Finance Your Vehicle at Kalispell Ford

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Call us at: 406-609-0840

Kalispell Ford Offers Uncomplicated and Easy to Understand Auto Financing Solutions

We've always taken great pride in going the extra mile for our customers throughout Kalispell and the entire Flathead Valley. That means we'll assist you in picking a new Ford model or used car while making sure that your financial needs are met!

When trying to get approved auto financing at a dealership not everyone is transparent. At Kalispell Ford we are transparent in everything we do from price, payment, and approved APR. That's because we offer the knowledgeable help of our auto finance team to lead you throughout the financing process from beginning to end. Our Finance Managers always make it simple for you to choose a lease or loan solution that is best tailored to your needs and budget. And we have a great relationship with all the financial institutions we work with. This ensures that you enjoy the lowest APR or a competitive lease rate on the car of your dreams!

Better yet, you have the opportunity to begin the financing process from the comforts of home. We encourage you to submit an online finance application to receive a credit pre-approval in just moments. Then, all you have to do is stop by Kalispell Ford located on the North end of Kalispell.

Understanding Your Financing Options: From Standard Loans to Ford Flex Buy

At Kalispell Ford, we provide a range of financing options to help you get behind the wheel of your new or preowned vehicle:

Standard loans: This is an ideal option if you want straightforward financing with predictable monthly payments.
Leasing: Leasing is a cost-effective option if you prefer lower monthly payments and the flexibility to upgrade every few years.
Ford Flex Buy: This unique program offers reduced payments for the first three years, providing more financial freedom upfront. 

Choosing the right financing option is crucial. Here are the key choices to help you decide what works best for you.

Standard loans

Standard loans provide stability with consistent monthly payments, ultimately leading to ownership of the vehicle. These loans typically last from 36 to 72 months. At the end of the loan term, the car is yours, giving you the freedom to keep it for as long as you wish. The interest rates may vary based on your credit score, but the payments are usually fixed, providing predictability in your budget.

Leasing

Leasing is an option if you enjoy driving newer cars every few years. With leasing, you essentially rent the vehicle for a fixed period, often 24 to 36 months, with lower monthly payments than a loan. At the end of the lease term, you won't own the vehicle — you'll need to either return it or buy it at its residual value. Leasing also comes with mileage limits, and you may be charged for excessive wear and tear.

Ford Flex Buy

Ford Flex Buy is an innovative financing option that blends aspects of a loan and a lease. It offers a full-term structure of either 66 or 75 months, allowing for a reduction in payments during the first 36 months, typically by 15% to 18%. After this period, the payments increase, but you'll still work toward ownership of the car. This option is ideal if you want the flexibility of lower payments upfront and prefer eventual ownership. Ford Flex Buy provides a unique way to manage your budget while committing to a long-term investment.

Whether you're drawn to the consistency of a loan, the adaptability of leasing, or the flexible structure of Ford Flex Buy, it's important to consider your long-term goals, financial situation, and lifestyle. Kalispell Ford's finance experts are here to guide you through all these options to find the best fit for your needs.