Open Today! Sales: 8:30am-7pm | Call us at: (816) 353-1495

Open Today! Sales: 8:30am-7pm
Call us at: (816) 353-1495

Ford Auto Finance Center In Raytown, MO

Are you ready to boost your ride with a new Ford F-150 lease deal? Maybe you're thinking about increasing your efficiency with a new Mustang Mach-E electric car? Once you pick out a new vehicle you love, our Ford finance center will help you apply for low-rate auto loans and choose a custom lease deal.

Call our dealership to apply for Ford financing deals over the phone and schedule your test drive in one of our new Ford special offers.

Buying vs. Leasing

After you decide between the Ford Bronco vs. Ford Explorer and choose the best new Ford SUV for your daily drive, you'll want to choose between one of our Ford finance specials or lease offers. If you're having a hard time deciding on the best way to buy a car, you aren't alone. Many of our customers ask questions about how buying compares to leasing.

The easiest way to think about it is when you finance a car, you're borrowing enough money to buy and own the car. When you lease a car, you're borrowing enough money to rent the car for three years. Both ways to buy a car have different perks, and those benefits depend on your preferences and habits.

For instance, do you drive more than 10,000 miles every year? Do you plan to own your car for the next ten years? Do you want to own what your drive? If you answered yes, financing one of our new or used Ford specials is a great option.

But maybe you aren't someone who racks up the miles. You’re someone whose car needs might shift in the next three years. Perhaps you like to change things up and want the new Ford Mustang today, but know you'll want a new Ford Edge lease when your family is a little bigger in a few years. If that sounds like you, a new Ford lease will suit your preferences better than financing.

What Determines Your Lease Payment

The goal of our Ford finance department here in Raytown, MO, is for you to understand your Ford financing options. That includes making sure you know ways to lower your lease and finance payments.

When you finance a car, you're borrowing the amount needed to pay for the total price of the vehicle. Your monthly car payment includes local taxes, fees, interest, and payment toward your principal loan amount.

When you lease a car, your payment is determined by your credit score, taxes in your area, depreciation of the vehicle, and down payment. Many drivers choose to put down more money at signing to lower their monthly car payment.

Take a moment to play around with our Ford finance calculator to see how you can change your monthly auto bill before signing the contract and if one of our $0 down lease deals is right for your budget.

Visit Dick Smith Ford

Thank you for taking the time to learn more about our Ford finance center. Our Ford auto finance team associates want to help you get pre-qualified for the auto loan you deserve. Give us a call today.

Sales Info

Phone Numbers:Sales Hours:
  • Mon - Fri8:30 AM - 7:00 PM
  • Sat9:00 AM - 6:00 PM
  • SunClosed

Located in Raytown, MO

9505 E 350 Hwy - Raytown, MO 64133

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Dick Smith Ford 38.991501, -94.469310.