Finance Center in Miamisburg, OH
People from all over the greater Dayton, Franklin, and Lebanon, OH areas have come with problems and left with solutions after a quick and easy talk with our knowledgeable financial team. The reason why? Our experts have only one goal in mind: turning your dreams of ownership from fantasy to reality.
New and pre-owned Ford models alike are eligible for great auto loan rates, and we'll do our best to get them for you. First time buyer? Or maybe you're looking to get a new car for a lower payment...whatever the reason, we also offer great Ford lease terms on new cars.
To begin, just fill out the easy-to-use contact form or, if you have the time, come on down and talk to us in person! We'll be happy to discuss your options and help you decide which solution is right for your needs.
We Make it Easy!
Should You Lease Your New Interstate Ford Vehicle?
Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.
Benefits of Financing
Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.
Flexible Credit Options
Interstate Ford can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.
Frequently Asked Questions
This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
When a third party pulls your credit report, it can have a negative impact on your credit score. However, the impact is typically small and temporary. The exact number of points your score may go down depends on various factors, such as your overall credit history and the frequency of credit inquiries.
Credit pulls are categorized into two types: "hard inquiries" and "soft inquiries."
Hard inquiries occur when you apply for credit, such as a loan or a credit card. These inquiries can slightly lower your credit score (usually by a few points) and remain on your credit report for about two years. It's important to note that multiple hard inquiries within a short period, such as when shopping for a loan, may be treated as a single inquiry to minimize the impact.
 On the other hand, soft inquiries are inquiries that don't result from a credit application. For instance, when you check your credit score or when potential lenders pre-approve you for offers. Soft inquiries do not affect your credit score. To maintain a healthy credit score, it's essential to keep hard inquiries to a minimum. Here are a few tips: Limit credit applications to necessary ones, avoiding excessive or unnecessary inquiries.Â
When shopping for credit, such as an auto loan or mortgage, try to do so within a concentrated timeframe to minimize the impact on your score. Regularly monitor your credit report to ensure accuracy and address any potential discrepancies.
Remember, while credit pulls may have a temporary impact on your credit score, responsible credit management and positive financial habits are key to maintaining and improving your overall creditworthiness.
At Interstate Ford, we have strong relationships with many of the major local and national institutions, ensuring a wide range of financing options for our customers. Here are just a few of the lenders we work with:
Ford Credit: As the financing arm of Ford Motor Company, Ford Credit offers competitive rates and special programs designed specifically for Ford vehicles.
Fifth Third Bank: A reputable financial institution known for its comprehensive banking services, including auto financing options.
Wells Fargo: With a long-standing presence in the financial industry, Wells Fargo provides a variety of lending solutions, including auto financing.
GECU: GECU (Government Employees Credit Union) is dedicated to serving the financial needs of government employees and their families, offering competitive rates and personalized service.
WPCU: WPCU (Wright-Patt Credit Union) is a trusted credit union serving members in the Dayton, Ohio area, providing reliable financing options.
These lenders, among others, enable us to offer a diverse range of financing choices tailored to your specific needs and financial goals.
Rest assured that our team is committed to helping you find the best lender and financing terms that align with your unique circumstances. Contact us today to explore your options and get started on your vehicle financing journey.
Ready to begin?
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Our Dealership takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.
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Interstate Ford
125 Alexandersville Road
Miamisburg, OH 45342
- Sales: (937) 887-4217
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