Homer Skelton Ford of Millington
 Sales 901-582-6162
Service 901-582-6223
9030 US Highway 51 Millington, TN 38053
Today 8:30 AM - 7:00 PM Service 7:00 AM - 5:30 PM
Open Today !
Sales: 8:30 AM - 7:00 PM
Service: 7:00 AM - 5:30 PM
Parts: 7:00 AM - 5:30 PM
All Hours

Ford Finance Center in Millington, TN


At Homer Skelton Ford of Millington, we have our own financing department to assist customers in finding auto loans near Memphis. When you are in the market for a new Ford, you do not have to let your credit history get between you and your new vehicle. Our experienced finance staff takes the time to understand your situation so you can get the best auto loan available. We understand that taking on a loan can be intimidating, so we'll walk you through every step of the way to ensure your comfort and satisfaction. Once you learn more about our auto loan financing options, we encourage you to apply!

How Do Auto Loans Work?

After you are approved for a finance program at Homer Skelton Ford of Millington, we match you with the most competitive rates available. We help you sort through offers from the manufacturer as well as options from local Tennessee banks. Our friendly financial experts understand that every case is different, which is why they take the time to understand your situation completely. Our top priority is finding you the lowest possible rates with flexible terms to fit your needs.

Financing Rates for Auto Loans

Depending on your financial history, you will receive different interest rates and APR offers. The price of the car, the down payment you can afford, and your credit rating will all affect the interest rate you receive. In addition, if you can demonstrate consistency in making past auto payments or have a vehicle to trade-in, you will get a lower interest rate.

Homer Skelton will help you find the best rate available, regardless of how strong your credit score is. Having dealt with all kinds of different credit histories and creating connections with local and national lenders, we can work with you to develop the right loan package. We are also able to provide loan packages for people with low credit ratings, so you can get into a car and start rebuilding your credit.

Down Payments

A down payment is one of the significant factors to impact your potential loan. If you can make a good down payment or provide a trade-in, it will reduce the loan amount and help keep your interest payments lower over time. With that being said, we understand that some customers do not have the right budget to make a big down payment, we can work with that too.

Co-Signers for Auto Loans

A co-signer is another great way to secure a good auto loan with bad credit. If your co-signer has a strong credit rating, you can get credit approval with ease and reduce your fees over the course of the loan. The co-signer remains on the loan for the duration of the loan, unless it is refinanced, where it will still show on your credit report. Contact the financial experts at Homer Skelton if you need reliable answers about using a co-signer.

Pensions and Social Security for Car Loans

Some people do not realize they can count their pension or social security as income when trying to get a car loan. Typically, social security can even count as extra income because it is tax-free. Homer Skelton Finance has expertise with these situations and can help you secure an auto loan with your retirement income.

Auto Loans in Memphis, TN

Homer Skelton Millington Ford is your local resource for car loans near Memphis. We are proud to offer unbeatable financing offers for both new and used cars, so you can get the financial assistance you need. When you need a great auto loan in West Tennessee, save time and effort by getting it right at the dealership. We provide pre-approval as quickly as possible so customers can see when they qualify for our finance programs.

Start the application online or contact us today to make an appointment with a financing specialist!

Auto Loans

The Homer Skelton Millington Ford finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Millington, Atoka, and Arlington to ensure our customers get the right finance program at the most competitive rates.

We strive to work with each customer to ensure their satisfaction. We have financed customers from Memphis to Germantown. Whether you are right down the road or an hour away from Millington you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.

How is your credit?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

Best "I never miss a payment!"

The Homer Skelton Millington Ford loan process can help you find the best interest rate for your next vehicle purchase.

Try our FREE credit application today!

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Ford vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK "I've missed a payment or two."

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Ford vehicles currently available for immediate delivery.

Not So Good "I need to rebuild my credit..."

Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our FREE credit application online.

Once the application is completed, the Homer Skelton Millington Ford finance team will put together a loan package that is tailored specifically for you.