Ford Finance Center In Athens, AL

McClary Ford takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Should You Lease Your New McClary Ford Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

McClary Ford can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

The Differences Between Leasing and Buying a Vehicle in Athens, AL

If you are looking to acquire a new Ford vehicle from McClary Ford, you will need to decide whether to lease it or buy it outright. Your decision will likely be based on how long you'll own the vehicle, your budget, and your driving habits. Let's take a closer look at each of these finance options and learn how to decide which one best meets your needs. 

What to Know About Leasing a New Ford Model

Leasing a vehicle means that you are paying for the right to drive it for a certain period of time. Whether you want to lease a new Bronco, F-150, or EcoSport, we have lease programs for you! A lease agreement will cap the number of miles that you can put on the vehicle in a given year, and you may be required to pay for any excess wear or damage incurred during the contract period. When the lease deal expires, you can choose to turn the car in or buy it for the stated residual value.

Drivers around Madison, AL, love leasing new Ford vehicles because their monthly payment is typically smaller than a car loan payment. Besides saving money each month, a lease gives drivers from Decatur, AL, the freedom to get behind the wheel of the newest Ford models every few years.

What to Know About Buying a Car

Buying a car near Huntsville, AL can be ideal for those who drive more than 10,000 miles a year or who drive in areas where minor accidents are more likely to occur. This is because there are no limits to how you can use a vehicle after taking ownership of it.

A lender will look at a variety of factors when deciding whether to approve your auto loan application. These factors may include your income, credit score, and employment status. It is generally in your best interest to make a down payment as it allows you to accrue equity in the car quickly.

Apply For Financing Today

Whether you buy or lease your next vehicle, you can't go wrong! You can apply for financing today and get a head start on the process. The options are all about your preferences, and our financial experts can help you determine which option is best suited for your lifestyle. We invite you to contact us today to learn more or get an estimated trade-in value on your existing vehicle.

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  1. McClary Ford

    1104 U.S. Highway 72 East
    Athens, AL 35611

    • Sales: 256-232-4242
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Get in Touch

  • Contact our Sales Department at: 256-232-4242
  • Monday8:30am-5pm
  • Tuesday8:30am-5pm
  • Wednesday8:30am-5pm
  • Thursday8:30am-5pm
  • Friday8:30am-5pm
  • Saturday8:30am-3pm
  • SundayClosed