Financing with Our Dealership

Kerns Ford, Inc. takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Competitive Rates

No Hassle Credit Checks

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Should You Lease Your New Kerns Ford, Inc. 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

Kerns Ford, Inc. 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

What's better, buying or leasing?

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.

Ready to begin?

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Welcome to Our Financing Department

Get the best possible deal with our financing options here at Kerns Ford

Finding a car you like is the first big step toward driving away satisfied. Fortunately, with our selection of Ford models and used cars for sale here at Kerns Ford, that part is only too easy. The next big step is determining which financing options are right for you. Luckily, that part is pretty easy as well here at our Celina dealership. With staff on hand to help you find the right car payment plan and great relationships with local banks and lenders, there's almost no obstacle to getting you a great deal here at Kerns Ford.

Should Your Invest in a New Ford Lease or Loan?

Will you lease or buy your F-150, Bronco, F-250, F-350 or Bronco Sport? Have you had your eyes on a specific car and want to know what you qualify for before you come in for a test drive? If you think a lease is right for you because you like the idea of trading it in every few years for a new one, we can help. If you want to own your car, truck or SUV one day, then we'll help you get the right loan terms to buy.

Finance Your Next Ford Model at Kerns Ford without the Headache

Auto financing can be a tedious, stressful process, but our Celina finance team is here to help you find the financing option that is best for you. While in the past you may have shopped your financial profile around Coldwater OH, Saint Marys OH, Lima OH and Decatur IN for the right option, our finance team has established solid relationships with major lenders to have access to affordable auto financing options. To shorten your time on-site and to get a head start, fill out our online finance application and let our finance team know if you have any questions.

Your privacy is important to us.

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.

  1. Kerns Ford, Inc.

    500 W Logan St.
    Celina, OH 45822

    • Sales: 888-619-7690
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Get in Touch

  • Contact our Sales Department at: 888-619-7690
  • Monday9am-7pm
  • Tuesday9am-6pm
  • Wednesday9am-7pm
  • Thursday9am-6pm
  • Friday9am-6pm
  • Saturday9am-3pm
  • SundayClosed