Financing with Our Dealership

Steve Schmitt Ford 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

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Should You Lease Your New Steve Schmitt Ford 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

Steve Schmitt Ford 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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Long-Term Purchase or Short-Term Lease, All Your Finance Options Can be Found at Steve Schmitt Ford

Test driving and researching new vehicles are the fun parts of shopping for any new car, truck or SUV. Budgeting, running the numbers, and figuring out repayment plans are the not-quite-fun part for many Edwardsville IL, Glen Carbon IL, Greenville IL, Staunton IL and Trenton IL drivers. At the Steve Schmitt Ford finance team, we can't promise to make setting up a payment plan for your new car fun, but we can promise to make it easier. We work with many banks in the Highland area and walk you through every step of the process, to make it easier to understand and more efficient for you.

The Options of Loan vs Lease

If you're wondering what the big difference between loan and lease is, you can rest easy! Simply put, leases are an option for drivers that don't want to commit to a Ford for a long period of time. Leases usually last between two to six years and the monthly payments are dependent upon the depreciation rate of the vehicle selected. Comparatively, loans are for Highland drivers considering buying a vehicle - the main difference being you'll be keeping the vehicle after you've paid it off. Of course, the differences are a bit more nuanced than the above description, but Edwardsville IL, Glen Carbon IL, Greenville IL, Staunton IL and Trenton IL drivers can look to the Steve Schmitt Ford finance team to help sort through details.

Jumpstart the Auto Financing Process in Highland

When you're prepared to make your next move, you can count on our friendly financing experts here at Steve Schmitt Ford to help with all your financing needs and guide you through a smooth, easygoing financing experience. All you need to do is fill out our easy financing application, which you can do right from the comfort of home, and we'll be ready to start crunching numbers to help you get that much closer to owning the Ford Bronco, Escape, Explorer, F-150 or Maverick of your dreams.

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. Steve Schmitt Ford

    12610 State Route 143
    Highland, IL 62249-1146

    • Sales: (618) 654-2122
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Get in Touch

  • Contact our Sales Department at: (618) 654-2122
  • Monday8:30AM - 7:00PM
  • Tuesday8:30AM - 6:00PM
  • Wednesday8:30AM - 6:00PM
  • Thursday8:30AM - 6:00PM
  • Friday8:30AM - 7:00PM
  • Saturday8:30AM - 4:00PM
  • SundayClosed