Ford Financing Services: From Pre-Approval to Pride of Ownership

Ford Credit’s financing services combine transparency, flexibility, and real dealer support—designed to make driving your next Ford a positive experience. 

Buying a Ford is exciting—but the financing process shouldn’t feel complicated. Ford Credit, the lending arm of Ford Motor Company since 1959, is built for drivers just like you: real people looking for clarity, flexibility, and support  . With Ford Credit, you get quick pre-qualification, smart payment plans, and protection options—all without the usual hoops.

This isn’t your average loan. Whether you’re buying, leasing, or refinancing, Ford Credit is designed to help you drive confidently—your way, on your terms.

🚗 What You Can Expect from Ford

• Quick & Free Pre-Qualification: Get an idea of your rate and estimated monthly payment within minutes online—without it impacting your credit score  . That’s peace of mind before you even walk into the dealer.

• Standard Purchase: Fixed payments over 12 to 84 months, ending in full ownership  
• Flex Buy®: Unique structure—lower payments for the first 36 months, then higher payments later to finish the term  
• Red Carpet Lease: Lease a Ford for 24–48 months, choose your mileage, and enjoy perks like GAP protection and lease-end flexibility  
• Transparent Monthly Payments: You’ll use Ford’s payment calculator and see exactly what you’ll owe—no surprise fees or hidden charges .
• Exclusive Incentives: Ford often offers manufacturer deals—think 0% APR, cashback offers, or special credit tiers for students, veterans, and first responders  .
• Added Protections for Peace of Mind: Choose optional add-ons like Ford Protect® Extended Service Plans, GAPCoverage℠, and WearCare® to keep you covered beyond the factory warranty  .
• Handy Account Tools: With Ford’s Account Manager online or mobile app, you can manage payments, update info, or request help day or night  
• Support When You Need It: Ford understands life isn’t always predictable. If you hit a bump, they offer assistance with payment deferrals, hardship programs, and even help during natural disasters  

💡 What You’ll Need to Know Before You Apply

• Dealer-Based Application: Apply online or finish the loan at a participating Ford dealer.
• Vehicle Limits Apply: Eligible vehicles are typically up to 10 years old with under ~120,000 miles—no private-party loans.
• Soft Pull Then Hard Pull: Pre-qualification uses a soft inquiry; the final pricing step will use a hard pull.
• Check for Special Offers: Dealerships may have unique Ford-sponsored deals that pop up weekly.
• APR May Factor in Dealer Markup: Dealers may adjust internal rate offers—review your final terms closely.

📝 Step-by-Step: Financing with Ford

1. Get Pre-Qualified
   Head to Ford’s finance site, enter a few details, and see your rate and payment options in minutes  .
2. Shop Smart
   Use those pre-qualified terms to confidently browse certified-new, used, or certified pre-owned Fords.
3. Choose Your Path: Lease or Buy
   Decide whether leasing or buying fits your lifestyle and budget best.
4. Visit a Partner Dealer
   Bring your pre-qualification, complete your application, and review dealer offers.
5. Select Your Protection Plan
   Consider adding GAP, extended warranties, or wear-and-tear coverage.
6. Sign & Drive
   Finalize all paperwork, complete the credit check, and drive off with confidence.
7. Manage the Loan Your Way
   Use the Account Manager or app to set autopay, track payments, and stay informed.

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