Ford Finance Center near Amherst, NY

Finance Your Ford at Howell Motors Ford in Lockport, NY

Finding the right finance program for your needs can make a huge difference when buying a new or used car. When you buy with Howell Motors Ford, you'll have the opportunity to work with professional Ford sales associates, who will happily help you through the process of finding a beautiful Ford model to call your own, but you'll also be able to talk with on-site finance professionals who will gladly help you find the lease or loan that will fit within your needs. Our finance team in Lockport, NY is knowledgeable and here to help you through the process of paying for your vehicle, and you can even learn more about what you can qualify for online from the comfort of your home.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Buying with a Loan

Be sure to check out our loan options if you want a used car. And if you're getting a new vehicle, a loan could still be the right option for you. When you choose a loan, you'll be able to own the title on the vehicle so that you can do whatever you want to the vehicle without penalty. Drive as much as you need to in a year, and make any modifications you see fit when you get a loan.


Leasing is smart for Lancaster, NY customers interested in switching to the latest model in a couple of years. It's also a great choice if you want to try something new for a couple of years because you won't have to sell it if you decide it's not for you. Additionally, you'll appreciate that you can buy your vehicle out at the end of the lease. And if you own a business, you might be interested to learn that there are even some tax incentives to leasing a vehicle for your business.

Sell Your Old Vehicle to Us

If you're looking for a way to come up with a down payment on your next used or new vehicle, selling your old vehicle to us is a smart option. First, selling to us is easier than selling on your own because we find the buyer and do the detailing for you. This will save you a lot of time and frustration, too. Plus, you can count on us to give you a fair price for your vehicle, and we'll make it easy to learn what kind of price you can expect to get for your vehicle just by using our online estimator tool.

Finance Incentives and Specials for New and Used Vehicles

When you're interested in finding the right vehicle, finding a good special on a vehicle could save you thousands of dollars. We have certain used vehicles priced particularly well and new vehicles with special finance incentives.

Finance Online or In-Person at Howell Motors Ford

We have several financing tools to help you. When you want to sell us your car, you can input the details of your current vehicle, such as the mileage, year, model, and condition, into the online tool to get a general idea of what your vehicle is worth. Later, bring your vehicle to Howell Motors Ford to get an exact quote. You can also find your next loan or lease for your vehicle online by giving us access to your credit background with our online credit tool. We have many lease and loan options available for people with various credit backgrounds. Plus, if you prefer to talk to us in person, we'll happily show you what we offer when you visit our finance professionals.

Frequently Asked Questions

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.
  1. Howell Motors Ford

    6488 Ridge Road
    Lockport, NY 14094

    • Sales: (888) 687-3415
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Get in Touch

  • Contact our Sales Department at: (888) 687-3415
  • Monday9am-8pm
  • Tuesday9am-8pm
  • Wednesday9am-5pm
  • Thursday9am-8pm
  • Friday9am-5pm
  • Saturday9am-3pm
  • SundayClosed