Now that you've found the perfect new Ford model for your needs, you'll want to secure a great financing deal to ensure you get the most value out of your purchase. This is so much easier when you have an expert financial team working their hardest for you, such as the team at Ray Price Stroud Ford's finance center!

Whether you want to learn more about the benefits of leasing or financing your Ford, need help securing a favorable loan, or require assistance with refinancing your Ford, the experts at our Ford finance center can help. We'll be with you through every step of the process, which includes helpful advice and guidance for your Ford financing around Stroudsburg, East Stroudsburg, Easton, Nazareth, and Lehigh Valley, PA.

Buy or Lease?

It's a question we all have to ask ourselves at some point in the car-buying process: buy vs. lease? If you've never leased a car before, it can be one that's difficult to answer. There's a lot to consider when you're looking for your new Ford.

If you buy, you have an ownership investment, a future sale or trade-in, and total control over your vehicle. Let's see why these are good ideas to buy:

  • Ownership Investment: When you're working to pay off your car loan, you are working towards full ownership. By the end of your plan, you'll have full ownership of your car without any more monthly car payments.
  • A Future Sale or Trade-in: Now that you own the vehicle, you are in full control of it and how you'd like to resell it. You can hold onto your model as long as you'd like, whether that's two, four, or 10 years. Eventually, if you do decide to move onto your next vehicle, you can sell your car back to the dealership you bought it from, another dealership, or privately. You can also keep it in the family for your kids to drive someday.
  • Total Control: Owning your own vehicle means having a certain amount of freedom. Install that upgraded audio system, add on that roof railing, or grab some interior accessories. You won't have to wonder how these customizations will affect your lease agreement.

However, if you lease, you have a short-term commitment, typically lower payments, and an easy return when the term is up. Allow us to explain:

  • Short-Term Commitment: With leasing, you're paying for its usage instead of paying for the car's value. Think of leasing as similar to renting, once your term is up-most lease agreements last around three years-you'll return the vehicle and move on to your next selection.
  • Lower Payments: Typically, leasing allows for lower monthly payments. If you've always wanted to drive around in your favorite luxury vehicle, leasing means less money up front, so you can ride around in the latest and greatest model for less.  
  • Easy Return: Before starting your lease, you'll sign an agreement between you and your dealership. In this agreement, you'll find the terms and conditions of your lease, which range from your expected mileage limit to the car's condition upon its return. When returning, we'll do a quick inspection, and then you're free to move on to your next vehicle.

There are a number of different options you can choose when you've completed your lease agreement:

  • Trade in the car for a newer model: If you have your eyes on the newest version of your leased vehicle, it's possible to upgrade to the model with the latest features and amenities.
  • Return the car: If you don't want to start a new lease deal right away, simply return the vehicle and walk away.
  • Buy the car: Even after you've completed a lease deal, buying is still an option for your model. The car's purchase price should already be in your lease agreement as well as the details of how to go about fully purchasing the vehicle. Some banks offer specialized auto loans specifically for lease buyouts.

Both buying and leasing have their benefits, but the only thing that matters is what's right for you. If you're unsure of which option works best for your current budget, circumstances, and needs, the finance team at our Ford finance center can help you! We'll get a little background information, go over your available options, and recommend the deal that works best for your individual situation.

What Is in a Lease Agreement?

If your curious of what goes into a lease agreement, first you'll find your monthly payment, which is predetermined based on the vehicle's value and your expected mileage. This is also calculated with any interest rates or applicable fees you may come across during your leasing period. 

In your agreement, you'll also find:

  • The length of the leasing term, which depending on the dealership can range from 12 to 40 months.
  • How many miles you're able to drive per year-usually 10,000 miles to 15,000 miles.
  • What the expected condition of the vehicle should be while returning the vehicle.
  • Defined terms of normal versus excessive wear-and-tear car conditions.
  • What happens when you're late on a lease payment.

Our financial team is dedicated to personalizing the right agreement for each of our drivers. That means we consider your driving habits and lifestyle when creating the agreement's details. 

No Credit, Bad Credit, Less-Than-Perfect Credit

If you have a less-than-ideal credit score, you may think it's impossible to get a great rate on a new or a used Ford, but that's not always the case. Our Ford finance team has experience serving customers with many different credit situations, so we're sure we can find you the best deal for your needs and budget.

While visiting our finance center, the process will be something like this:

  • Submit a finance application online or at the store.  
  • Consult with our team about the benefits of either leasing or buying.
  • We'll review and customize your options for payment.

We'll customize your payment plan to satisfy your budget and lifestyle. Ultimately, you have the final say whether you are buying or leasing your next vehicle. If you're buying, we'll work hard to get you the lowest interest rates possible for your car loan. If you're leasing, we'll thoroughly go through your lease agreement, so you know exactly what to expect.

Don't let your less-than-perfect credit hold you back! Visit our finance center to explore your options and get behind the wheel of your favorite Ford model.

Ford Vehicle Specials

In addition to our excellent inventory of new and used Ford models, we also offer several Ford model specials, manufacturer offers, regional incentives, used car specials, and many other great deals to help you get the best deal on your Ford purchase.

To honor those who served, Ford makes it their mission to work with organizations that help empower, support, and promote American veterans. We're proudly associated with organizations like Oscar Mike and Workshops for Warriors that encourage disabled veterans. If you're a first responder, you may also qualify for certain specials as a 'thank you' for your service.

Ford also offers a College Student Purchase Program. If you're a full-time or even part-time student at an accredited school, you can receive Bonus Cash on a purchase or $500 Bonus Cash on a lease of an eligible new model year Ford Escape, Edge, Mustang, Ranger, or F-150 vehicle.

These specials, incentives, and offers change often, so if you don't find a deal that works for you now, check back later for our current specials.

Ford Research

Before you go shopping for your new or used Ford, it's best to do some research and understand your options. The Ford finance center at Ray Price Stroud Ford has many resources available online, such as our credit estimator, which is a safe, secure, and free way to see your credit score. We also have a simple and secure Ford finance credit application as well as many informational articles about automotive financing.

When filling out our finance application, you'll input information, like:

  • Your first/last name
  • SSN
  • Contact information
  • Your current vehicle information

Once you submit this info, you'll receive your prequalified status. Stay a step ahead of the game with our online resource, even before stepping foot into our lot. 

Visit Ray Price Stroud Ford

At Ray Price Stroud Ford, we do everything we can for our local customers in Stroudsburg, East Stroudsburg, Easton, Nazareth, and Lehigh Valley, Pennsylvania, which includes offering the best financial advice, resources, and options from our finance team. Call or visit our finance center today to find out more about financing your Ford!

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Ray Price Stroud Ford Lincoln

6320 Route 209
Directions Suite B
Stroudsburg, PA 18360

  • Sales: (570) 402-2222
  • Service: (570) 402-2491
  • Parts: (570) 402-2492

Showroom Hours

  • Monday 9am-8pm
  • Tuesday 9am-8pm
  • Wednesday 9am-8pm
  • Thursday 9am-8pm
  • Friday 9am-8pm
  • Saturday 9am-4pm
  • Sunday Closed