Gallatin Ford Finance Center

New and Pre-Owned Financing

At Gallatin Ford, we take pride in offering our customers a wide range of finance and leasing options, serving customers from diverse financial backgrounds. Our team knows that purchasing a new or pre-owned vehicle can be a stressful experience, but we strive to make it nothing short of enjoyable. We do that by removing the guesswork and crunching the numbers for you. Whether you’re looking to finance a new Ford F-150 or a model from our curated selection of pre-owned vehicles, our team is ready to guide you through every step of the process. Get pre-approved for financing and shop with confidence.

New Vehicle Financing

Buying a new or new-to-you vehicle is exciting, and it can offer you a fresh start. If you’re planning to finance your vehicle, our selection of finance options includes competitive Annual Percentage Rates (APR) and a selection of loan terms that allow you to customize your payments. Quick tip: APR represents the interest rate you’ll pay over the course of your financing agreement. Generally, the better your credit score is, the lower your APR, which can make a huge difference in the overall cost of financing. Our team helps buyers at all credit levels find financing that will help them meet their short- and long-term financial goals, whether that’s lower monthly payments or a short loan term for quicker payoff. We’re here to help you find the sweet spot that fits perfectly with your budget.

Pre-Owned Financing

Financing a pre-owned vehicle at Gallatin Ford gives you a wide variety of options with lots of flexibility. Pre-owned models often have lower purchase prices, which can translate to a smaller overall loan amount. This can make finding financing easier. Rates for pre-owned models can vary depending on the vehicle’s age, but you will still enjoy a range of options that our finance team can guide you through to find the solution that suits you best.

Types of Financing

Traditional auto loans remain popular for many, offering consistent monthly payments and flexible loan terms. However, if you prefer lower monthly payments and want the option to upgrade to a new vehicle more frequently, leasing could be worth exploring. Our finance team can walk you through the key differences between financing and leasing, including upfront costs, mileage limits, and ownership options at the end of the lease. We’ll help you decide which option suits your needs and lifestyle best.

Leasing Options

If you hate the idea of missing out on the latest automotive technology, choosing leasing may be a better solution for you. Leasing a vehicle allows you to experience the newest models without taking on the full cost of ownership. Instead, when you lease a vehicle, you will essentially be paying for the vehicle’s cost of depreciation, which translates to lower monthly payments. You’ll also typically have a mileage limit, but if you’re someone who doesn’t drive long distances, leasing can offer more flexibility.

Value Your Trade

If you’re considering trading in your current vehicle, Gallatin Ford’s trade-in program can help maximize your vehicle’s value. Using our online trade-in calculator, get an estimate of your car’s current market value in minutes. By knowing your trade-in value upfront, you can determine how much equity you’ll have to put toward your next vehicle, which can help lower your down payment and overall financing amount. Our team is here to make sure you understand the entire trade-in process and how it benefits you. Plus, trading in a vehicle with us is easy and straightforward, allowing you to focus on choosing your next car.

Monthly Payment Calculator

Wondering how your budget translates into monthly payments? Our online monthly payment calculator can help. By entering a few details, such as the vehicle price, loan term, APR, and down payment, you’ll get a clearer picture of your monthly payment options. Adjust the loan term and down payment to see how different factors impact your payments, allowing you to find a balance that suits your financial situation.

Get Pre-Approved and Drive with Confidence

At Gallatin Ford, we know that a car purchase is one of life’s big steps, and our finance team is here to guide you every step of the way. With flexible financing options, helpful tools, and personalized support, we’re committed to making sure you leave with a vehicle and a payment plan that fits your needs. Get started by exploring our financing options and using our online tools to prepare so you can drive with confidence and excitement.