So you’ve spotted a new Ford F-150 XLT truck or a used Ford Explorer SUV on our website or the dealership floor. Now it’s time to think about car financing so you can make it yours.

 

At our Ford financing service center in North Alabama, we make the process as seamless and stress-free as possible. From providing expert advice on auto loans and leases to tailoring financing packages and repayments to suit your budget, our dedicated team will guide you every step of the way.

 

Remember, at McClary Ford we’re open-minded in our approach to credit, and we help customers with all types of credit history find workable financing solutions. We have a proven track record of helping buyers in different credit score ranges drive away in their ideal Ford vehicles. That’s something we’re very proud of.

 

Read on to find out how we do it.

How Auto Financing Works at our Athens Ford Dealership

 

We’re all about giving you personalized assistance and expert guidance. Whether on a phone call or in a face-to-face discussion, we can help you make sense of all the relevant information so you can make a considered decision about your financing options.

 

Here’s a breakdown of what’s involved.

 

1.    We Craft a Tailored Financing Package

 

Your budget, lifestyle, and needs are unique, and your financing package should reflect that. Our team works closely with you to create a customized financing plan that ensures your monthly payments fit comfortably within your ability to pay. We believe in providing flexible payment arrangements and will explore different terms to find the best solution for you.

 

 

2.   Lease or Auto Loan? We Help You Decide

 

Car leases and auto loans are two different financing options for that new truck for sale or the pre-owned car you’ve had your eye on.

Choosing a Car Lease for Your New Ford

 

With a car lease, you basically rent the vehicle for a specific period of time, typically two to four years, and make monthly payments. This option suits customers who like to drive a brand-new vehicle while paying a more manageable monthly amount.

 

Leasing usually involves some restrictions on the mileage you’re allowed to drive each month and on your customization options. At the end of the lease term, you can trade in your Ford for a new one, buy it outright, or simply return the vehicle.

 

Choosing a Car Loan for Your New Ford

 

A car loan involves borrowing money to purchase the vehicle outright, then making monthly payments until the loan is fully paid off. With a car loan, you own the vehicle once the loan is repaid.

 

Leasing typically gives you lower monthly payments but doesn’t result in ownership, while a loan makes you the owner eventually but requires higher payments. You might be able to reduce the size of your monthly loan repayments by taking a longer lease term.

 

Our experienced finance specialists will go over the advantages and disadvantages of each option with you, helping you make an informed choice.

 

3.    We Find You the Best Available Rates

 

Our finance team knows which lending sources to explore and will work on your behalf to find competitive rates tailored to your specific situation. We want your financing terms to align with your budget, allowing you to comfortably enjoy your new Ford or pre-owned vehicle.

 

 

4.    We Make Credit Assistance Easier

 

If you have concerns about your credit history, we’re here to help. Even if yours isn’t perfect, we encourage you to reach out.

 

Remember, knowledge is power. Start by checking your credit score, then talk to our Ford finance team. They know which options to explore to find a solution that suits your unique circumstances.

 

5.    We Know What Goes into Truly Flexible Financing

 

Our loan terms typically range from 48 to 72 months, and in most cases, the longer the term, the lower your monthly payment.

 

Additionally, we’re usually able to offer the convenience of financing with no down payment to most of our customers.

 

Lastly, If rolling taxes, registration fees, and other associated costs into your financing deal works best for you, we’ll always do our best to accommodate.

Apply for Ford Financing

 

There are three different ways you can begin the application process.

 

1. Get a head start before visiting us by applying to our finance center online. Please note that our initial credit checks are soft and won’t negatively impact your credit score.

 

2. Call us or send a message via our website. Our car finance specialists will be happy to talk to you or, if you wish, give you an appointment at our Athens Ford dealership so we can sit down with you in person.

 

3. Or simply stop by to see us. You’ll find us on Highway 72 East in Athens, Alabama. From this convenient location, we’re able to serve North Alabama Ford drivers from Madison, Decatur, Harvest, and the surrounding area. (So if you’re local and you’ve ever wondered, is there Ford financing near me? The answer is yes.)

Ready to Begin Your Financing Application Today?

 

Then choose the online option and start your application right away on our website. Simply visit our finance center page and fill out the user-friendly form to provide us with some basic information. We’ll take it from there, connecting with you to discuss the next steps and gather any additional details we need.

Do You Have More Financing Questions?

 

If you need further assistance, our friendly team is always ready to help. Call us or visit the McClary Ford dealership to speak to someone in the finance center and explore our inventory of new and pre-owned SUVs and trucks for sale in Athens.