Finance

Finance Center

Welcome to the finance center at Mclaughlin Ford Sumter! We know how exciting it is to buy or lease a new car, and we’re so thrilled to join you on this adventure. With the help of our experts on your side, you’ll find you can travel around Sumter, Columbia, and Florence, SC, from behind the wheel of your new car in less time than imagined.

In addition to helping you build a personalized finance plan, we have a comprehensive library of resources that can help you learn more about the various components that go into financing a new car.

Read on to learn more!


Apply For Financing New Specials Schedule A Test Drive


About Our Finance Center

Finance TeamThe focus of our finance center is ensuring your experience with our team exceeds your highest expectations. That’s why you’ll work closely with one of our finance managers throughout the finance process. From explaining various financial terms to handing over the keys to your new, we’re here to help.

A key role of our financers is learning more about your unique financing requirements. This is accomplished by asking you a series of thought-provoking questions, such as:

  • Do you want to buy or lease?
  • How long do you want to finance?
  • Are you trading in a car?
  • How much are you putting toward your down payment?

After these questions are answered, and when you have no additional questions about the financial process, our team will use their close relationship with local banks and lenders to secure you a loan with competitive, favorable rates.

We know your time is valuable. That’s why we offer solutions to help you get a jumpstart on the finance process prior to stepping foot in our finance center. To do so, simply fill out our finance application. After completing the four quick steps, this information gets sent to our team of specialists.

This allows them to start drafting potential payment plans prior to your visit. This way, when the day of your appointment rolls around, you’re likely to spend less time in our finance center answering questions since our team already knows a bit about your needs.

As a result, you’ll drive off our lot with your new loan or lease plan in hand and embark on your maiden voyage around town.

We Offer Loan Options to Individuals with All Credit Backgrounds

At our finance center, we strongly believe that everyone should have access to their dream car. That’s why we work with individuals with all types of credit backgrounds. Continue reading to learn more about how, regardless of your credit score, we can help!


I’ve Never Missed a Payment…What Are My Options?

If you’ve never missed a payment and have excellent credit, our team can help you find the best interest rate for your next vehicle purchase. We have hundreds of new and pre-owned Ford models in our showroom that are ready for delivery. Many of these vehicles feature low interest rates.


I’ve Missed a Payment or Two…What Are My Options?

Due to our special arrangements with local and national lenders, we can help you get the new or pre-owned vehicle you deserve. With our flexible payment options, we’re sure to find an interest rate that matches your needs.


I Have No Credit History or Need to Rebuild It…What Are My Options?

Even if you’ve been turned down before, we can help. We have programs that are designed to help you get into your dream car while also rebuilding your credit. Contact us to learn more about these finance programs!


Learn About Your Finance Requirements with Our Online Tools

Online ToolsThere’s no one approach to automotive financing. Everyone comes from different backgrounds and has different needs. To help you identify your unique requirements, we’ve created several online tools and resources.

First, you can learn more about the types of loans you may qualify for by spending a moment with our online auto loan approval form. You can also receive a trade-in value for your current model. To get started, we only need basic information—such as license plate number, VIN, or make/model—of your car.

From there, some model-specific information like odometer reading, trim level, and features will help us provide a more tailored estimated value with your model.

Once you have those numbers, we recommend you spend a minute or two with our payment calculator tool. Play around with elements like down payment amount, credit score, and similar topics to see how these may lower your estimated monthly payments.

Learn More About Financing With our FAQs

Want to further deepen your understanding of automotive financing? Check out some of our finance FAQs. Still have unanswered questions? Simply reach out to our team. They’re always happy to help!


Can I Boost My Car’s Trade-in Value?

Yes! There are many ways you could potentially increase your vehicle’s trade-in value. You’ll be happy to know that most of these options only take a few short minutes out of your day to complete.

For example, a thorough cleaning of your vehicle both inside and out can help leave a strong lasting first impression when you go to trade in your car. Another fast and easy way to boost trade-in value is by performing any routine maintenance, like oil change or wiper blade replacement, that may be overdue.

Our team of technicians are happy to help if service is needed!


Can I Trade a Car That I Still Owe Payments On?

Yes! Our team has experience working with vehicle trades that still require payments. This is known as a vehicle with negative equity.

We’ll work with you to refinance your existing loan with your new one. This way, you’re only paying one loan that features favorable terms.


Can I Lease a Car?

Leasing is a popular option for drivers since it provides the necessary freedom to drive a new car every few years.

Our team can work with you to create a lease plan that features the terms you need most. Contact our team to get started!


Visit Our Finance Center Today

The only thing standing between you and a victory lap around Sumter, Columbia, and Florence, South Carolina, from behind the wheel of your new Ford is a trip to our finance center. Thanks to the help of our experts, you’ll drive off our lot with your personalized payment plan in hand.

Contact us at Mclaughlin Ford Sumter to schedule your finance appointment today!


Auto Loans

The Mclaughlin Ford finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Sumter, Lugoff, and Florence to ensure our customers get the right finance program at the most competitive rates.

We strive to work with each customer to ensure their satisfaction. We have financed customers from Manning to Columbia. Whether you are right down the road or an hour away from Sumter you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.

How is your credit?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

The Mclaughlin Ford loan process can help you find the best interest rate for your next vehicle purchase.

Try our FREE credit application today!

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Ford vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Ford vehicles currently available for immediate delivery.

Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our FREE credit application online.

Once the application is completed, the Mclaughlin Ford finance team will put together a loan package that is tailored specifically for you.


Online Credit Application

Fill out our online credit application and get pre-approved for your next vehicle.

Get Pre-Approved

Our Financial Services Include:

  • Competitive rates direct from the manufacturer and local South Carolina banks
  • Quick approvals
  • Value-added services to protect your vehicle investment
  • Extended warranty programs
  • And many more finance programs to fit your needs

We are always happy to answer your questions so please don't hesitate to contact us today!