Financing Made Simple for Your New or Used crossover, SUV or truck

We know that you love Ford models, and we can understand the appeal. These models are known for their longevity and style, plus they're affordable so our South Carolina customers can make the most of their busy schedules. If you have found a model that suits your needs, or you are just beginning your quest, consider what your financing options might be.

The Options of Loan vs Lease

If you're wondering what the big difference between loan and lease is, you can rest easy! Simply put, leases are an option for drivers that don't want to commit to a Ford for a long period of time. Leases usually last between two to six years and the monthly payments are dependent upon the depreciation rate of the vehicle selected. Comparatively, loans are for Columbia drivers considering buying a vehicle - the main difference being you'll be keeping the vehicle after you've paid it off. Of course, the differences are a bit more nuanced than the above description, but South Carolina drivers can look to the Dick Smith Ford finance team to help sort through details.

Find out just how easy financing your next car can be with the help of Dick Smith Ford

While financing a car can be a trying endeavor at other dealerships around your local area these days, you'll find it refreshingly simple here at Dick Smith Ford. Feel free to fill out our online credit application to save some time, or drop by our dealership to ask our team any questions you might have.

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Contact Us

Dick Smith Ford

7201 Garners Ferry Rd
Directions Columbia, SC 29209-1436

  • Sales: (803) 254-4000
  • Service: (803) 343-5802
  • Parts: (803) 343-5803

Finance Hours

  • Monday 9:00AM - 8:00PM
  • Tuesday 9:00AM - 8:00PM
  • Wednesday 9:00AM - 8:00PM
  • Thursday 9:00AM - 8:00PM
  • Friday 9:00AM - 8:00PM
  • Saturday 9:00AM - 8:00PM
  • Sunday Closed