Finance Center

Finance Center in Harvard, IL

How can we help?

Looking for competitive financing or a lease built around your needs? Learn more about all your finance and lease options with help from the experts at Harvard Ford. 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 today.

Whether you are an Illinois driver looking for a long-term investment or are interested in enjoying a new Ford every two to three years, we're sure to have an option that fits your budget and lifestyle. Explore all our affordable New Ford Specials, Pre-Owned Vehicle Specials, Manufacturer Offers, and Regional Incentives waiting for you at Harvard Ford. Keep reading to unpack all your Ford financing options and benefit before stopping by for a test drive.

Ford Financing

Financing is a great option for anyone looking for a long-term asset with flexibility and the ability to limit your expenses in the long term after payments are complete. To begin financing, your information is put through a credit check to find the best possible loan rate for you and see what you can afford. Although upfront financing may be more expensive due to your down payment and loan rates, in the long term you'll unlock impressive savings and financial flexibility. Additional benefits of financing include:

  • You own and can sell or refinance your Ford.
  • No mileage restrictions.
  • You can customize and alter your Ford.
  • No car payments once paid off.
  • Multiple lender options to get the best rates.

Ford Leasing

If you're interested in trying out several styles and enjoying all the latest technology, leasing is a great option. What is leasing? Leasing allows you to rent your car from your local dealership at a depreciation value over a two to three-year term. Leasing also generally begins with a lower initial down payment and a lower monthly payment compared to financing a new Ford. If you enjoy trading in your vehicle every few years, a lease set up through our financing department is a fantastic choice. 

Compared to competitors, Ford lets you lease a vehicle while retaining your option to return or buy. Lease payments are usually lower than similar term finance payments because you're only paying for the portion of the vehicle's value used during the lease term. Ford's Red Carpet Lease provides unique benefits and features:

  • Variety of popular terms, including our popular 24/36 month leases
  • Seven mileage options to choose from
  • Customize your vehicle at the time of purchase with approved accessories

Why finance at Harvard Ford?

Our Harvard Ford finance team will help you navigate the world of leases, loans, and purchase agreements. We'll make the process easier and guide you through all of your options so that you can find your ideal plan that won't break the bank or strain your budget. You can even get started before you shop, by filling out our convenient, online finance application to get the ball rolling and start setting up the perfect financing arrangement for your budget. Learn more about Ford Credit and all its benefits including:

  • Whether you prefer buying or leasing, Ford Credit has a financing plan for you.
  • Ford offers GAP protection, Ford Protect® Extended Service Plans, and WearCare®.
  • Enjoy access to online tools to help you access your finances anytime, anywhere.
  • Ford Credit offers customers a variety of special offers and incentives.
  • Special incentives for military, first responders, and medical professionals. 
  • Unique incentives to college students and recent graduates.

Financing FAQs


Choosing whether to lease or finance your next Ford is a personal decision that can swing one way or the other based on your credit score and the mileage you plan on putting on your new car. If you’re looking for a flexible long-term asset, financing may be right for you. If you’re interested in only a limited ownership window, leasing may be right for you.

Yes, trading your car in for a lease is a great way to reduce your down payment and/or monthly lease payments.

  • Warranty coverage.
  • Latest technology and stylings.
  • Available loyalty incentive.
  • Can choose to purchase, switch, or walk away after the lease is up.
  • Mileage limitations.
  • No customizations.
  • Excessive wear and tear will also cost you.
  • Not an asset like financing.
  • Your buying an asset once paid off.
  • No mileage limitation.
  • Long-term savings.
  • Ability to sell.
  • Higher monthly payments.
  1. Lease a new Ford.
  2. Purchase a new Ford.
  3. Purchase your currently leased Ford.
  1. Scheduling your inspection.
  2. Review and make possible repairs.
  3. Make an appointment at a dealer.
  4. Complete a federal odometer/lease termination statement.
  5. Pay any lease liability fees/charges.
  6. Pay any additional charges.

How can we help?