The first thing you may hear when financing a Ford is APR, which stands for annual percentage rate, the interest charged on a car loan. Over time, that number can add thousands of dollars to the total cost of a vehicle, so a lower rate makes a real difference.

Credit score strength typically determines how low that rate can go, so building strong payment habits ahead of a purchase pays off down the road. That said, our specialists work with shoppers across the entire credit spectrum to provide a personalized experience.

• One-on-one rate discussions with a finance specialist
• Support for both new and used Ford loans
• Direct access to trusted regional lenders

Plus, we support drivers rebuilding after bankruptcy through a dedicated recovery program built on relationships with lenders known for fair, realistic terms.

Reach out to our finance team today and start the path toward a low rate on the next Ford.

Car shopping moves faster when the numbers get sorted early. Our online tools and resources help to expedite that process, including:

• Online Financing Application
• Payment Calculator
• Value Your Trade

Each tool uses secure technology to protect personal information. Once a financing amount and rate are locked in, shopping turns into a matter of comparing favorite features, rather than crunching numbers on the fly.

Deciding between buying and leasing comes down to driving habits.

• Leasing offers a lower monthly payment, a shorter commitment, and a new model every few years, all under factory warranty coverage.
• Buying builds equity over time and removes mileage limits, making it the stronger choice for drivers who keep a vehicle for years.

Commercial trucks, F-150s, and Super Duty pickups all qualify for financing or lease programs, along with incentives like cash-back offers and low-APR deals for buyers who get pre-approved first.

Compare both paths with a finance specialist and talk through which path lines up best with personal driving habits and financial goals.