The Finance Center at Verner-Cadby Ford Answers Your Frequently Asked Questions


I have had some credit issues in the past. Can I still lease a new car, truck or SUV?


At Verner-Cadby Ford, located at 1240 Bloomfield Avenue in Fairfield, NJ, our finance managers have worked with customers from a variety of different credit levels. Whether you are from Montclair, NJ and have sparkling credit or you have poor credit because of some unfortunate circumstances, like bankruptcy or divorce, we are here to help. Leasing is a great option that can provide a lower monthly payment than a traditional auto loan for customers, which can make it easier to pay. The finance manager you work with can examine a couple different ways of working at getting you approved for a lease on a new Ford car, truck, or SUV.


I filed for bankruptcy a few years ago and I am interested in a new vehicle. Should I try to buy or lease it?


We often get customers from the Parsippany, NJ or West Orange area that are interested in knowing whether they should buy or lease their new Ford. Both options have their advantages. If you have had an issue in the past that damaged your credit, like a bankruptcy or a foreclosure, leasing a Ford vehicle can be a great way to rebuild and repair your credit score. There might be a car, truck, or SUV that has special rebates and incentives that might make leasing an attractive option for you. Leasing ensures that you are in a new automobile at a lower monthly payment that has a nice collection of the latest features and technology. Depending on the length and mileage of your lease agreement, you may be under the manufacturer's warranty the entire time you are leasing and won't have to worry if you have an unexpected mechanical failure.


If I have bad credit, what is the best way to make sure I can get approved for a lease?


Customers in Wayne, NJ who have poor credit and want to stack the deck to give themselves the best chance of getting approved for a Ford lease should do a couple things. The first thing you should do is see if you have a friend or family member who has great credit who can cosign. Next, you should put down the most money they comfortably can.

A finance manager at Verner-Cadby Ford, in Fairfield, NJ, can answer any of your financing-related questions. Contact us today and get started on the path to securing financing today.

Start Your Application

* Indicates a required field

Contact Information

Purchase Timeframe

Your privacy is important to us.

Verner - Cadby Inc. takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


Verner - Cadby Inc.

1240 Bloomfield Avenue
Directions Fairfield, NJ 07004

  • Sales: (973) 575-0333
  • Service: (973) 575-0333
  • Parts: (973) 575-0333


  • Monday 9:00 AM - 8:30 PM
  • Tuesday 9:00 AM - 8:30 PM
  • Wednesday 9:00 AM - 8:30 PM
  • Thursday 9:00 AM - 8:30 PM
  • Friday 9:00 AM - 6:00 PM
  • Saturday 9:00 AM - 6:00 PM
  • Sunday Closed