When it’s time to finance your new car, many buyers assume they need to visit a bank or credit union first. But the truth is, working directly with the dealership can be faster, more flexible, and in many cases—more affordable. At Homer Skelton Ford of Millington, we partner with trusted lenders to help you get the right financing, the first time.
Here’s why dealer financing might just be the smartest choice for your next vehicle purchase.
🕒 1. Save Time with One-Stop Shopping
Why spend hours driving between banks or researching lenders online when we can handle it all in-house? At Homer Skelton Ford of Millington, our finance team works with a network of local and national lenders every day. We do the rate-shopping for you and present your best options—often within minutes.
Less time waiting. More time test driving.
💰 2. Get Access to Exclusive Offers and Incentives
Dealer financing often comes with special programs and manufacturer incentives you won’t find at your bank or credit union. That could include:
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0% APR promotional financing
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Rebates for financing through select lenders
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Loyalty bonuses for returning customers
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First-time buyer or recent graduate programs
We’ll help you stack the savings and take advantage of current offers.
🧩 3. More Flexibility, Especially for Challenging Credit
If you’re building credit or have a lower score, traditional lenders might not offer favorable terms. But at Homer Skelton Ford of Millington, we work with lenders that specialize in credit rebuilding and non-traditional financing.
Even if you’ve been turned down elsewhere, we may still be able to help. And we’ll do it confidentially, respectfully, and without judgment.
📊 4. Custom Payment Plans That Fit Your Budget
We don’t just offer financing—we tailor it to your life. Whether you want to lower your monthly payment, reduce your loan term, or put less money down, our team will structure a plan that makes sense for your financial goals.
Need help with a trade-in or down payment? We’ll show you how to maximize your equity and minimize your out-of-pocket costs.
✅ Let’s Make Financing Simple, Fast, and Friendly
At Homer Skelton Ford of Millington, we’re not just here to sell cars—we’re here to help you afford them the smart way. Let our experienced finance team guide you through every option and get you on the road faster.
Stop by our showroom in Millington or start your credit application online today. More choices, better rates, and real people who care—that’s the dealer financing difference.
David Freeman
(901) 508-3773
Homer Skelton Ford of Millington
