Car-shopping can get overwhelming with all the decisions to be made. Do you want a crossover or a larger SUV? Do you need the power of a pickup truck? Plus, how will you pay for it? We are reviewing your Ford finance options at Don’s Ford to help you feel more confident about the financing process.

Should I Buy or Lease?

There are so many benefits to both buying and leasing. When you lease, you can get into a new vehicle much more affordably than by buying. It also is generally covered under warranty for your entire term.

If you are interested in building up equity in your vehicle, you’ll want to consider buying. Plus, there are no restrictions with buying. You don’t have a mileage cap and you can customize your vehicle however you’d like.

How Do I Get Approved?

When applying for financing at our dealership, we start by collecting your basic buying criteria. Then, we pass that information on to our trusted lenders to help secure you the best rates available.

  • Income and work history
  • Existing debt and debt-to-income ratio
  • Credit score and history

How Much Can I Afford?

Even if approved for your dream car, you still want to ensure it works for you and your budget. We recommend utilizing an auto payment calculator to get an estimate on your monthly auto payments. It factors in your total investment, your down payment (or trade-in value), taxes, and your interest rate. Don’t forget to think about additional expenses too, including auto maintenance and insurance costs.

Still have questions? We’re happy to help! Visit with the financial experts at our Ford dealership in Utica, NY to discuss your financing options. Or, we can go ahead and get you approved for your new Ford vehicle today!