Ford Auto Loans in Houston, TX

Driving around the Houston area in your new Ford may be a top goal that you are actively trying to achieve. You can quickly check out our inventory online at Joe Myers Ford, and we also invite you to stop by the dealership in person to test drive a few vehicles that may be an excellent fit for your needs. During your visit to Joe Myers Ford, you can also sit down with our financing team to learn more about the payment options available. Some Houston area drivers opt to pay cash for the entire cost of a new Ford, but others prefer to use a car lease or loan to complete their purchase plans. The pros, cons, and requirements for these options deserve a closer look.

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Why Should I Be Excited About Financing?

At one time, financing a vehicle with a car loan was the only alternative to paying cash for the sales price. However, leases have become increasingly popular for today's auto shoppers, and some Houston drivers have even heard that they are a better idea than a car loan. For some drivers, it is true that a car lease makes better sense than a loan, but there are genuine benefits associated with a car loan as well. A closer look at both options will help you to determine which is a good financing solution for you to pursue.

Both car loans and leases require you to make regular monthly payments. Leases traditionally are associated with lower monthly payments. However, when you take out a car loan, you can choose a longer term, and this will result in lower loan payments. In fact, with a loan, you can adjust the time to make the payment reasonably affordable for your budget, and this flexibility is not present with a lease.

With an auto lease, you are usually required to pay an inception fee at the beginning of the contract, and there is also another fee expected at the end of the lease term in many cases, which is compared to an auto loan. Some lenders require you to make a down payment on an auto loan, but this is not always required. The down payment amount for a loan is also usually flexible, and there is no final fee due at the end of a loan. Keep in mind that you must surrender the vehicle at the end of a lease, and the car is yours free and clear at the end of a car loan.

One final factor that may impact your decision relates to mileage. Lease terms dictate the maximum mileage that you are permitted to put on the vehicle, and exceeding this limit usually results in a per-mile fee due at the end of the lease term. Mileage limits are not in place for a car loan.

Do I Need a Particular Credit Score In Order to Qualify?

A car loan is a smart financing solution for many Ford buyers in the Houston area, but one final concern about credit scores may linger for some people. At Joe Myers Ford, we regularly help buyers with lower and higher credit scores set up new car loans. You can always rely on our financing professionals to work hard locating loan terms that are well-suited for you.

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Joe Myers Ford

16634 Northwest Fwy
Directions Houston, TX 77040

  • Phone: 844-880-7342

Finance Hours

  • Monday 9:00am - 9:00pm
  • Tuesday 9:00am - 9:00pm
  • Wednesday 9:00am - 9:00pm
  • Thursday 9:00am - 9:00pm
  • Friday 9:00am - 9:00pm
  • Saturday 9:00am - 9:00pm
  • Sunday Close