Finance


At Don Johnson Ford, we’re committed to supporting and providing assistance every step of the way during the car-buying or leasing journey. No matter what you need, Don Johnson Ford finance team is here to assist you!

Personalized Ford Financing

At our Cumberland finance center, we know every lifestyle comes with different needs and challenges. Therefore, we create your plan around your specific concerns to make sure you’re leaving our dealership feeling confident.

Sit down with a member of our expert finance team to learn more about the different options available to you, such as leasing and buying. We’ll take the time to secure you with a great rate and show you any specials currently available.

Dealership Info

Phone Numbers:Sales Hours:
  • Mon - Fri8:00 AM - 6:00 PM
  • Sat8:00 AM - 4:00 PM
  • SunClosed

Buying vs Leasing: What’s Right for You?


Leasing
While financing a vehicle is typically more popular among drivers in the Hayward area, regardless of their credit, many are discovering that leasing offers a wide range of benefits worth considering. What exactly is leasing? When you lease, rather than paying for the entire vehicle, you end up paying for what you actually use. Your monthly payments, which are typically more affordable than they would be with traditional financing, are determined based on the estimated depreciation of your vehicle in addition to the cost of borrowing. Here are just a few additional benefits of leasing:

Leasing is less expensive up front: In most cases, it does not cost as much money up front to lease a vehicle.
Less worry about the potential for negative equity: There is significantly less risk that your car will decline in value so much so that it is worth less than the projected residual value.
Warranty coverage peace of mind: You don’t have to worry about costly out-of-pocket expenses when you lease. Your car will likely be covered under a factory warranty for the duration of the lease.
Enjoy more affordable payments and shorter terms: Because your monthly payments are lower, features you may not have been able to afford before could now be within reach.

Financing
While leasing may be the more affordable option for some drivers in the Cumberland area, financing has its own set of advantages. Drivers have more freedom when it comes to creating the car of their dreams as well as the ability to drive without limits.

There are no mileage limits with financing: If you do a lot of traveling or you have a long commute to the office, financing may be your best choice. When you lease, you are bound by mileage restrictions. Go over those limits, and you will be charged a penalty.
Customize your ride: If you plan on making any modifications to your vehicle, such as upgrading the sound system or changing the color, you should finance the vehicle. Most leases do not allow you to alter the vehicle in any way.
Sell your car at any time: If you decide that it’s time for a different vehicle, you have the freedom to sell your car when you want to.
Financing becomes more affordable over time: Once your vehicle is paid off, it is yours and you no longer have to worry about monthly payments.
If you have additional questions, such as, "Should I lease vs. buy a SUV?", the Don Johnson Ford finance team will be happy to help you explore your options. Contact us today for more information about buying and leasing, to learn about benefits like the Section 179 Deduction, or to set up a test drive. We can’t wait to help you find a vehicle you will love for many years to come.

Ford Finance Application and Other Online Tools
Want to get started on the financing process from the comfort of your couch? Then make use of our helpful online tools. To get pre approved, fill out our Ford finance application. Simply answer several questions in our secure form and submit it. Then, when you visit our dealership and sit down with one of our expert financers, they will already have a better idea of your financial situation. That way, you’ll be a step ahead in the financing process!

On our website, you’ll also be able to make use of our payment calculator. After you find your ideal ride, plug its information into this online tool. Then, it will show you what your estimated monthly rate would be. If you have any questions or concerns along the way, please be sure to reach out to a member of our team. We’ll happily assist you in any way we can.

Visit Our Ford Finance Center Today!
With our Ford finance application and supportive team of finance experts, we'll be there for you throughout your car-buying journey. We invite our Rice Lake, Barron, and Hayward, Wisconsin friends to browse through our online tools. Also, don’t hesitate to contact our Ford finance center to learn more about how we can help you get behind the wheel of a new car.

Reach out to us today with any questions you may have or to schedule a meeting to discuss the different financing options available to you.

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Don Johnson Ford 45.531185, -92.040453.