Mark Porter Ford Finance Center

Mark Porter Ford Finance Department

With Our Finance Team You Can Save on Your Next Ford in Athens

Here at Mark Porter Ford, we make financing a vehicle simple. Perhaps you've found a great deal in our featured cars listings, or you've discovered the new truck of your dreams in our new Ford Truck, SUV and Car Inventory. Or maybe you've found the used car that fits with your lifestyle and budget.

Whatever you choose, you want to find a payment plan that works for you, and our team is here to facilitate it. From leases to car loans and any other questions you might have, we're here to answer them and give drivers in areas like Chillicothe and Portsmouth lots of choice as to how they'd like to finance their car.

How Financing Works at Mark Porter Ford

Our process is clear and straightforward. Once you've decided on a new Ford or used car from our showroom that you'd like to purchase or lease, we'll agree on the price of purchase or the lease payment and finalize the plan. If you have a down payment or there is money due at signing for a lease, we'll factor that in, plus we also factor in trade-in value too. From there, our finance team works with many local banks and credit unions, plus national lenders for those seeking a car loan. We'll present you with options, as we try and find you the best terms possible with interest rates and other factors. Our team also works with your preferred financing institution and if you've been pre-approved for financing through your bank, we can facilitate the rest of the transaction for you. Once we have the rates and monthly payment options for you, you can choose which one is right for you, and we'll finalize the sale of the vehicle.

You can even get a head start on the process as you can use a secure online financing application and get pre-approval beforehand, which gives us time to find options for you, and saves you time at the dealership.

Buying vs. Leasing

A common question we're asked about new Ford vehicles is whether someone from Lucasville or the surrounding area should buy or lease their vehicle. It could be the F-150, Ford Super Duty, the Escape, Ranger or any one of our Ford trucks or SUVs, all our new options give you the power of choice between leasing and buying.

If you're leasing, you're making a small down payment and then making monthly payments over a set period of time, generally three to four years. Once those lease terms are up, you have options. You can choose to purchase your leased Ford at its remaining resale value, or you can enter a new lease of a brand-new Ford. You can also decide to go in a different direction if you wish. When you lease, you have to adhere to wear and use guidelines and mileage restrictions, but for people with normal driving habits who take good care of their cars, it's usually not a problem. Plus, you have the benefit of a new vehicle warranty and coverage throughout nearly the entire duration of your lease, so you can visit our service center and be covered.

When you buy a vehicle, you can make a down payment of any amount, and then get a car loan to finance the rest. You'll make payments on the loan until it's complete, and when it's done, you fully own your vehicle and won't have any more car payments. There's also no wear and use guidelines or mileage restrictions when you buy, meaning you can customize your vehicle, and spend a lot of time driving in it. We recommend buying for those who know they're going to be doing a lot of commuting, or if they know the vehicle is going to experience some wear.

When financing a used car, you get the benefit not only of getting a price lower than the cost of a new vehicle, but your payments are generally lower, and a nice down payment can contribute a lot more toward paying off the vehicle, meaning you can find a reasonable and affordable plan for you.

Contact us to Learn More About Financing at Mark Porter Ford

If you'd like to get started or have any questions on the financing process, contact us today. We'd be happy to provide you with all the details, answer any questions you might have and help you come up with a finance plan that works for you.