Here at Ruge's Ford, we do more than just sell cars; we are also here to help you navigate the financial aspect of getting the one you want. Whether you are shopping for a new or used vehicle, want to lease or finance, or need assistance in any other way, our team can assist. Even if you have less-than-perfect credit, we will work hard to get you the financing package you need and answer any questions you may have along the way. We even have great warranty options for those who want to opt in. All of your needs are sure to be met within our comprehensive finance center.
Some drivers are hesitant to finance a vehicle, but there are actually numerous benefits to working with our finance department. First and foremost, your options greatly expand when you decide to finance. Purchasing a vehicle outright in cash has the potential to dwindle your savings or limit your options, forcing you to buy a lemon. By financing, you can keep your savings account intact, and rest assured knowing that you can afford a safe and reliable vehicle.
Auto loans are also a convenient and useful way to wrap up all costs associated with the purchase, such as taxes and registration fees. Plus, making on-time payments on your loan will help to improve your credit score. If you are planning on having your vehicle for a long time, consider filling out our auto loan application; financing is very advantageous and useful in helping you pay across a period of time.
If you aren't planning on keeping your vehicle for a long time, leasing may be the better option. Leasing is like a long-term rental. You pay a set fee each month and get to drive the vehicle during the lease term, which is typically somewhere between 12 and 36 months. Of course, if you love the car, you can purchase it when the lease is up, but you don't have to. One of the most significant benefits to leasing is that you can get the latest new Ford vehicle every couple of years. Many lease options also come with a service plan, allowing you to save money on routine maintenance. So, if you plan on upgrading your vehicle every couple of years, a lease may be right for you.
When you are in the market for a new vehicle, having flexibility and options is key. That is our goal here at Ruge's Ford; we want you to have the best shopping experience possible. In fact, we want you to be comfortable and encourage you to check out our Shop from Home tool, which allows you to explore different vehicles and financing options right on our website. You can even use our vehicle trade-in tool to find your current car's value, if that is a part of your payment plan.
No matter what vehicle you are interested in purchasing, no matter what way you choose to pay for it, we are here to support you. So, contact us today or start shopping online. We can't wait to see you behind the wheel of your new used vehicle!
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.