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Welcome to Clement Ford

Home of the 30 Year, 300k Mile Warranty

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The Clement Promise

Your Satisfaction Guaranteed.

- To respect your time
- To never take advantage of you
- To provide a friendly welcoming experience
- To do eveything possible to help you
- To honor any and all promises made
- To keep everything simple, honest, and accurate
- To consistently show you kindness and respect
- To make doing business with us enjoyable
- To keep you coming back.

This is OUR PROMISE to you today and EVERY DAY!

Selling or Trading In?

In terms of splitting away from the other dealerships found here in O'Fallon, Clement Ford earns the top spot as the only dealership that puts you at the top of the list. To prove this idea, you need to look no further than the way the people who take care of trade-ins at Clement Ford carry themselves during the vehicle trade-in inspection process.

Should you trade your car here at Clement Ford, you can utilize the following perks and assurances:

- Take Advantage of the Highest-Quality Staff in Town
- An Ironclad Top Value Guarantee
- Say So Long to Pressure, Stress, and Obligations

While maintaining these top-tier principles is far from simple or easy, our staff would never do business any other way. Your happiness is our leading concern, so we have no problem going above and beyond in the pursuit of these elevated criteria.

Sell/Trade Now

Finding Your Affordable Used Car or Exciting New Ford Has Never Been Easier in O'Fallon MO

Spotlight of ford models for sale here at Clement Ford

Welcome to Clement Ford, your home for a friendly car buying experience that is fast, convenient, and always free of stress. Whether you are looking to upgrade into one of the hottest new Ford trucks or sport utility vehicles (SUVs) found on the streets of O'Fallon or a clean, budget-friendly used car is more your speed, the story never changes: Clement Ford is your home for great prices, great selection, and great service.

Ready to see for yourself why so many shop exclusively at Clement Ford? Then follow along as we break down all of the benefits that come with honoring our team of knowledgeable experts with your business. Once you do, we know it will not be long before you find yourself perusing all of the great vehicles on our lot and driving home in the car, truck, or SUV of your dreams.

Amazing Selection That Surely Has What You Are Looking For

The first question that is surely on your mind is probably some variant of whether or not we have what you are looking for out of your next automotive purchase. Fortunately, with access to several hundred new and used cars, trucks, and SUVs from both Ford and other automakers, the answer to this question is clearly yes!

The only thing better than this ample selection of quality vehicles? How about that fact that we maintain the lowest prices possible on each and every one of these automobiles. Your budget matters, so we do everything we can to keep your wallet or purse happy and healthy as you navigate through this exciting – and important – decision. Keeping prices at rock-bottom rates also ensures that you can shop with confidence knowing that the lowest prices in O'Fallon are always ready and waiting for you at our used car lot and on our showroom floor.

Friendly Service That Always Comes with a Smile

Going above and beyond for our friends in O'Fallon really is just second nature for the Clement Ford team. After all, as fellow lifelong members of the local community, treating your with respect and kindness (as well as always valuing your time during this major decision) is really just our way of saying thank you and doing the best we can to be great neighbors – both now and long into the future.

The above commitment to your satisfaction extends all the way to the financing process as well. We want to make getting the right loan for your unique situation as stress-free and convenient as possible, so we do all of the heavy lifting for you. While our team gets to work exploring all of the loan options available to you, you can kick back and relax knowing that our years of experience with lenders, banks, credit unions, and other financial institutions is always at your disposal, completely free of charge. It really is that easy to get a great loan when you shop at Clement Ford.

Guaranteeing Your Satisfaction for Years to Come

Now that you understand why so many consider themselves Clement Ford customers for life, it is time to stop in for yourself and give us a chance to earn your business today, tomorrow, and long into the future. To get the ball rolling on this exciting process, go ahead and give us a call at 636-978-3673 when you have an extra minute or two to chat.

From here, one of our friendly and helpful associates will help you map out the perfect path that leads directly to driving home in your dream car (be it a bold new Ford or an affordable pre-owned vehicle) in a hurry, all with a great loan and low price in tow. Thanks again for stopping by to learn a little more about the Clement Ford difference, and we look forward to helping you forge a brighter automotive future soon!

Financing - The Way It Should Be

First up is the big question on everyone's mind: "Am I eligible for financing from Clement Ford?" The short answer: Of course! Our team of automotive financing experts is more than happy to work with shoppers here in town who come from all types of financial backgrounds.

Get Pre-Qualified

Dealership FAQ's
Dealership FAQ's

Does Clement Ford have a variety of Cars from new to used?

Absolutely. Clement Ford offers great low prices on new and used cars. Simply browse our expansive online inventory and you’ll see why Clement Ford is the first name so many people turn to when the time comes to finding and purchasing a new vehicle.

Why should I buy a used car from Clement Ford?

For some, the allure of shopping with us comes from our outstanding selection of quality pre-owned cars and our affordable pricing that always puts your budget first. For others, it’s our respectful team and a shopping environment that places a priority on your comfort.

When paired with our plethora of positive customer reviews, the above benefits of buying a used car from Clement Ford make one thing readily apparent: You will always find the most enjoyable and budget-friendly used car shopping experience in O'Fallon at our friendly and clean pre-owned lot.

Does Clement Ford offer used car specials?

Yes. Check out the latest deals on our used car specials page and see for yourself just how much we can save you on the stellar pre-owned car, truck, or SUV you've always wanted.

Am I really getting the best price at Clement Ford?

Absolutely. Whether you are celebrating a recent graduation, new job or you have a new baby on board, one thing always remains the same: We have the most fantastic prices in O'Fallon on quality new and used cars, trucks and SUVs. Our team takes an extreme amount of pride in delivering this massive amount of value directly to you during whichever major life event brings you to our showroom floor, so you can shop with confidence knowing that you really are getting the best price possible on the vehicle that piques your interest.

Does Clement Ford sell used cars?

Yes. Buying a clean, affordable used car on our lot at a great price is easy. Simply browse our expansive online inventory and you'll see why Clement Ford is the first name so many turn to in O'Fallon when the time comes to cap off whichever exciting life event has led you to park an exhilarating pre-owned car, truck, or SUV in your driveway or garage.

How do I pick the right used car to buy at Clement Ford?

It's easy with Clement Ford on your side. We have helped plenty of used car buyers with this exciting process over the years, and the best place to start is by considering the particulars of your unique situation. What does your budget look like? Are you interested in the utility of a pickup, the ample legroom of an SUV, or the eco-friendly gas mileage of a compact car or sedan to help lower the cost of fuel that comes with your daily commute? Once you have spent some time pondering these questions, browse our expansive online inventory or call 636-978-3673. From here, we will be more than happy to assist you in exploring all of your options and help ensure that you drive away from our used car lot with a smile on your face and in a pre-owned vehicle that suits you perfectly.

Is every vehicle on the Clement Ford website for sale?

Yes. If you see a vehicle listed on our website, that means it has already passed our quality inspection process and is ready and waiting to impress you when you come in to take it for a test drive.

Will Clement Ford pressure me into buying a car I'm not sure about?

No. Your comfort and satisfaction are our primary focus, so you can shop with confidence knowing that you are in complete control of this process from start to finish. Our sales team has a sterling reputation based on our commitment to always doing right by local car shoppers, which is why so many individuals in O'Fallon proudly consider themselves customers for life.

What if Clement Ford doesn't have the used car I want?

We are dedicated to sourcing quality used vehicles for all of our customers, so let us know what you are in the market for and we'll get to work immediately on finding your preferred pre-owned vehicle via our expansive dealer resource network. Simply fill out our handy used car locator tool today and you'll soon find yourself scheduling an appointment to test drive your dream used car, truck, or SUV.

Can I compare used cars for sale at Clement Ford?

Yes, and it only takes a couple of clicks to leverage the power of our useful, complimentary comparison tool. For each vehicle you would like to compare side-by-side, click the button labeled "Compare" on the vehicle details page, or the comparison arrows icon for the associated vehicle on the list page you are currently viewing.

Once you are done selecting all of the vehicles you want to review, click the "My Compared Vehicles" button located in the toolbar at the top of every page on our site and then the option labeled "View Compared Vehicles". After doing this, you'll find yourself on a custom, private page generated exclusively for you that breaks down every spec, feature, and detail related to the assorted vehicles that appeal to you.

How do I know Clement Ford used cars for sale are reliable?

Savvy car buyers like yourself ask this question often. To put your mind at ease, all incoming used cars undergo an inspection process that ensures these vehicles exceed our lofty specifications. Holding our inventory to the highest standards possible guarantees that you can enjoy an unparalleled amount of peace of mind as you pair up the perfect vehicle with the major life event (celebrating a new job, commemorating a recent college graduation, etc.) that brings you through our front doors.

What is the difference between pre-owned and certified pre-owned (CPO)?

Great question. A certified pre-owned (CPO) vehicle is a used car, truck, or SUV that comes loaded with a warranty backed by the manufacturer, in addition to other premium services, like 24/7 roadside assistance. To earn this designation, the CPO vehicle must have less than a set limit of miles traveled (usually 60,000 to 80,000) and pass an in-depth multipoint inspection. As for used cars at Clement Ford, these offerings also undergo a inspection process to guarantee superb quality, in addition to providing you with access to the remainder of the factory warranty (if applicable) in terms of extended coverage.

Can I schedule a test drive at Clement Ford?

Yes, and it only takes a moment to schedule an appointment. Call 636-978-3673 and we will get you on the books for a complimentary test drive of whichever vehicles interest you. We will guide you through the car buying process every step of the way.

Do I really need to test drive a vehicle before I buy it?

We highly recommend taking advantage of this service. Feeling good about buying a quality used car, truck or SUV that will last you long into the future requires being comfortable with your preferred vehicle. Our expert transportation consultants are happy to schedule a quick test drive so that you can proceed with confidence when the time comes to finalize this major decision.

When is the best time to shop at Clement Ford?

Whenever works best for you during our normal operating hours. A friendly and helpful automotive expert is always waiting to help you in the hunt for the right used vehicle for your daily routine, so stop by at a time that is convenient for you or give us a call at 636-978-3673 to schedule an appointment. Either way, you'll find that shopping at Clement Ford is always a pleasant and convenient experience.

Will Clement Ford deliver the vehicle I purchase?

Our team is always looking for new and exciting ways to provide even more value to our customers, so we would love to work with you and see if we can accommodate this request. We are always ready and waiting to go over important details regarding this process (including your proximity to our O'Fallon location, preferred delivery date, and vehicle weight), so call 636-978-3673 today and we will work hard on your behalf to find the best possible way to fulfill your desired vehicle delivery.

Can I see a vehicle history report?

Yes. Transparency is a cornerstone of our car buying experience, so our friendly sales team is pleased to provide you with an accurate and up-to-date vehicle history report covering every vehicle that piques your interest in our inventory. Each used car sold on our lot adheres to a strict commitment to quality and reliability, so shop with confidence knowing that a complimentary, comprehensive vehicle history report that confirms this sterling standard is always ready and waiting for you at Clement Ford.

What if I am not happy with the car I purchased from Clement Ford?

We are committed to your satisfaction throughout each phase of the car buying process — even after you sign on the dotted line. Our team is only a quick phone call away, and we will do everything in our power to allay any concerns you might have regarding your recently purchased used car, truck, or SUV. This way, you can keep your focus on riding around O'Fallon in style and enjoy all of the benefits that come with upgrading your daily drive via our ample selection of premium pre-owned vehicles.

Does Clement Ford sell new Ford vehicles?

Yes, we proudly offer the latest exciting, feature-rich vehicles straight from Ford. As soon as you pick out your dream Ford vehicle, you can count on our friendly and helpful team to have it in stock and at a price point that works in harmony with your budget. If you're a new Ford shopper in O'Fallon, there is plenty to love about this ideal blend of outstanding selection, premium service, and impressive affordability.

Why should I buy a new Ford vehicle?

Buying a new Ford from us is the easiest and most convenient way to get the biggest bang for your buck when upgrading into an exciting new vehicle. Known for their reliability, performance, and affordability, Ford vehicles are the cream of the crop in the automotive world and sure to turn heads here in O'Fallon.

Owning one of these fine automobiles is also the ultimate opportunity to save a ton of money and enjoy the peace of mind that comes with parking a premium vehicle in your garage. If you're in the market for a major automotive upgrade to your daily routine, what could possibly be better than this win-win scenario?

Do new Ford vehicles come with a warranty?

Yes. Ford wants you to be more than satisfied long after you roll off of our lot in your stunning new car, which is why each and every award-winning new Ford we sell comes with a plethora of protections via a copious warranty program. For more information about the outstanding safeguards that come with a bold new Ford fresh off of the factory floor, call 636-978-3673 today and we will fill you in on all of the impressive details regarding the Ford warranty program.

Can Ford work with me on the price of a new Ford vehicle?

Yes. Getting you behind the wheel of the Ford vehicle you want is our favorite thing to do. Every shopper comes from a unique financial background, so we are always flexible on pricing. All you have to do is let us work our magic to find you a happy solution regarding pricing and we are confident that you'll soon see why so many have found the financing they need to drive home in their dream Ford vehicle with us. It's easy, convenient, and happens in a hurry with Clement Ford on your side.

What are the benefits of buying new versus buying used at Clement Ford?

This is a great question that we're often asked by savvy shoppers who do their homework before signing on the dotted line. Clement Ford has years of experience spotlighting the advantages related to these two choices, so here's a quick overview that will ensure you get the most out of this exciting — and important — process.

Buying a new car is a great idea if:

  • You want the latest and greatest in terms of safety technology.
  • Cutting-edge infotainment and connectivity with your smart devices is a top priority.
  • You would like the peace of mind that comes with being protected by a new car warranty from Ford.
  • You want easier access to financing.
  • You insist on driving a car with the cleanest history possible.
  • You want to take advantage of new car incentives directly from Ford.

Buying used is the right call for you if:

  • The budget-friendly nature of Clement Ford affordable used car inventory appeals to you.
  • You want to get more bang for your buck by upgrading into a gently used premium pre-owned vehicle.
  • Lower car insurance rates appeal to you.
  • You want to save money as the cost of registering your used car goes down with each passing year.
  • You understand that reliability always has top billing with our used inventory thanks to our in-depth vehicle inspection process.
  • You have your sights set on a used non-Ford vehicle and want to take advantage of our outstanding pre-owned prices.
Why choose Clement Ford over the competition in O'Fallon, MO?

Because you want the best selection of reliable vehicles that come with amazing features in O'Fallon. You want to take advantage of customer-first, affordable pricing. Because leaning on the assistance of friendly professionals who can cater to your unique situation and help guide you through the search for the right vehicle is an invaluable asset to have on your side during this major moment in your life.

Simply put, because you — like other discerning shoppers — deserve to enjoy all of the benefits that come with shopping at the most trustworthy dealership in O'Fallon.

Why should I buy from Clement Ford?

Buying a car from us is all about maximizing your return on this major life moment. Thanks to our expansive selection of reliable and alluring vehicles, friendly sales professionals that always put your needs first and the most budget-friendly prices around, we've crafted a shopping environment that makes finding the right car for you simple and straightforward. Are you ready to join our growing family of happy customers and reap all the rewards that come with shopping at Clement Ford?

What are Clement Ford hours?

Clement Ford most current hours of operation can always be found on our handy contact page. While these business hours are subject to change based on seasonal and holiday considerations, our goal is to always make serving your needs as convenient as possible by being open for business across a wide range of times and dates.

Is Clement Ford open on Sundays?

No. Clement Ford is not currently open on Sundays.

Where is Clement Ford located?

Located right here in O'Fallon, we are always just a few minutes away and ready to help you upgrade your daily commute. To make planning out a quick trip to our showroom floor even easier, you can find our address for your GPS down below.

1075 W Terra Ln • O'Fallon, MO 63366

What kind of loan rates does Clement Ford offer?

Clement Ford is committed to offering you the most competitive financing rates possible in O'Fallon. How do we do this? By working with lots of lending institutions and being flexible regarding your credit history, loan terms, and past financial hardships or considerations, we are able to provide access to impressively low rates that put you behind the wheel of your dream car and still keep your bank account happy along the way.

Want to learn more about your specific loan rate? It's easy when you call 636-978-3673 today.

Can I finance my taxes, registration, and other fees?

Yes. Nearly all car loans may include the taxes, registration fees, and other similar expenses. This is a great way for savvy shoppers to reduce the upfront expenditure associated with taking out a loan, buying a car, and registering it. Let us know that you wish to explore this option when discussing the terms of your loan or when you stop by to sign on the dotted line and we will help you determine the best course of action for your unique situation.

Can I include the cost of service contracts, GAP insurance, accessories, and other vehicle related items in the total amount that I finance?

Yes. We know that being flexible and letting you pay for any additional add-on services and items over time goes a long way toward making the process of purchasing a vehicle more convenient and relaxed for everyone.

If you would like to take advantage of these optional upgrades when financing your next car, truck, or SUV with us, let our team know when you stop by our O'Fallon location and we will be more than happy to help you spread out the cost of these options over the course of your loan.

Can I get financed with no money down?

Yes. Clement Ford offers access to this special approach to financing to qualified buyers. Let us know you want to consider this option when the time comes to apply for a great loan and we will help you quickly and easily determine if this no money down arrangement is for you.

Can I get financed if I don't have good credit?

Easily. We help people from all walks of life get financed all the time, so let us do what we do best and aid you in picking out the ideal loan from one of our many lending partners. If you do, we will have you heading home shortly in a quality used car from our expansive inventory that is sure to impress when it is parked in your driveway.

Can Clement Ford help me get a loan if I have no credit history?

Yes. Connecting newer shoppers with the loan they need to purchase a great used vehicle is one of the many specialities of our finance team. Call 636-978-3673 today and we will be more than happy to lay out precisely how our winning approach to making automotive financing easy and simple is the perfect fit for your unique credit history.

Can Clement Ford help me with financing if I have a bankruptcy in my past?

Good question. We love helping customers in this situation secure the financing they need to upgrade into a reliable and affordable used car. Thanks to our quick and easy loan application process, all it takes is a few minutes to find the right loan for you and have you walking out of our front doors with your head held high, a smile on your face, and the keys to an outstanding car in your hands.

Can Clement Ford help me get financed if I am disabled or on Social Security?

Yes. Getting approved for the right loan as a person receiving disability and Social Security disbursements is a piece of cake with our helpful finance experts on your side. Many lending institutions consider these payments as sources of income when determining the type of loan you qualify for and the loan's total value — a crucial fact that greatly improves your ability to be approved for financing. With this realization on your side, you can kick back and focus on the most exciting part of this fun process: Finding the perfect car for you and your family.

Can I get approved for a loan if I am self-employed?

Getting approved for a loan as a self-employed tax payer in O'Fallon is easy. Income verification will be the key to your success if you are self-employed.

Our lenders will review documents that verify your income and you’ll find that getting approved for financing is simple and convenient just like everything else that goes into the car buying process.

Can Clement Ford help me obtain financing if I recently changed jobs?

Yes. Starting a new job is an exciting time, so let us help make this big moment even sweeter by connecting you with the right loan on your next vehicle. Your employment status is one of the many factors that goes into the loan approval process. If you recently upgraded to a better position at a new company, come in and apply with confidence knowing that our financing team and lenders are more than prepared to help you secure a great loan at the lowest interest rate possible.

Can Clement Ford finance my loan if I am a first-time buyer?

Helping guide first-time car buyers through this important — and exciting — event is one of our specialties. Let our trustworthy and friendly team take the lead on this for you and you will soon see why so many first-time buyers in O'Fallon lean on us when the time comes to finance an affordable and reliable used car at a budget-friendly rate.

What if I owe more than my car is worth?

Commonly called under water, upside down, in an inequity position, or buried, our finance team has many years of experience assisting countless shoppers in this situation. It starts with a fair Clement Ford offer to buy your trade-in. This goes a long way toward recouping the lost value that your current vehicle has lost.

We also have the flexibility to easily arrange an affordable loan for you that will cover the remaining inequity of your previous vehicle. This way you can drive home in style in the car or truck that really catches your eye.

Do I have to have a job to get financed at Clement Ford?

Being employed is only one of a host of factors that go into the financing process, so come in today and let our team of experts do what they do best and work hard to secure you the perfect loan for your unique situation. Plenty of other happy customers coming from a similar financial background have already walked through our front doors and walked right back out with the keys to the used car, truck, or SUV they covet, so call 636-978-3673 when you have a few spare minutes to jumpstart this exciting process.

Can Clement Ford give me a quote on my trade-in vehicle's value?

Yes. Securing access to the most seller-friendly offers on trade-in vehicles in O'Fallon happens by calling 636-978-3673 for a quick phone chat. Once you give us a ring, a member of our team will guide you through the simple steps in this easy and convenient process.

For shoppers who prefer to keep things digital, check out our friendly trade appraisal tool for instant access to both a quote on your trade-in vehicle and the insight of our team of trained finance specialists. As always, this service is presented as a courtesy, so take advantage of the best online vehicle trade-in program in O'Fallon today.

How does Clement Ford determine my vehicle's trade-in value?

With the utmost care and consideration. Ensuring you receive the maximum value possible on your trade-in is our goal, so we make it a point to provide the most customer-friendly trade-in experience imaginable. We are also more than happy to offer up a friendly and fair quote on any vehicle you are interested in trading in toward your next exciting automotive purchase.

This commitment to going above and beyond is why local car buyers shop with confidence at Clement Ford To get the ball rolling on an amazing trade-in quote from one of our experts, visit our friendly trade appraisal today.

Can I sell you my used car even if I don't purchase a vehicle from Clement Ford?

Yes. We are always ready and willing to assist you in the process of elevating your time spent on O'Fallon roads — even if that means simply purchasing your vehicle at a fantastic price point. This flexibility has helped countless other drivers get the most in return for their older cars, so let us make you an outstanding offer today.

How do I know if I am pre-approved for a loan at Clement Ford?

Finding out if you qualify for loan pre-approval is fast and easy. Use our quick pre-approval tool that has no impact on your credit score.

Do I have to get financed for a loan via Clement Ford?

If you prefer to work with your personal bank or another lender, we understand completely and are still more than happy to help you pick out the perfect car, truck, or SUV. Before you make your final decision, we do suggest that you connect with our friendly financing team to learn more about our outstanding car loan options. Plenty of car shoppers are pleasantly surprised when they learn that we can connect them with impressively low interest rates thanks to our expansive connections with premium lenders.

Why should I get financed at Clement Ford?

The short answer? It's easy, convenient, and often the most affordable option for discerning car buyers here in O'Fallon Outside of this, there are also plenty of other reasons to let us help you acquire the financing you need. By employing a swift process that keeps your interest rate and fees extra low as we work hard to uncover the best loan terms for you, our team also makes it a point to keep you in control from start to finish.

If you ever want more info regarding our inimitable financing experience, that is completely okay. Transparency is key to trust, so we are always more than happy to break everything down that goes into this process for our customers.

How much should my down payment be?

Conventional wisdom suggests that putting down 20 percent of the total cost of the car at signing is a smart idea, and a recent study conducted by Edmunds reports that the average down payment on a car loan generally hovers around 11 to 12 percent.

Your unique financial situation may require something other than these "golden rules," and that is always fine by us. Our team is happy to help you figure out which type of down payment is best for you, and even work with you to explore options that require no money down at signing if you are interested in keeping your upfront cost as low as possible.

What is gap insurance?

Gap insurance is an optional form of protection that provides coverage for the remainder of your auto loan should an accident or collision total your vehicle. Gap insurance also often kicks in to safeguard you in response to vehicle theft and helps you pay off your loan if you owe more than the depreciated value of your vehicle.

Do I really need gap insurance?

Gap insurance is a great asset to have on your side if you:

  • Made a small down payment, or opted for the convenience of a loan with no down payment.
  • Selected a loan term with a 48-month or longer duration.
  • Plan on putting more mileage on your vehicle than the average driver in O'Fallon.
  • Would like the peace of mind that comes with complete protection.
Do I need a co-signer?

Having a co-signer can make getting approved for a loan even easier based on your credit score, income, and financial history. To determine if this option is the best fit for you, let our team of experts leverage their years of experience to provide a helping hand as you consider all of the financing options.

Do I need an appointment to meet with an automotive financing specialist at Clement Ford?

Walk-in customers are always welcome and our front doors are always open, so come in and sit down for a chat regarding your car loan financing options whenever works best for you. If you prefer, you can also call ahead and schedule an appointment with a friendly financing team member. Doing so streamlines this already convenient process even more and lets you really focus on the fun and excitement surrounding your next vehicle purchase.

Will I be at the dealership all day signing paperwork to get my loan?

We make completing your financing paperwork as quick as possible. Our goal is to have you behind the wheel of your dream car as soon as possible. You can count on us to have everything you need ready and waiting when you come in to pick up your exciting new vehicle.

What does "LTV" stand for?

The loan-to-value (LTV) ratio is a tool used by lenders to represent the amount of money owed on your loan relative to the value of your vehicle. For example, if you currently have a loan for $15,000 on a vehicle that is worth $16,000, your LTV is 94%.

If you owe more than your current vehicle is worth, your LTV will be negative. Clement Ford has plenty of experience assisting car shoppers in this exact situation as they upgrade their daily driver, so let our finance team help you today.

What does "PTI" stand for?

The payment-to-income (PTI) ratio is a percentage that describes your car payment in relation to your pre-tax income. As an example, if your monthly car payment is $400 and your gross monthly income is $3,500, then your PTI is 11%. Lenders usually look for a PTI that sits at around 15% when considering how large to make a loan, but this is just one of a host of factors that go into the process of securing the best financing arrangement for your unique needs.

What does "DTI" stand for?

The debt-to-income (DTI) ratio represents all of your monthly debt divided by your monthly income. Credit card payments, mortgage payments, and other recurring expenses are factored into this metric, which most lenders suggest keeping at or below 50%.

What does "POI" stand for?

"POI" stands for proof of income and is a metric that helps our associated lenders verify your stated income during the loan application process. Some common examples of proof of income include:

  • Pay stubs
  • Bank statements
  • Last year's federal tax return
  • Form W-2
What does "POR" stand for?

"POR" stands for proof of residency and is a tool that aids our stable of high-quality lenders confirm your residency during the car loan application process. Some common examples of proof of residency include:

  • Vehicle registration or title
  • Voter registration card
  • Utility or telephone bill
  • Selective Service card
  • Checking or savings account statement
What does "APR" stand for?

"APR" stands for the annual percentage rate of your car loan. This yearly rate is what you'll pay in interest on the amount you borrowed initially, and can either be fixed (unchanging for the duration of your loan term) or variable (may change over the life of the loan).

What does "ACV" stand for?

"ACV" stands for the actual cash value. This is typically used to describe the amount of money a car will sell for right now through the large auction networks. This is the amount that we can expect to recoup should we choose to sell your car at auction right away.

Can I see the full purchase agreement before I agree to buy a car from Clement Ford?

Yes. Transparency is a top priority for our team, so feel free to ask to see the full purchase agreement at any point during the car buying process. If you have any questions regarding specific inclusions within this agreement, let us know right away and the friendly and knowledgeable sales representative working with you will be more than happy to review and explain every included item.

Can I lease a new Ford at Clement Ford?

Yes. Leasing a new car at Clement Ford is all about having your cake and eating it too. We are proud to pair up an impressive selection of head-turning Ford vehicles with a leasing program that makes upgrading your daily commute a breeze. Simply stop by our showroom floor today or shop online and call 636-978-3673 whenever works best for you. From here, we will get you behind the wheel of the Ford vehicle you've been dreaming about in a flash, all at a low monthly price that keeps your budget looking great.

What is a new car lease and how does leasing a vehicle at Clement Ford work?

A new car lease gives you the opportunity to take to the streets of O'Fallon in an alluring and feature-rich new Ford at a cost that is often significantly lower than traditional monthly car payments. As part of this program, you'll enjoy all of the perks that come with owning your favorite Ford for a predetermined term length of time and/or number of miles traveled.

When this term reaches completion, you'll also have the flexibility to purchase this vehicle at a great price if you decide that you want to keep it. Otherwise, we can help you renew your current lease or choose a new lease featuring one of the latest exciting Ford vehicles displayed on our showroom floor. The choice is always yours.

What is the difference between leasing and financing?

Financing a car places complete control in your hands for as long as you own your vehicle, while leasing is a temporary ownership arrangement that still lets you take advantage of all of the benefits that come with parking one of these premium vehicles in your garage. Additionally, leasing also equips you with the flexibility to regularly upgrade into one of the hottest new Ford models every few years. To determine which option works best for you, connect with us today and we will help make this decision easy by reviewing how each choice fits into your unique automotive situation.

Should I buy or lease a vehicle in O'Fallon?

This depends entirely on your unique needs and financial considerations. To help make the big choice between buying or leasing a vehicle easy and fun, here's an overview of the host of benefits that come with each option.

You should lease an exciting new Ford vehicle from us if:

  • You love the idea of upgrading into the hottest new Ford on our showroom floor every few years.
  • You only need a car for a short time and would rather skip financing another long-term asset.
  • You are looking for a lower out-of-pocket cost at signing.
  • You prefer lower monthly payments.

You should buy one of the latest bold new Ford vehicles from us if:

  • You love the idea of owning the vehicle you drive.
  • You want the freedom to sell your vehicle whenever you want.
  • You want to keep your insurance costs as low as possible.
  • You believe you will drive more than the amount offered via a lease's associated mileage cap.

Need more help determining which option is right for you? Call 636-978-3673 to tap into the insight of our experts and we'll help you make a smart decision regarding whether to finance or lease a stunning new Ford.

How does leasing differ from owning a vehicle?

As far as your day-to-day experience goes, buying a vehicle from us or leasing one of our outstanding Ford offerings is exactly the same. Both options let you ride around in the stylish Ford of your choice while enjoying all of its premium features, and we'll still be here to provide you with the best customer service and support in O'Fallon when the time comes to bring your vehicle in for service and routine maintenance.

The only real changes come from a big picture perspective. Financing a new Ford gives you complete ownership of your chosen vehicle immediately, while leasing your vehicle comes with a fixed term of possession. At the end of this period, you can either upgrade into another exciting new Ford featuring all of the latest tech and creature comforts or purchase your current vehicle at an exceptionally affordable buyout price if you've simply fallen in love with your daily driver.

Does Clement Ford rent cars?

Yes. We have an impressive selection of rental vehicles ready and waiting for you. Call 636-978-3673 today and we'll quickly and easily reserve the perfect vehicle for your rental needs. By making this process so convenient, we've ensured that you can spend more time focusing on the fun stuff — like planning an adventure here in O'Fallon or going over the details of your next big trip outside of city limits.

Why should I rent a car at Clement Ford ?

Because we provide you with access to an ample selection of outstanding rental vehicles, all at the lowest rates possible. After picking out the perfect rental vehicle, our friendly and knowledgeable team of rental experts and our commitment to flexible scheduling and service also ensures that picking your car up and dropping it off on the return date is always extra convenient. Whether you are only in town for a few days on business, picking up a rental for a night out with that special somebody, or preparing for some other big event, it is safe to say that renting with us is always your best bet.

What do I need to rent a vehicle from Clement Ford?

Renting a vehicle from Clement Ford is a breeze. All we need to get this process started are a few things, which include:

  • Valid driver's license
  • Major credit or bank card issued to the prospective renter
  • Valid, unexpired insurance that is transferable to a rental vehicle (proof of insurance required)

Call 636-978-3673, once you have these items together and we will have you sorted out and scheduled to come in and pick up your rental vehicle right away.

What if I don't have full insurance coverage that transfers to a rental vehicle?

This is a question that pops up quite often, and we want you to know that you always have options. Depending on your unique rental situation, a Collision Damage Waiver (CDW) may be available to supplement full, transferable insurance coverage. To find out if this option is available and to rent one of our outstanding vehicles at an ultra-low price, call 636-978-3673 and a member of our rental team will help you learn even more about how a CDW can help you secure a great rental vehicle for your trip.

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