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Financing

Welcome to the Finance Department. Here you can use our online form to get a quick and accurate response on financing your next vehicle. Also, don't forget to ask about:

  • ESP- Ford Extended Service Plans: Substantial savings with Prepaid Maintenance Programs.

  • Ideal Payment PlanTM- Assists you in substantially lowering your initial monthly payments.

  • TRADE GAP (Value Protection) - Up to $5,000 in negative equity protection.

  • Capital NavStar- Concierge Service, directions, reservations, travel arrangements, & answers to trivia questions
Contact Information
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Financing Navigation

Contact Information

Capital Ford

4900 Capital Blvd

Raleigh, NC 27616
workSales:
919-790-4600
serviceService:
888-897-7687
partsParts:
800-849-3166

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Tip!

Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.

Tip!

Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.

Tip!

Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.

Tip!

Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.

Tip!

Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.

Tip!

Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.

Tip!

Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.

If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.