, our finance team can often secure a competitive rate and finalize your paperwork in a single afternoon. Flexible Programs: From leasing the latest Lyriq to financing a Certified Pre-Owned XT4, we offer specialized programs tailored to the Cadillac lineup. Get Pre-Approved in Minutes The best way to take the stress out of car shopping is to walk onto the lot with your "wallet" already open. By using our Quick Pre-Approval Form, you can see what you qualify for before you even set foot in the dealership. It’s fast, secure, and gives you the confidence to focus on what really matters: choosing the color and trim of your dream Cadillac. Ready to start? Visit the Seaside Cadillac Finance Center today. Our team is standing by to help you secure a rate that is as impressive as the car you’ll be driving. Image Source: PHOTOBUAY / Shutterstock

The automotive landscape is undergoing a profound transformation, and Cadillac is at the forefront of this evolution. As we move toward an all-electric future, Seaside Cadillac is proud to guide our clients through a new era of luxury, one defined by zero emissions, instantaneous torque, and the sophisticated craftsmanship that has been the hallmark of the Cadillac brand for over a century. As part of the Groppetti Auto Family, which has served our community since 1994, Seaside Cadillac operates under the core values of discipline, courage, passion, and confidence. We are here to ensure that your transition to an electric vehicle (EV) is as seamless as it is exhilarating. The Cadillac LYRIQ: The New Standard of Luxury The Cadillac LYRIQ represents the first chapter in our electric story. This mid-size SUV is built upon the revolutionary Ultium Platform, which allows for a near 50/50 weight distribution and a lower center of gravity. The result is a drive that is quiet, responsive, and remarkably poised. With an EPA-estimated range of over 300 miles on a full charge, the LYRIQ dispels any concerns regarding long-distance travel, offering a sanctuary of technology featuring a 33-inch diagonal advanced LED display. The Cadillac OPTIQ: Spirited and Sophisticated For those seeking a more agile entry into the luxury EV market, the Cadillac OPTIQ is designed to inspire. As the newest member of the lineup, the OPTIQ offers a spirited driving experience without sacrificing the premium appointments you expect from Cadillac. It is the ideal choice for local drivers who want a vehicle that excels in urban environments while maintaining the versatility for weekend getaways. Expanding Horizons: ESCALADE IQ and CELESTIQ The electrification of our icon has arrived with the ESCALADE IQ. This vehicle reimagines the full-size luxury SUV, offering an estimated 450 miles of range and a pillar-to-pillar 55-inch total diagonal display. For the ultimate expression of bespoke luxury, the CELESTIQ stands as a hand-crafted masterpiece, pushing the boundaries of what a flagship sedan can be. Charging Solutions and the EV Lifestyle One of the most common questions our experts receive is regarding charging. Transitioning to electric means trading the gas station for the convenience of home charging. Most Cadillac owners find that charging overnight using a Level 2 home unit provides more than enough range for daily commutes. When on the road, the Cadillac mobile app helps you locate over 174,000 public charging points. Furthermore, Cadillac’s integration with the North American Charging Standard (NACS) ensures that our drivers have access to an ever-expanding network of DC Fast Chargers, capable of adding significant range in just minutes. Why Choose Seaside Cadillac? At Seaside Cadillac, we are more than just a dealership; we are a part of the community. Since Don and Shelly Groppetti established our roots in the region, the Groppetti Auto Family has prioritized giving back through initiatives like the G for Kids Foundation. We bring that same level of dedication to our customers. Our team is specially trained in EV technology. We are here to educate you on federal tax credits, local incentives, and the long-term maintenance benefits of owning an electric vehicle, which often requires less servicing than traditional internal combustion engines.We invite you to experience the future of the American luxury automobile. Visit us to explore our current inventory and learn how you can lead the way into the electric era.

For decades, the Cadillac nameplate has served as the gold standard for American luxury, blending sophisticated engineering with an unmistakable aesthetic. At Seaside Cadillac, a proud member of the Groppetti Auto Family, we have watched the evolution of the luxury crossover closely. However, the arrival of the 2026 Cadillac XT5 marks a significant milestone in this journey. If you are currently driving an older SUV or a previous-generation XT5, you may be wondering if now is the time to trade up. For drivers navigating the scenic coastal roads of Monterey or commuting through the Salinas Valley, the 2026 XT5 offers a compelling argument for an upgrade. Refined Performance and Handling The 2026 Cadillac XT5 continues to offer the balanced performance that Monterey drivers demand. Whether you choose the efficient turbocharged four-cylinder or the robust V6 engine option, the power delivery remains silky smooth. What sets the 2026 model apart is the refinement of its chassis and the available Electronic Precision Shift. For those who frequently travel the winding paths of Highway 1, the available All-Wheel Drive system with twin-clutch technology provides enhanced traction and cornering stability. It is a vehicle designed not just to transport you, but to provide a sense of confidence and "discipline," one of the core values we hold dear at Seaside Cadillac. A Sanctuary of Interior Craftsmanship Inside the cabin, the 2026 XT5 transcends the typical SUV experience. Cadillac designers have utilized premium, authentic materials, including cut-and-sewn leather, natural wood essences, and carbon fiber accents. The ergonomics have been updated to ensure that both the driver and passengers enjoy maximum comfort during long excursions. With class-leading acoustic insulation, the XT5 serves as a quiet sanctuary from the outside world. For families in the Monterey area, the versatile cargo space and the 60/40 split-folding rear seats ensure that whether you are heading to a weekend soccer tournament or a trip to the coast, space is never an issue. Cutting-Edge Safety and Technology At Seaside Cadillac, we prioritize the safety of our community. The 2026 XT5 comes equipped with the Cadillac Smart System, a suite of standard safety and driver-assistance features. This includes: Forward Collision Alert and Automatic Emergency Braking Front Pedestrian Braking Rear Park Assist Safety Alert Seat Furthermore, the integration of the latest Cadillac User Experience (CUE) infotainment system ensures you stay connected effortlessly. With wireless Apple CarPlay® and Android Auto™ compatibility, your navigation and media are always at your fingertips, presented on a high-definition interface that is both intuitive and professional. Why Choose Seaside Cadillac? Upgrading your vehicle is a significant decision. When you choose Seaside Cadillac, you are choosing a dealership backed by the nearly 30-year legacy of the Groppetti Auto Family. Since 1994, our family has operated with passion and courage, growing from a single location to a premier automotive group dedicated to the Central Coast and Tulare County communities. Our commitment extends beyond the showroom floor. Just as we support organizations like the Boys & Girls Clubs and CASA, we support our customers through every mile of their ownership journey. We invite you to experience the 2026 Cadillac XT5 firsthand and see why it is the premier choice for the modern Monterey family. Experience the Standard of Luxury Today Visit us at Seaside Cadillac to browse our New XT5 Inventory or schedule a professional consultation with our expert team. Frequently Asked Questions What engine options are available on the 2026 Cadillac XT5? The 2026 Cadillac XT5 offers a choice between an efficient turbocharged four-cylinder engine and a robust V6 engine option, with silky smooth power delivery across both. Does the 2026 XT5 offer all-wheel drive? Yes. The 2026 XT5 offers an available All-Wheel Drive system with twin-clutch technology, providing enhanced traction and cornering stability, ideal for winding roads like Highway 1. What materials are used in the XT5's interior? The 2026 XT5's cabin features premium, authentic materials, including cut-and-sewn leather, natural wood essences, and carbon fiber accents, along with class-leading acoustic insulation for a quiet ride. What safety features come standard on the 2026 XT5? The 2026 XT5 comes equipped with the Cadillac Smart System, which includes Forward Collision Alert and Automatic Emergency Braking, Front Pedestrian Braking, Rear Park Assist, and Safety Alert Seat. Does the 2026 XT5 support Apple CarPlay and Android Auto? Yes. The XT5 features the latest Cadillac User Experience (CUE) infotainment system with wireless Apple CarPlay® and Android Auto™ compatibility. Is the 2026 XT5 family-friendly? Yes. The XT5 offers versatile cargo space and 60/40 split-folding rear seats, making it a practical choice for families managing everything from weekend soccer tournaments to trips to the coast. Why should I buy my Cadillac XT5 from Seaside Cadillac? Seaside Cadillac is backed by the nearly 30-year legacy of the Groppetti Auto Family, which has operated since 1994 and is dedicated to supporting the Central Coast and Tulare County communities, including organizations like the Boys & Girls Clubs and CASA.

Getting a great luxury vehicle doesn't mean you have to buy a new one. With a certified pre-owned Cadillac, you get the craftsmanship, performance, and prestige of a Cadillac. Better still, your certified pre-owned Cadillac is backed by protections you won't find on a standard used car lot. If you're looking for luxury cars near Monterey, here's why the CPO program at Seaside Cadillac deserves your attention. Certified Pre-Owned Program Warranty Coverage The warranty structure that comes with a CPO Cadillac is one of the biggest advantages over a regular used vehicle. With the purchase of a certified pre-owned vehicle, the original 4-year/50,000-mile bumper-to-bumper limited warranty transfers to you until it expires. On top of that, you get a CPO limited warranty that kicks in once the original warranty expires, adding another full year of protection without a mileage cap. This means up to five years of total warranty coverage on a pre-owned vehicle. While your powertrain and CPO warranties are active, you also get 24-hour roadside assistance. If your Cadillac ever needs repairs covered by warranty, the program includes courtesy transportation so you're not left stranded. Our 172-Point Inspection To ensure you get a vehicle that still represents Cadillac quality, not every used Cadillac qualifies for CPO status. Each car goes through a comprehensive 172-point inspection to verify the vehicle meets strict benchmarks for both quality and cosmetics. Trained technicians go over all mechanical components of the vehicle, put it through a thorough road test, and evaluate the condition of both the interior and the exterior. In addition, any scheduled maintenance is performed before the vehicle reaches the showroom floor. Along with the 172-point inspection, you'll also receive a full vehicle history report so you know what you're getting. Cadillac requires dealers to complete all recall repairs before a vehicle can carry the CPO designation. This provides a level of scrutiny to the vehicles that will give you confidence in the quality of your vehicle, far beyond the gamble of conventional used cars. Financing Benefits That Make CPO Models a Smart Investment The mechanical peace of mind provided by the CPO program is augmented by tangible financial benefits. Certified pre-owned Cadillacs often qualify for competitive financing rates through GM Financial. These rates can rival or beat what you'd get from some new vehicle offers. Lower interest rates mean lower monthly payments and a lower total cost of the vehicle, making the luxury of a Cadillac more accessible than many buyers expect. There are more savings as well. Eligible CPO purchases include a three-month SiriusXM trial subscription and enrollment in My Cadillac Rewards, giving you the opportunity to earn points toward future service and purchases. Between the warranty savings, the favorable loan terms, and the included extras, a CPO Cadillac is a better value than a comparable used luxury vehicle without certification. Come Visit Us at Seaside Cadillac Today The refined ride of an XT5, the exciting performance of a LYRIQ, and the commanding presence of an Escalade are all reasons people are drawn to Cadillac. Whichever applies to you, Seaside Cadillac's CPO inventory gives you access to the Cadillac of your dreams and an approachable price point. Our team at 1725 Auto Center Parkway in Seaside is ready to walk you through the inspection reports, answer any questions you have about the warranty, and get you behind the wheel for a test drive. Give us a call at 831-230-0176 or stop by to browse our current certified pre-owned selection. Image Source: gothiclolita /Shutterstock

If you've been thinking about buying or leasing a Cadillac in the Monterey area, it's time to get off the fence and move forward with your decision. Whether you're interested in great deals on leases or you're looking for savings on your purchase, Seaside Cadillac is offering deals that can get you out the door in the vehicle you've been dreaming of. Don't miss out on your opportunity to take advantage of those luxuries and drive away in a Cadillac today. Current Cadillac Offers Right now, we can help you save up to $10,000 on taxes when you drive off the lot in a new Cadillac. Qualified buyers can experience the extreme benefits of those savings, allowing you to increase those benefits over the life of the loan. Is leasing more your style? Right now, you can get a $1,799 a month lease for qualified buyers on a 2025 Cadillac Escalade IQ Luxury 1 or a $379 per month lease on a 2025 Cadillac Optiq Luxury 1. If you're looking for the ultimate in luxury and convenience, including that fantastic new-car feel, now is the perfect time to move on those deals. Why Monterey Drivers Should Act Now Don't put off taking the steps that will get you in your new Cadillac. Not only can you experience the benefits of these high-end luxury vehicles, you can enjoy the latest design elements and appreciate the realization of your dreams. Why now? There are several factors that may make it worth your while. Plenty of inventory in stock: We have a number of options in stock right now, which means no waiting for the car you've been dreaming of and no compromising on your top choices. You can drive off the lot with your car already in hand. Enhanced luxury and safety: The latest Cadillac models not only come equipped with all the latest safety features, but they also have everything you need to drive in the height of luxury. If you're still driving an older-model vehicle, you're missing out on those advantages. Good financing options: As the luxury vehicle market shifts, you have a variety of strong financing options available, making it easy for you to get into the vehicle you've been waiting for. Whether you're planning to lock in today's prices by buying now or you want a lease that will afford you more long-term freedom and the ability to transition to a new vehicle when new options are on the market, now is the time to act. Unmatched Service from Seaside Cadillac At Seaside Cadillac, we're focused on providing you with the high level of luxury service you expect from your Cadillac dealer. We take care of everything you need in one convenient location, from helping you secure financing or manage a trade-in to ensuring that you have access to the service you need to keep your Cadillac running smoothly, whether it's yours to keep or yours on lease. Not only can you trust us with your purchase, but you can also bring your Cadillac back to us for all your service needs. Shop Our Selection of Cadillacs Today When you get behind the wheel of your Cadillac, you get to experience the utmost luxury, convenience, and comfort. At Seaside Cadillac, we offer a variety of vehicle options, from the latest models to pre-owned selections. Browse our available pre-owned vehicles or check out our selection of new models. Stop into the dealership to discuss lease options or explore the many vehicles on the lot today. Image Source: Kwangmoozaa /Shutterstock