FINANCE QUESTIONS
Question: How does a credit pull affect my credit score? How many points will my score go down?

Answer: When a third party pulls your credit report, it can have a negative impact on your credit score. However, the impact is typically small and temporary. The exact number of points your score may go down depends on various factors, such as your overall credit history and the frequency of credit inquiries.

Credit pulls are categorized into two types: "hard inquiries" and "soft inquiries."

Hard inquiries occur when you apply for credit, such as a loan or a credit card. These inquiries can slightly lower your credit score (usually by a few points) and remain on your credit report for about two years. It's important to note that multiple hard inquiries within a short period, such as when shopping for a loan, may be treated as a single inquiry to minimize the impact.

On the other hand, soft inquiries are inquiries that don't result from a credit application. For instance, when you check your credit score or when potential lenders pre-approve you for offers. Soft inquiries do not affect your credit score.

To maintain a healthy credit score, it's essential to keep hard inquiries to a minimum. Here are a few tips:

  • Limit credit applications to necessary ones, avoiding excessive or unnecessary inquiries. 
  • When shopping for credit, such as an auto loan or mortgage, try to do so within a concentrated timeframe to minimize the impact on your score. 
  • Regularly monitor your credit report to ensure accuracy and address any potential discrepancies.
Remember, while credit pulls may have a temporary impact on your credit score, responsible credit management and positive financial habits are key to maintaining and improving your overall creditworthiness.



Question: "My credit score isn't great; do you work with low credit/credit concerns?"

Answer: Absolutely! We have lenders that can assist customers in many different credit situations. At [Your Company Name], we understand that credit concerns can arise, and we are here to help you navigate them.


Financial setbacks or credit challenges should not limit your access to reliable transportation or financial opportunities. Our dedicated team works with individuals facing various credit scenarios, including low credit scores.


We believe in finding solutions tailored to your unique needs. Our experienced lenders specialize in assisting customers with credit concerns, and they can guide you through the process to explore financing options that work for you.


Whether you have faced past credit difficulties, experienced bankruptcy, or have a limited credit history, we are committed to helping you rebuild and improve your creditworthiness.


Contact us today to review your options and discuss how we can assist you. We are here to listen, understand your situation, and find the best possible solutions to meet your needs.


Don't let a challenging credit history hold you back from getting the vehicle you need and deserve. Take the first step towards a brighter financial future by reaching out to us today.



Question: "Do I have to have money down to finance?"

Answer: Not necessarily. We have many lenders that offer no-money-down finance options. At Lebanon Ford, we understand that everyone's financial situation is unique, and we strive to provide flexible financing solutions.


While it's not a requirement to have money down for financing, it's important to consider the potential benefits. Providing a cash down payment can positively impact your financing terms, such as interest rates and monthly payments.


Here's why a cash down payment can be advantageous:

  • Better Interest Rate: Putting money down upfront can often result in a lower interest rate, potentially saving you money over the life of your loan.
  • Lower Monthly Payments: A down payment can help reduce the loan amount, resulting in more manageable monthly payments.
  • Equity and Resale Value: Making a down payment helps you build equity in your vehicle from the start and may provide a better resale value down the road.

That said, we understand that not everyone has immediate access to a substantial down payment. Our team is here to explore alternative options, such as no-money-down finance programs, to accommodate your needs.

Reach out to us today to discuss your financing preferences and find the best solution for your budget and goals. Our experts will guide you through the process and help you make an informed decision.



Question: "How much can I put on a credit card when purchasing a vehicle?"


Answer: You can put up to $3,000 on a credit card when purchasing a vehicle. 


At Lebanon Ford, we understand the importance of providing flexible payment options to our customers.


While credit cards can be a convenient form of payment, it's important to note that they may have limitations when it comes to larger transactions like buying a vehicle.


As part of our commitment to customer convenience, we offer the flexibility to put up to $3,000 of your vehicle purchase on a credit card. This option allows you to utilize your credit card's benefits and earn any applicable rewards.


However, it's essential to keep in mind that a credit card may not cover the entire cost of the vehicle. The remaining balance will typically require an alternative form of payment, such as financing or a certified check.


To explore the various payment options available and discuss the best approach for your specific situation, we encourage you to reach out to our knowledgeable team. 

We're here to guide you through the purchasing process and ensure a smooth and satisfactory experience.


Question: "What lenders do you work with?"

Answer: At Lebanon Ford, we have strong relationships with many of the major local and national institutions, ensuring a wide range of financing options for our customers. 


Here are just a few of the lenders we work with:

  • Ford Credit: As the financing arm of Ford Motor Company, Ford Credit offers competitive rates and special programs designed specifically for Ford vehicles.
  • Fifth Third Bank: A reputable financial institution known for its comprehensive banking services, including auto financing options.
  • Wells Fargo: With a long-standing presence in the financial industry, Wells Fargo provides a variety of lending solutions, including auto financing.
  • GECU: GECU (General Electric Credit Union) is dedicated to serving the financial needs of government employees and their families, offering competitive rates and personalized service.
  • WPCU: WPCU (Wright-Patt Credit Union) is a trusted credit union serving members in the Dayton, Ohio area, providing reliable financing options.

These lenders, among others, enable us to offer a diverse range of financing choices tailored to your specific needs and financial goals.

Rest assured that our team is committed to helping you find the best lender and financing terms that align with your unique circumstances. Contact us today to explore your options and get started on your vehicle financing journey.



PURCHASING/ORDERING QUESTIONS

Question: "Do you ship vehicles/shipping cost?"

Answer: Yes. We have extensive experience in shipping vehicles all around the country. At Lebanon Ford, we understand that convenience and accessibility are crucial, whether you're near or far.


Our reliable vehicle shipping services are designed to make your car-buying experience seamless, regardless of your location. 


Here's what you need to know about vehicle shipping and associated costs:


  • Shipping Expertise: We have a dedicated team with extensive experience in handling vehicle transportation. Rest assured that your vehicle will be well cared for during the shipping process.
  • Shipping Costs: Shipping rates vary based on several factors, including the type of vehicle, whether it requires an enclosed or open trailer, and the distance of the delivery. Each shipping quote is unique to your specific circumstances.

Reach out to your dedicated product specialist to receive a shipping quote tailored to your needs. 


They will guide you through the process, provide accurate information, and answer any questions you may have.


Our goal is to provide you with a stress-free vehicle buying experience, regardless of your location. Don't hesitate to contact us to explore shipping options and get a precise shipping quote.



Question: "Can you order/locate this vehicle?"


Answer: We will always do our best to find you the perfect vehicle. At Lebanon Ford our priority is to meet your specific needs and preferences. If we are unable to locate the exact vehicle you're looking for, we have another option to consider.


Our commitment to customer satisfaction extends beyond our existing inventory. If the vehicle you desire isn't readily available, we can explore the possibility of placing a factory order. This option comes into play when the order banks are open for that particular vehicle line.


By placing a factory order, you have the opportunity to customize your vehicle with the specific features, colors, and options you desire. This ensures that you receive a vehicle tailored to your preferences and needs.


We work closely with our manufacturing partners to streamline the ordering process and provide you with updates throughout the production and delivery stages.


Whether we locate your desired vehicle or place a factory order, our dedicated team is committed to finding the perfect fit for you. 

Contact us today, and let's start the journey towards getting you behind the wheel of your dream vehicle.


Question: "Can you estimate the arrival time of a new vehicle (in transit)?"

Answer: Like many manufacturers, Ford is still experiencing supply issues when building vehicles. While we strive to provide accurate estimates, the delivery time of a new vehicle can vary based on the vehicle line and parts availability.


On average, orders for new vehicles typically take 6-8 weeks to be delivered. 

However, it's important to note that this timeline is subject to change due to various factors in the manufacturing process.


Our team works closely with Ford to monitor the progress of your order and provide updates along the way. We understand your excitement in receiving your new vehicle and will keep you informed about any changes or delays that may occur.


We appreciate your patience and understanding during this time. Rest assured, we are committed to delivering your new vehicle as soon as possible while ensuring its quality and meeting your expectations.


If you have any specific questions or concerns regarding the estimated arrival time of your new vehicle, don't hesitate to reach out to our team. We're here to assist you and provide the most up-to-date information available.


SPECIALS & SPECIAL PROGRAMS

Question: "Do you have any lease specials?"


Answer: Yes! We offer lease specials on many different new vehicles. 


At Lebanon Ford, we believe in providing our customers with enticing lease options to suit their needs and preferences.


Leasing can be a great way to enjoy a brand-new vehicle with lower monthly payments and the flexibility to upgrade to a new model at the end of the lease term.


Our lease specials change month-to-month to accommodate various models, trim levels, and promotions. To stay up to date with our current lease offers, we encourage you to reach out to one of our knowledgeable product specialists.


By connecting with our team, you'll have access to the latest lease specials tailored to your desired vehicle and budget. Our specialists can guide you through the leasing process, answer any questions you may have, and help you choose the lease option that aligns with your needs.


Contact us today to review the current lease specials and take advantage of the opportunity to drive the vehicle of your dreams while enjoying attractive lease terms.


Don't miss out on the chance to experience the latest models with the convenience and affordability of leasing. 


Reach out to us now and let's find the perfect lease special for you!



Question: "Do you participate in VIP programs or employer discounts (firefighter, teacher, police)?"


Answer: Yes! At Lebanon Ford, we appreciate the dedication and service of our community heroes and hardworking professionals. 


We are proud to offer various discount programs and participate in employer-sponsored programs to show our gratitude.


We value the contributions of first responders, active and retired military personnel, teachers, police officers, and many others. As a token of appreciation, we extend special discounts and benefits to eligible individuals through our VIP programs.


Here's how we support our community heroes and professionals:

  • First Responders & Military Discounts: We offer exclusive discount programs for first responders, active & retired military personnel, and their families. It's our way of saying thank you for your selfless service and dedication.
  • Employer-Sponsored X-Plan Program: We proudly participate in the employer-sponsored X-Plan program. This program allows eligible employees of partner companies to receive special pricing on new vehicles. Contact us to check if your employer is part of this program.
  • A/Z Plan Program: Our dealership also participates in the A/Z Plan program. This program offers preferred pricing to employees of select Ford business partners. Reach out to us for more information on the eligibility criteria and benefits.

We are committed to supporting those who make a positive impact in our communities. 


If you belong to one of these groups, we are here to assist you in finding the perfect vehicle that suits your needs, while also providing exceptional savings through our exclusive programs.



Question: "Do you have any holiday specials? (e.g., July 4th, Memorial Day, Thanksgiving, Back to School, Christmas, etc.)"


Answer: Yes! We run many different holiday sales events throughout the year to provide our customers with exciting opportunities to save. 


At Lebanon Ford, we believe in celebrating special occasions with exceptional deals and offers.


Our holiday specials include events like our Year End Event, Summer Sales Event, and many others. These events are designed to help you find the perfect vehicle at an attractive price point.


Stay tuned throughout the year for other exciting holiday sales events and promotions. Follow our page or subscribe to our newsletter to ensure you don't miss out on these limited-time opportunities.


Contact us or visit our dealership to learn more about our upcoming holiday specials and how you can take advantage of these exceptional offers.



WEBSITE AND MISC. QUESTIONS

Question: "Why is there inventory on the site that has been sold?"


Answer: All inventory incoming from Ford must be uploaded to our website. However, it's important to note that some units may already be pre-sold or reserved through retail orders. 


Here's why:

At Lebanon Ford, we strive to provide a comprehensive online inventory for your convenience. As soon as we receive information about upcoming vehicles, they are uploaded to our website to showcase the available options.

However, due to high demand and customer preferences, some vehicles might already be spoken for before they arrive. These pre-sold units or retail orders are often reserved by customers who have specifically chosen the vehicle they desire.

To ensure accurate information and availability, we encourage you to contact us directly if you're interested in a particular vehicle. Our knowledgeable team can provide real-time updates and help you verify its availability.

By reaching out to us, you can save time and avoid any potential disappointment by confirming the status of the vehicle you have your eyes on. Our goal is to assist you in finding the perfect vehicle that meets your preferences and needs.


Contact us today to discuss your desired vehicle and let us guide you through the process. We are here to ensure your car-buying journey is smooth and tailored to your requirements.



Question: "What are the Cab/bed sizes for Ford trucks?"


Answer: Ford offers many different cab and bed size configurations to meet your needs:


F-150 Cabs: • Crew Cab • Super Cab • Regular Cab


F-150 Bed Sizes: • 5.5 Foot Bed • 6.5 Foot Bed • 8 Foot Bed


Super Duty Cabs: • Crew Cab • Super Cab • Regular Cab


Super Duty Bed Sizes: • 8 Foot Bed • 6.75 Foot Bed


At Lebanon Ford, we understand that every customer has unique requirements. That's why we offer the flexibility to customize many of our trucks to fit your business or personal needs.


As a Ford Commercial Vehicle Center, we have strong partnerships with after-market upfitters who specialize in customizing Ford trucks. Whether you need specific modifications for your business or personal preferences, we can work with you to create a truck that suits your requirements.


Contact us today to explore the available cab and bed size options, discuss customization possibilities, and find the perfect Ford truck that aligns with your specific needs.

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