Financing with Our Dealership

Charlie Obaugh Ford of Waynesboro takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Should You Lease Your New Charlie Obaugh Ford of Waynesboro Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Charlie Obaugh Ford of Waynesboro can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

Welcome to Our Financing Department

Finance or Lease Your Next Vehicle with Charlie Obaugh Ford of Waynesboro

Regardless of whether you prefer a brand-new Ford model from our new inventory or a deal from our used inventory, you can count on the professional team in our finance center to help you secure the perfect payment plan to go with your new vehicle. Our team works with you, your budget, and with multiple banks throughout the greater Charlottesville, Staunton and Stuarts Draft area to find our customers the ideal loan or lease to help make their dream car a reality.

Explore All Your Finance Options in Waynesboro

Are you the type of Charlottesville driver who enjoys driving your vehicle for a long time and accessorizing it with bumper stickers or bike racks? Consider letting our team help you secure a great loan. Or, are you the type of driver who likes to get behind the wheel of a brand-new vehicle every couple of years and doesn't put too many miles on their vehicles in a year? Maybe you should consider an affordable lease for your Staunton or Stuarts Draft commute. Either way, our finance team can help you choose your perfect method for getting your next vehicle in Waynesboro.

Get the Ball Rolling on Financing Your Next Car in Waynesboro

When you're ready to drive your next car home, the experts at Charlie Obaugh Ford of Waynesboro are standing by to help demystify the process. We can answer any questions that you may have, or if you're ready to put us to work for you now, simply fill out our online credit app. That way, we can hit the ground running and you'll be one step closer to owning your next car.


Your privacy is important to us.

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.

  1. Charlie Obaugh Ford of Waynesboro

    2401 West Main St
    Waynesboro, VA 22980-1611

    • Sales: 540-932-3200
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Get in Touch

  • Contact our Sales Department at: 540-932-3200
  • Monday8:30AM - 6:00PM
  • Tuesday8:30AM - 6:00PM
  • Wednesday8:30AM - 6:00PM
  • Thursday8:30AM - 6:00PM
  • Friday8:30AM - 6:00PM
  • Saturday9:00AM - 5:00PM
  • SundayClosed