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Financing

Buying a car doesn't have to be difficult. At the Nemer Ford Finance Department, we have relationships with numerous banks to get you the rates you deserve regardless of your credit situation. No need to prejudge your credit, just fill out our simple application and we'll do the rest. Your financing information is encrypted in a super-safe digital format and is never sent through E-Mail.

Have questions before you stop in? Great, we're always here to help, just fill out the form below and Finance Manager Charles Albrect will get back to you in no time at all. If you're wondering what you can afford, just use our handy finance calculator.
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Financing Navigation

Contact Information

Nemer Ford

323 Quaker Road

Queensbury, NY 12804
workSales:
(518) 932-0162
serviceService:
(518) 798-8834

Finance FAQ

Check out our online finance FAQ section for important information regarding car lease and loan characteristics.

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Tip!

Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.

Tip!

Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.

Tip!

Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.

Tip!

Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.

Tip!

Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.

Tip!

Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.

Tip!

Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.

If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.