Sam Pack's Five Star Ford

Finance Center

Welcome to the Finance Center at Sam Pack’s Five Star Ford!
Sam Pack’s Five Star Ford makes it easy to secure affordable financing or lease terms when you purchase a new or used vehicle. Our finance experts are committed to finding you the best deal, no matter your credit situation. We work closely with trusted financing sources and can help find you a loan with a low rate and flexible terms. If you want to get one step closer to a new Ford experience, use our contact form at the bottom of this page to reach out to us!
Buy vs. Lease: Which One Is Right for You?

Deciding whether to buy or lease a new Ford can be a difficult choice. It’s important to know the differences between the two options so you can figure out which is best for you. If you’re unsure which option is best suited for your budget and needs, our Ford experts will help find a solution.

When you buy a vehicle, you are paying for the entire vehicle. Typically, buyers make a down payment, either pay the sales tax in cash or roll the amount into the loan, and then make monthly payments with a set interest rate. This option is great for those who drive many miles, or plan on keeping their car for a long period of time.

Meanwhile, leasing is a great option for those who want lower monthly payments and a new vehicle every few years. When you lease a vehicle, you are only paying for the amount of the vehicle you use. The sales tax is included in the monthly lease payment, which is determined in part by a money factor that is much like an interest rate on a new car loan. In most cases, the first monthly payment is made when you sign the contract.

8:30 am – 8:00 pm
8:30 am – 8:00 pm
8:30 am – 8:00 pm
8:30 am – 8:00 pm
8:30 am – 8:00 pm
8:30 am – 8:00 pm

Get Your Trade-In Value With Ease

Below, our online appraisal tool helps to estimate the value of your trade-in, and our online payment calculator can help you find out what you can afford. You can adjust this estimate based on several factors, including price, estimated down payment, finance or lease term, APR, and credit score rating.

When you are ready to buy or lease, you can fill out our quick online financing application, and our finance experts will help guide you through the rest of the process. We strive to make the process as streamlined as possible, so please reach out to us with any questions or concerns you may have.

Additionally, if you’re a business looking to add to your fleet, you can fill out and complete our Commercial Credit Application ahead of your visit to our finance department. This way, you can fast-track your on-site performance without missing a beat.

Get Insured From the Get-Go

As you close out your financing experience with our Ford experts, it’s important to remember that car insurance is required to drive. Luckily, our finance department takes the guesswork out of this process by offering Ford Insure. Either online or in-person with our team, you can get a quote and purchase a new policy to receive a 10% discount!

As you drive with insurance through Ford Insure, your Ford’s built-in modem will begin sharing data through FordConnect. By hitting the road with safe driving habits over time, you can save up to 40% off your premium! This progress is tracked in-car and will generally last around four-to-six months. Once this threshold has been met, you’ll save big!

Let us know how we can help when you visit our finance center. Our Ford experts will match you with a quote that matches your budget and delivers must-haves in your insurance policy to add extra peace of mind with every mile you drive.

Rely on Us to Drive with Peace of Mind

No matter where you are in the Lone Star State, our Sam Pack’s Five Star Ford Carrollton team strives to make your driving experience memorable. We offer a comprehensive, yet personable financing process to add confidence to the journey ahead.

We’re always available to field your questions and provide clarity where needed. Reach out to us either online or over the phone, or visit us in person in Carrollton, TX, to get one step closer to a new set of Ford keys!

Use our free online appraisal tool to estimate the value of your trade-in, and our online payment calculator can help you find out what you can afford. When you are ready to buy or lease, you can fill out our quick online financing application, and our finance experts at Sam Pack’s Five Star Ford will help guide you through the rest of the process.

Estimate Monthly Payments

Only an estimate. Excludes taxes, title, license, and insurance.

The total cost of the vehicle.

Down Payment

A down payment is an initial, upfront payment you make toward the total cost of the vehicle. Your down payment could be cash, the value of a trade-in, or both. The more you put down, the less you need to borrow. A larger down payment may also reduce your monthly payment and your total cost of financing.

Trade-in Value

The trade in value is the amount that a dealer is willing to offer you towards the purchase of a new vehicle in exchange for your current one. It’s typically based on the market value of your vehicle (the amount it would sell for on the open market).

Payoff Amount

Your payoff amount is how much you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt. Your payoff amount is different from your current balance.

Additional Down Payment

Additional down payment in cash.

Loan Term

This is the length of your auto loan, generally expressed in months. A shorter loan term (in which you make monthly payments for fewer months) will reduce your total loan cost. A longer loan can reduce your monthly payment, but you pay more interest over the life of the loan. A longer loan also puts you at risk for negative equity, which is when you owe more on the vehicle than the vehicle is worth.

Finance Rate (APR)

This is the annual percentage rate, and is not always the same as the interest rate. This represents the annual rate that is charged, and as such, is the actual annual cost to the consumer over the course of the auto loan. The APR will allow you to more easily shop and compare car loans, since it equates all loans to the same annual rate.

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Finance Questions?

Write a note below and one of our friendly finance experts will get you an answer.

  • * For warranty inquires, please contact our finance department directly at (972) 242-6415.
    * For service & parts, please contact our service department directly at (972) 242-6415 or fill out the form here.

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