Bill Penney Ford welcomes you to our comprehensive finance guide! This is the place to be in order to get an overview of how we can handle financing your next purchase.

We find that our loyal customers near Jasper, Fayette, and Cullman, AL, always come back to us thanks to our straightforward process. To learn more about this process, keep reading below.

Choosing Between Buying vs Leasing

First and foremost, you'll need to be clear on how to attain your vehicle. In simple terms, this means choosing between buying and leasing. Generally, leasing is great for those who are looking for a short-term commitment.

Financing is far more common since drivers are working towards ownership by the end of their payments. If you're curious to learn more about the benefits of each option, read our 'Buying vs. Leasing' resource.

Knowing Your Credit Score

Your credit score is important throughout your financial journey. Your score can determine your options for payment. For that reason, it may benefit some drivers to know their credit score ahead of time. Our website happens to offer its own 'Credit Estimator.'

This tool can instantly generate your score based on the information you provide. Some of this info includes your zip code, address, and make/model/condition of the vehicle you're looking to purchase.

In a few clicks, you can receive a credit estimate, so you can stay one step ahead before sitting down with our financiers. We encourage drivers of all different credit backgrounds to try this tool out!

Knowing Your Budget

Like your credit score, knowing your budget is important to every shopper. No matter what number you land on, we try to have something for everyone.

For those who are looking for the latest and greatest, we have plenty of new Ford models to choose from. If you've decided you're the perfect match for one of our used models, we have a similarly wide selection of used Ford vehicles.

In fact, we often have a variety of used Ford specials available.

No matter what your budget is, there's always the benefit of trading in your current vehicle. Use our 'Value Your Trade' tool to see how much credit can be put towards your next vehicle.

Getting Approved

To get the conversation started, we encourage drivers to fill out our online 'Credit Application.' This tool redirects to a free and fast form that allows us to get a better idea of your finances. Once we know some basic info about you, like your employment status, the vehicle you're purchasing, trade-in amount, and so on, we will work to get you the best rates possible.

Once you submit the application, we'll be in contact with you shortly to further discuss your options.

Follow Our Car Finance Guide Today!

Allow our finance department to be your guide when financing your next vehicle at Bill Penney Ford. Not only are we experts at cars, but we also know how to create your ideal payment plan.

If you're a driver near Jasper, Fayette, and Cullman, Alabama, reach out today!

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Bill Penney Ford

4100 Hwy 78 E
Directions Jasper, AL 35501

  • Sales: 205-384-4400
  • Service: 205-384-4400
  • Parts: 205-384-4400


  • Monday 8:30AM-7:30PM
  • Tuesday 8:30AM-7:30PM
  • Wednesday 8:30AM-7:30PM
  • Thursday 8:30AM-7:30PM
  • Friday 8:30AM-7:30PM
  • Saturday 9:00AM-7:30PM
  • Sunday Closed