Duval Ford offers seamless and accessible financing solutions to suit your needs and budget, whether you’re looking to buy your first vehicle, move on from your current ride, or upgrade your business fleet. A fourth-generation family-owned company with strong ties to our surrounding communities, we’re dedicated to building enduring relationships with our customers. The Duval Real Deal is a critical component of that commitment, dictating that your satisfaction is our success. Our tenet of commission-free sales allows our team to provide attentive, personalized service free of pressure tactics and hard sells, ensuring every customer can drive away feeling content and confident.

Loan vs. Lease: Which is Right for You?

Aside from paying in full upfront, financing and leasing are your two primary choices. Which one is best suited to your individual needs depends on a few factors. Here’s a quick overview of each option.


A lease is basically an extended rental agreement, and there are a few advantages that can make it an appealing option to certain drivers. Leasing typically costs less than financing over the same time period, thanks to lower payments and less tax. The shorter contract nature also means you’re not tied down long-term, allowing you to upgrade sooner and enjoy the latest features and tech more often. A lease is always under warranty and is a great way to “try before you buy.” If you decide to keep the vehicle at the end of the lease, it’s easy to transition to a standard loan and potentially take advantage of the contract’s “residual value” stipulation. But if your needs or preferences change, you can switch to a different model. However, there are a few restrictions, including mileage limits, early termination fees, prohibited modifications, and potential excess wear and use responsibility.


While financing often entails higher payments and a longer commitment, you own the vehicle and receive the title after the final payment. You can modify or accessorize it as you see fit and sell it at any time. Plus, there are no mileage restrictions, excess wear charges, or early termination penalties.

Convenient, Affordable, and Tailored to You

Our friendly finance team has a long history of assisting shoppers of all backgrounds in securing their ideal loan or lease configuration. By leveraging our extensive network of lenders, we can simplify the rate comparison process and help you find the best deal for your situation.

If you’re a first-time car buyer and feeling tentative about the process, we’ll work with you to help you understand your options and explain the most important aspects of the loan or lease agreement in a detailed yet easy-to-digest manner. We’ll be here to guide you through the process and aid you in completing all the necessary paperwork, including proper titling, tax forms, and plate registration, in a convenient and timely manner. We also provide opportunities for drivers with limited or challenged credit histories to obtain affordable and reliable transportation and build their scores.

For experienced and savvy shoppers, Duval Ford makes it easy to get the best no-haggle pricing, quickly appraise and receive the most value for their trade-in, and complete most of the car-buying process before even setting foot in our dealership. We’re also happy to serve businesses of all sizes, helping them start, expand, and maintain their fleet with personalized contracts and dedicated account managers.

Save Time by Shopping Online

If you have a busy schedule, time is always at a premium. Duval Ford strives to be good stewards of your time with us by offering a comprehensive suite of online resources that allow you to complete almost all of the steps from wherever you have internet access. Even if you haven’t made a final decision, you can get a head start with our no-obligation credit application and estimate the value of your current vehicle or get an Instant Cash Offer to buy it.

When you’re ready to finally move forward, you can click “Calculate Your Payment” on any listing, where you’ll also be able to select value-adding service and protection plans, add applicable rebates, view taxes and fees, and lock in your deal. We’ll work through the steps with you by phone, email, or messaging so that when it’s time to come in, you can take a test drive, sign the paperwork, and be on your way in no time.

Contact Duval Ford

If you have any questions about our inventories, financing offers and options, or the online shopping process, please feel free to reach out or visit Duval Ford at your convenience. It will be our pleasure to assist you.

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