Finance Center in Lake Orion, MI, at Skalnek Ford

Why Do Drivers from Auburn Hills, Oxford, Clarkston, Lapeer, Waterford and Rochester Trust Skalnek Ford with Their Financing Needs?

Here at Skalnek Ford, we understand that finding the best auto financing details can be of large concern to many of our clients. Luckily, our team of experts are top-notch at finding the best financial options for drivers, so that they can worry about the more exciting parts of buying or leasing a new vehicle from the award winning Ford line-up. Of course, if you're in the market for a used car, we're available to crunch numbers for that as well.

In short, we're committed to finding you the best deal available.To get started finding your best financial options, simply fill out our easy-to-use contact form. It's a stress-free way to get the process rolling. However, if you prefer to speak to us in person, we relish the opportunity to meet you. Visit us anytime during standard business hours here in Lake Orion, or simply give us a call at (248) 693-6241. We look forward to meeting you.

What is Credit?

Should I Buy or Should I Lease?

Can I Afford A Vehicle?


What is Credit?

  • Credit is used to buy things with money you don't physically have, which is then paid back at a later time with interest
  • Credit reports are administered by Credit Bureaus, which provide detailed information about your credit history. They establish information such as do you pay your bills on time? Credit Bureaus use this information to calculate a score that lenders use to determine if you're a safe investment
  • Credit scores range from 300-850, with 850 being the best score. The closer you are to 850, the more attractive a candidate you are to get a loan
  • How do you build your credit score? By paying your bills on time and budgeting appropriately

Should I Buy or Lease?

Buying a car occurs when you purchase and own a vehicle, while leasing occurs when you use a car for a determined period and under a certain mile limit. At the end of your lease, you can return your car and either purchase it, or get a brand new lease. With a lease your car's unexpected maintenance is covered through warranty, but you are ultimately responsible for keeping it in good condition. If you don't, you could be subject to fees at the end of your lease.

Creating a Budget: Can I Afford a Car?

Can I afford a car? Many car buyers worry about this question but the answer is ultimately yes. You just need to budget appropriately.

  • To budget appropriately, divide your base income into manageable chucks, administered to set expenses, such as rent, utilities, debt, and groceries
  • After you have budgeted out all your essential needs, what's leftover can be utilized to fund a car
  • Make sure you set money aside not only for payments, but for other expenses such as maintenance, gas, and insurance among other potential car expenses
Have more questions about vehicle contracts? Click here for more info on contracts and how they work.

Ready to take the next step, and save yourself time at the dealership? Fill-out a finance application today and see what you are pre-approved for!


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Our Dealership takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy. 

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Skalnek Ford

941 South Lapeer
Directions Lake Orion, MI 48362

  • Sales: (877) 725-7110
  • Service: (248) 841-8801
  • Parts: (877) 561-0805
  • Front Desk: (248) 693-6241

Finance Hours

  • Monday 8:00AM - 8:00PM
  • Tuesday 8:00AM - 6:00PM
  • Wednesday 8:00AM - 6:00PM
  • Thursday 8:00AM - 8:00PM
  • Friday 8:00AM - 6:00PM
  • Saturday 10:00AM - 3:00PM
  • Sunday Closed
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