We are looking for Full Time and Part Time Lube Technicians and Gas/Diesel Technicians. Email your resume to Troy Groft - troy.groft@genelatta.com.

Financing

Understanding Credit

An Important Number

Your credit score is a three-digit number credit bureaus develop by evaluating the information on your credit file. Along with your credit history, it has an impact on whether or not you are approved for a mortgage, car loan or credit card and what interest rate you'll pay.

Lending Industry Standard

A borrower's credit score has been proven to be the best predictor of the borrower's repayment performance. The three major credit bureaus generally use a formula developed by the Fair Isaac Corporation (FICO) to analyze the credit history, it has an impact on whether or not you are approved for a mortgage, car loan or credit card and what interest rate you'll pay.

Figuring Your Score

The three major credit reporting agencies may each assign a different score to you, based on the specific information each has on file. But they follow a similar method to come up with that number, which range from 300 to 850. The median score in the United States is 723. Knowing your FICO score and understanding how it is calculated can help you improve your credit profile and thus affect what you pay for financing.

Refinancing

Today's interest rates are still low, so if you feel your rate is too high on your current auto, boat, or RV please give us a call at 1 800 297 1999. The Gene Latta Finance Department can help you save money. Contact one of our finance experts today for low rates and refinancing options on automobiles and trucks.


Leasing

As the cost of vehicles continues to escalate, we here at Gene Latta Ford have found a way to give you the monthly payment you desire and still drive the new vehicle of your choice. Lease it!

Advantages to Leasing

Lower Monthly Payments and Low Down Payment. Payments on a lease are less expensive than financing because you are only paying for   the depreciation, which is the difference between the price of the vehicle and the residual value.

Upside Down? Never have to worry about being upside down where the value of the vehicle is less than the amount owed.

Most people will always have a car payment, just like a house payment. You will always have one so why not be driving a new vehicle of your choice every 3 years.

Asset sense. You should buy items that appreciate and lease items that depreciate. For example, most people would not be too excited about buying stock for $30,000 if they knew that it would be worth $15,000 in 4 years.

Low Risk. A bank or lease company is assuming the total risk of what the vehicle will be worth in the future.

Flexibility. You do not give up the option of owning the vehicle, you just postpone it. This gives you time to make sure this is the vehicle for you. This makes great sense with advances in technology that have the potential to make your vehicle outdated.

High Mileage Drivers can benefit by applying for an extra miles up front at a reduced price. The auto industry deducts 23 - 30 cents per mile over your mileage limit when trading in a vehicle.

Win! Win! In many instances, the residual value is comfortably high resulting in lower monthly payments. At the end of the lease, the lease company absorbs the loss, not you.

Warranty. The short term lease leaves you covered under factory warranty, allowing you to be worry-free about unexpected repair bills.

Get a nicer vehicle. High residuals alow you to lease a $5,000 - $10,000 more expensive vehicle for about the payment as financing.

Tax Savings. In states with sales tax, you only pay tax on your monthly payment, not on the whole vehicle. And in some cases, the entire lease payment may be tax deductible. Consult your accountant for more information.

Your Options at the end of your lease

Return it to the bank and pay only a small disposition fee.
Sell the vehicle and keep any amount over the residual.
Trade it in on a new vehicle.
Buy the vehicle for the residual amount.

Lease Terminology 

Cap Cost: The purchasing price of the vehicle plus the acquisition fee.
Acquisition: Fee A fee charged by the lender for doing the lease.
Cap Cost Reductions: Any trade equity, cash or rebates used as a down payment to reduce the cost of the vehicle.

Residual is a predetermined estimate of the market value of a vehicle at the end of the lease term.

Click HERE to fill out our Finance Application.

190382|4491

 

Ford Dealer in Hanover, PA

Thank you for visiting Gene Latta Ford serving the greater Hanover, PA area. Our goal is to make your car buying experience the best possible with great prices and service. Gene Latta Ford’s virtual dealership offers a wide variety of new and used cars, Ford incentives, service specials, and Ford parts savings. Conveniently located in Hanover, PA we are just a short drive from Gettysburg, PA and York, PA.

 

If you’re looking to purchase your new dream car, you’ve come to the right place. At Gene Latta Ford we pride ourselves on being your reliable and trustworthy Hanover, PA Ford dealer. Our inventory is filled with some of the sweetest rides you’ve ever seen and they’re all reasonably priced too!

The Hanover, PA Ford Dealer you can count on

 

 

We’re the kind of Hanover, PA, Gettysburg, PA, York, PA dealer that takes the time to listen to the wants and needs of our clients. We understand that buying a car is a process that takes a certain amount of careful consideration. There are several important factors to take into account when choosing a car:

 

How many people do you drive with every day?

 

How far do you drive on a daily basis?

 

What kind of terrain or traffic do you need to tackle?

 

What does your gasoline budget look like?

 

Are you looking for a sports car or would you prefer a family friendly vehicle?

 

How much money are you looking to spend on your new car?

 

Do you need financial assistance?

 

It’s a lot to wrap your head around but at Gene Latta Ford we do our best to make the car buying experience an easy one. We’re the kind of Hanover, PA car dealer that helps you decide exactly what you’re looking for. We won’t ever make a sale that our customers will end up being unhappy with. We’re proud to be the type of Hanover, PA Ford, Gettysburg, PA Ford, York, PA Ford dealer that strives for 100% customer satisfaction.

 

Ford for Everyone

 

We’re the Hanover, PA car dealership that caters for a whole variety of clientele. We understand that all of our clients have different financial situations and have done our best to ensure that our cars come in a variety of different shapes and sizes, and that their price tags vary as well. We not only have an amazing selection of brand new cars but have also acquired an impressive selection of pre-owned vehicles that are just as fantastic.

 

Because our customers are so important to us, we’ll also take the time to find you some great financing options if you need them. At some point in our lives we all need a little financial boost, and at Gene Latta Ford we do our best to find a reasonable loan that enables you to purchase the car you’ve always dreamed of.

 

Our range of services includes:

 

New Ford Sales

 

Used Car Sales

 

Car Loans and Auto Financing

 

Certified Ford Auto service department

 

Full selection of Ford auto parts and after-market accessories

 

If you would like to get in touch with us please don’t hesitate to give us a call or stop by one of our locations for a visit.

 

Servicing Your Vehicles

 

Need Ford Parts?

Need to Schedule Ford Service in Hanover, PA, Gettysburg, PA or York, PA?

 

Looking for Specific Tires in Hanover, PA or Gettysburg, PA?

 

Schedule Your Next Ford Oil Change in Hanover, PA.

 

If you would like to get in touch with us please don’t hesitate to give us a call or stop by for a visit. We have also set up several quick links to help you filter our website. Just click on any of the search sections to easily navigate our Hanover, PA Dealer Website.

 

Ford Tires in Hanover, PA

 

Ford Transmission Hanover, PA

 

Need Ford Brakes?

 

Need Ford Parts in Hanover, PA?

 

Schedule Ford Oil Change in Hanover, PA

 

Schedule Ford Oil Change Gettysburg, PA

 

 

 

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