Ford Finance Center in Layton, UT

Explore Our Finance Center for Options to Fund Your New Car Purchase

While the thrill of purchasing a new car is an exciting experience, you can often end up having a daunting task in your hands. This is if you are not aware of the different financing considerations available before you can get your hands on that new car or truck in Layton.

For the modern car buyer, at Ed Kenley Ford, we have several financing options to cater to the object of sale. As it stands, our best options among car buyers are either direct buying or leasing new cars and trucks through our finance center.

Lease Vs. Buy Decision

The decision to lease or buy your next vehicle depends on several factors. For most customers, the elements can be goals of the car, budgeting, and other personal preferences.

If you decide on leasing, the procedure entails renting the vehicle of your choice from Ed Kenley Ford for a certain period. After the lease period, the buyer can opt to return or buy the vehicle at an earlier agreed amount without building equity during the rent payments.

The buying option at Ed Kenley Ford gives you a whole different prospect with the financing procedure allowing customers to own the new vehicle through first-hand cash deposits. For others, direct buying is made possible through loan options such as direct lending or dealership financing.

How Leasing and Buying Financing Differ


  • No full vehicle ownership unless lease ends and you purchase the car
  • Vehicle depreciation won't matter to you financially
  • A lease agreement may limit the vehicle use and mileage, charging extra for going above the limit
  • Possible wear and tear in most leases can cost you extra charges on the agreement
  • The vehicle must be returned in salable condition as before without damage or modifications
  • Lease payments offer lower rates compared to loan buying agreements due to the vehicle's depreciation during the lease term


  • Full vehicle ownership after payment
  • Vehicle value depreciating affects you directly
  • You are free to drive to your desired mileage
  • You are fully responsible for all wear and tear- even financially
  • Vehicle customizing and modifications are all possible as you desire
  • Loan buying payments are higher since you cater paying for the purchase price, interest, and other charges

Is it Better to Lease or Buy a Car?

While the leasing financing option can be appealing compared to buying, each option offers unique advantages you can still enjoy. Here are the significant merits of the lease and buying options.

Pros of Leasing

  • A lease comes with lower monthly payments considerable less than a loan buying option.
  • Lease agreements offer new cars with each contract renewal, giving you the chance to explore our new inventory, sales promotions, and many high-end and custom trucks.
  • Vehicle maintenance is catered for by the new vehicle's warranty
  • You don't have to worry about the resale value of the vehicle

Pros of buying

  • Buying option lessens the purchase burden by allowing you to pay less over the long term.
  • Full ownership through buying gives you the flexibility to sell or trade in the vehicle.
  • No mileage limit means you can drive for many miles as you want in and around town.
  • Customization and modifications are all possible as long as you don't void your warranty.
  • Each buying option gives a lifetime warranty to each new vehicle, in particular, our new Ford trucks and SUVs.

Lifetime Limited Powertrain Warranty & Wrap

When Ed Kenley Ford offers a Nationwide Lifetime Limited Powertrain Warranty, administered by CNA National, your vehicle is covered for the duration of your ownership. You can even add an optional "wrap" service contract to enhance the warranty with different term options!


When Ed Kenley Ford provides you with a Nationwide Lifetime Limited Warranty and you choose to buy the Lifetime wrap coverage to compliment the warranty, you can drive with confidence knowing that your wallet is protected from mechanical breakdown by one of the most comprehensive coverage plans available.

Ed Kenley Fords Nationwide Lifetime Limited Powertrain Warranty and Lifetime Wrap program can provide you with mechanical breakdown coverage for as long as you own the vehicle. There is a coverage option with no term or mileage restrictions.


Nationwide Lifetime Limited Powertrain Warranty: Engine, Transmission, Drivetrain Assembly

Nationwide Lifetime Wrap Service Contract: Suspension, Steering, Brakes, Electrical, Interior Climate, Fuel System, Cooling System, Interior Electronics, Powertrain Electronics, Convenience Accessories, Vehicle Hardware, Sport Package, Seals & Gaskets

The wrap service contract also includes:

  • Towing and emergency roadside assistance
  • Rental car reimbursement
  • Travel and lodging reimbursement

Please see the actual warranty or contract for terms, conditions, limits of liability, exclusions, and state-specific provisions that may change your coverage and/or benefits.

Get on Board Our Financing at Ed Kenley Ford

For the latest in new-vehicle financing, don't hesitate to contact our experts at Ed Kenley Ford to guide the options available in Layton. Whether you're in Ogden or Syracuse, UT, Ed Kenley Ford is here help pair you with the right financing option that will best suit your needs. Be sure to check out our new inventory, including our premium and exotic trucks, learn more about our lifetime warranty program, build and price your new Ford, our promotions, and financing options.

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.

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Ed Kenley Ford

1888 N. Main St.
Directions Layton, UT 84041

  • Sales: 801-776-4201
  • Service: 801-776-2864
  • Parts: 801-776-9330

Finance Hours

  • Monday 9am-7pm
  • Tuesday 9am-7pm
  • Wednesday 9am-7pm
  • Thursday 9am-7pm
  • Friday 9am-7pm
  • Saturday 9am-6pm
  • Sunday Closed