Our Finance Center
Ford Finance Center
Whether you’re ready to sign the dotted line and get behind the wheel of a great new vehicle or just want some more information regarding financing options, our finance center can be a great resource to tap. Wherever you’re at in your car-buying journey, our service team at Waldorf Ford will prove helpful to Waldorf, Huntingtown, Clinton, Accokeek, and Upper Marlboro, MD, area drivers!
Our Finance Team at Waldorf Ford
At our service center, you’ll find several knowledgeable automotive finance professionals. Coming well-versed in the finance process, our team members are equipped to do everything from answer preliminary finance questions to working you through the finance process to nail down terms and conditions.
Interested in the prospects of a lease? Whether you’re set on a lease deal or just want to learn more, our team can assist here, too. We’ll present you with the side-by-side benefits of leasing as opposed to financing, which can also be found in our online guide. Similarly, we will also help you throughout the process, should you decide that leasing is the route you want to go.
Exploring Financing Online
In addition to visiting our finance center in person, a number of our online tools serve as a convenient extension of our finance staff that’ll allow you to find the information you seek right on our website.
For instance, if you’d like to gain pre-approval for an auto loan, we offer an online application. Using this, you can fill out some pertinent info and we’ll get to work with our lenders so you can be approved before coming in for that first test drive.
Additionally, we offer an online payment calculator. This tool can be especially useful if you find a specific vehicle you like online. Just fill in some information regarding your down payment, trade-in value, and more, and you’ll be presented with a rough estimate for what a payment plan for that specific vehicle may look like.
Selling and Trading In Your Ride at Waldorf Ford
Whether you’ve got a current car to trade in or are looking to sell a vehicle, our finance department can also help. The process is extremely easy. Just bring your ride in, and our team will get to work on an appraisal. From there, we’ll present you with an offer that’s redeemable on the spot!
So, if you’re looking for an alternative to the slow-moving private selling market, you may want to reach out to our finance department today. All you’ll need is a title, valid state-issued ID, registration, and of course, the vehicle’s keys.
Talk to a Ford Finance Expertise Today
Now that you’ve learned about the experience you can have and the different areas we can help you at our service center, it may be time to move forward with your process. Whether you’re a Waldorf, Huntingtown, or Accokeek, Maryland, driver looking to sell, a Clinton or Upper Marlboro, Maryland driver looking for a lease, or something in between, we’ll be ready to help at Waldorf Ford!
| Monday | 9:00AM - 8:00PM |
| Tuesday | 9:00AM - 8:00PM |
| Wednesday | 9:00AM - 8:00PM |
| Thursday | 9:00AM - 8:00PM |
| Friday | 9:00AM - 8:00PM |
| Saturday | 9:00AM - 8:00PM |
| Sunday | 11:00AM - 4:00PM |
| Monday | 7:30AM - 7:00PM |
| Tuesday | 7:30AM - 7:00PM |
| Wednesday | 7:30AM - 7:00PM |
| Thursday | 7:30AM - 7:00PM |
| Friday | 7:30AM - 7:00PM |
| Saturday | 8:00AM - 4:00PM |
| Sunday | Closed |
| Monday | 8:00AM - 5:30PM |
| Tuesday | 8:00AM - 5:30PM |
| Wednesday | 8:00AM - 5:30PM |
| Thursday | 8:00AM - 5:30PM |
| Friday | 8:00AM - 5:30PM |
| Saturday | 8:00AM - 2:00PM |
| Sunday | Closed |
Frequently Asked Questions - Waldorf Ford Financing
What are my financing options when purchasing a vehicle at Waldorf Ford?
At Waldorf Ford, we offer a range of financing options, including traditional auto loans, leasing, and Ford's special financing programs. Our finance team works with various lenders to secure competitive rates, whether you're buying new or used. We also offer flexible loan terms to fit your budget.
Can I apply for financing online?
Yes! You can easily apply for financing online through our secure finance application form. By submitting your application online, you can save time at the dealership and get pre-approved before visiting us.
What factors determine my financing approval and interest rates?
Your credit score, income, employment history, and the vehicle you're purchasing all play a role in determining your financing approval and interest rates. We work with various financial institutions to find the best loan terms for your situation, even if you have less-than-perfect credit.
Can I finance a vehicle with bad credit or no credit?
Yes, we offer financing options for customers with bad credit or no credit. Our finance team specializes in helping people with challenging credit situations find a plan that works for them. You may still qualify for a loan or lease, and we’ll guide you through the process.
Should I finance or lease a new Ford?
Choosing between financing and leasing depends on your driving habits and personal preferences. Financing allows you to own the vehicle outright, with no mileage limits or restrictions, while leasing typically comes with lower monthly payments and the option to upgrade to a new model every few years. Our finance experts can help you weigh the pros and cons of each option.
Can I trade in my current vehicle and use it toward my down payment?
Absolutely! You can trade in your current vehicle at Waldorf Ford and apply its value toward the down payment of your new or used vehicle. Use our trade-in tool to get an estimate of your car’s value, or visit us for an in-person appraisal.
How much should I put down for a down payment?
The amount of your down payment depends on your financial situation and the vehicle you're purchasing. While a higher down payment can lower your monthly payments and reduce interest, we also offer zero down payment options for qualified buyers. Our finance team will help you determine the best down payment for your needs.
Can I refinance my existing auto loan through Waldorf Ford?
Yes, if you're currently financing a vehicle, Waldorf Ford may be able to help you refinance your auto loan for a lower interest rate or better terms. Contact our finance department to explore your refinancing options and potentially save money on your current loan.
What documents do I need to bring when applying for financing at the dealership?
When applying for financing at the dealership, you should bring a valid driver’s license, proof of income (such as pay stubs), proof of residence (like a utility bill), and insurance information. If you're trading in a vehicle, bring your trade-in title and registration as well.
Does Waldorf Ford offer any special financing programs?
Yes, we often offer special financing programs for qualified buyers, including incentives for first-time buyers, military members, and recent college graduates. Check our current offers or speak with our finance team to learn more about any available programs.
How do I know if I qualify for Ford's special financing offers?
You can check if you qualify for Ford's special financing offers by speaking with our finance team or filling out the online application. These offers are often available for customers with strong credit, but we’ll review your individual situation to see if you qualify for any current promotions or incentives.
Can I pay off my auto loan early without penalties?
Most of our auto loans allow you to pay off the loan early without penalties, but this may vary depending on the lender. We recommend discussing this option with our finance team to ensure you understand the terms of your loan agreement.