Financing & Leasing
Lakeland Ford makes it easy to secure affordable financing or lease terms when you purchase a new or used vehicle. Our finance experts are committed to finding you the best deal, no matter your credit situation. We work closely with trusted financing sources and can help find you a loan with a low rate and flexible terms.
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Use our free online appraisal tool to estimate the value of your trade-in, and our online payment calculator can help you find out what you can afford. When you are ready to buy or lease, you can fill out our quick online financing application, and our finance experts at Lakeland Ford will help guide you through the rest of the process.
Buying vs. Leasing
Deciding whether to buy or lease a new Ford can be a difficult choice. It is important to know the differences between the two options so you can figure out which is best for you.
When you buy a vehicle, you are paying for the entire vehicle. Typically buyers make a down payment, either pay the sales tax in cash or roll the amount into the loan, and then make monthly payments with a set interest rate. This option is great for those who drive many miles, or plan on keeping their car for a long period of time.
When you lease a vehicle, you are only paying for the amount of the vehicle you use. The sales tax is included in the monthly lease payment, which is determined in part by a money factor that is much like an interest rate on a new car loan. Typically the first monthly payment is made when you sign the contract. Leasing is a great option for those who want lower monthly payments and a new vehicle every few years.
What Can I Afford?
Member of the Association of Finance & Insurance Professionals
The Association of Finance & Insurance Professionals (AFIP) is a 501(c)(3) nonprofit association offering the AFIP Certified F&I Professional Program for individuals who arrange in-store funding and offer owner protection products for vehicle and motorized conveyances. Our certification program institutes a recognized level of competency with the state and federal regulations and enforces our established Code of Ethics.
The services AFIP provides its constituents assist and protect dealership customers. The AFIP Certified F&I Professional logo is the mark of an individual who has given time and energy to understand the laws regarding the sale and finance of vehicles. Certified professionals make a pledge to abide ethically in all dealings with all customers. Customers can also contact AFIP for help understanding vehicle purchase-related documents and to help resolve contract errors or disputes without legal hassles.
The AFIP Certified professional’s knowledge and ethical training enhances the customer experience in several ways:
- Customers receive clear, honest explanations from professionals who know what they’re talking about.
- AFIP Certified professionals work to meet the customer’s genuine needs in selecting products.
- AFIP Certified professionals provide full disclosures and makes every effort to verify that the customer understands what he or she is signing.
- Customers can feel confident that every aspect of the transaction has been completed in accordance with state and federal regulations.