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Financing Tips for Your New Car

Compare Your Options

If you are shopping for a new car, and you are planning on financing your purchase, consider lending institutions you already have a relationship with. Local banks, credit unions, and trade associations with lending divisions often give preferential rates to their account holders and members. If you are already a customer or member, it can’t hurt to access a line of credit as a possible option.

When you have a line of credit available from an independent lending source, you’ll be able to compare it to your dealer’s financing options. If you don’t like what the dealership has to offer, you can always choose to finance your new car using your own source.

Payoff Penalties

In addition to the finance rate, it’s important to know if the loan you’re considering has an early loan payoff penalty. This type of penalty can practically negate a low interest rate if you choose to pay off your loan early for any reason. Make sure to read the fine print before you sign to make sure you understand all the details of the loan agreement.

Cash Back or Special Financing?

Occasionally the manufacturer will offer a choice of receiving a cash rebate or special financing when you purchase a new car. It may not be obvious as to which option will save you more money.

What is a Good Down Payment Amount?

According to Edmunds.com, the average down payment for a vehicle purchase was 12% (both new and used car purchases included) in 2017. Ideally, if you are going to purchase a new car, you will want to put at least 20% down in order to offset the first year’s depreciation – and the larger the down payment, the better.

Just like when you apply for a mortgage, you will get a better interest rate with a larger down payment. Additionally, you’ll have a better chance of being approved – and your monthly payments will be lower.

Hawk Ford

As an experienced and reliable Ford dealer, Wayne and St. Charles residents can count on our dedicated team at Hawk Ford to offer the best deals around on a new or used Ford vehicle. Stop in today and take a test drive – then check out the affordable financing options we have available. You won’t be disappointed!

New Year’s Resolutions for Your Car

The start of a new year is a great opportunity to set goals on how to better yourself and your daily habits. While you likely want to eat healthier, workout more and save more money this year, you should consider setting goals for your car as well. As silly as this seems, setting goals can hold you accountable for taking care of your car and helping extend its lifespan. Our used car dealer in Batavia recommends the following to help you get the most out of your car this year.

Stay on Top of Fluid Changes

Fluid levels play a large role in how well your car runs. Examples of important fluids include oil, brake fluid, coolant, and transmission fluid. A little bit of preventative maintenance goes a long way when it comes to protecting your vehicle, and it will be a lot cheaper to stay on top of routine maintenance versus spending money on a repair.

Check on the Tires and Wheels

Vibration or wobbly wheels while you’re driving may seem like something that you can avoid, but this is a sign that you need an inspection. Make sure that you check on your tires and tire suspension as soon as you notice that something is off.

Invest in Preventative Maintenance

Scheduling regular maintenance for your car is an ideal way to stay one step ahead of developing problems. Our used car dealer in Batavia is happy to help with preventative maintenance whether your vehicle is new or used.
What New Year’s resolutions are you setting for your car this year?

The All-Electric 2021 Mach-E

If you’ve been hoping for Ford to come out with an all-electric vehicle, the wait is over! We are proud to announce that we are adding a new addition to the Mustang family and it is 100 percent electric and 100 percent impressive. This vehicle will be hitting the market later this year, but our Ford dealer in Wayne couldn’t contain our excitement.

Impressive Technology

If you thought you understood impressive car technology before, the Mach-E takes it to a new level. Your phone will be used as your personal key to get inside the car. The seats, mirrors, radio, lighting and instrument panel will follow suit, automatically adjusting to your needs as soon as you’re inside the car.

Change Your Driving Experience

The Mach-E features different experiences that are tailored to your mood and your desired experience. The interior sound, lighting and responsiveness will all adjust to your style. Specific examples include Whisper, Engage or Unbridled.

Co-Pilot360 Technology

There’s also available Ford Co-Pilot360 technology that can help you stay confident while you’re on the road. It features reverse brake assist, post-collision braking, a lane-keeping system, BLIS with cross-traffic alerts, pre-collision assist that has automatic energy braking, and so much more!

Innovative Features

You no longer have to fumble for your fob every time you head to the car. Your phone acts as a key that can unlock and lock the cars, activate the panic alarm, open and close the windows, and so much more. The E-latch system recognizes you and will present an illuminated button as you approach. With one simple touch, the door will unlock.
If you’re interested in owning your very own Mach-E, you can reserve yours today!

Tips for Financing Your Car

Your car is one of the biggest purchases that you will make in your life, so figuring out financing before you pull the trigger can help you feel more peace of mind. Whether you’re looking to purchase a new new vehicle or used vehicle, our used car dealer in Geneva can help you get the most out of your financing process! Here are some tips to help you through the process. (more…)