Their goal is to understand your needs and help you find the right Ford, not just sell you any car.
The clear pricing you see online is what you’ll find at the dealership. No games, no surprises.
The most important step: getting behind the wheel to ensure the vehicle feels right for your life.
Your dealership is your long-term partner for service, maintenance, and future vehicle needs.
-
The Arrival – Your Personalized Welcome+
Your modern dealership experience begins the moment you arrive. Whether you’ve scheduled a visit online or are just stopping by, Ford’s goal is to connect you with the right specialist for your needs.
-
The Blueprint – Building Your Deal+
Once you’ve found the perfect Ford, they work with you to structure a deal that makes sense. This is a transparent, collaborative process. Ford will provide a clear valuation for your trade-in and show you how that applies to your purchase.
-
The Handshake – The Financing & Finalization+
The finance office is no longer a mysterious back room. It’s a professional hub where a financial expert helps you secure the best possible terms. They will clearly present the competitive financing options available from Ford Credit and other trusted lending partners.
-
Beyond the Purchase: Your Ongoing Partnership+
The relationship doesn’t end when you drive away. Your local U.S. Ford dealership is your long-term partner for the life of your vehicle. From expert maintenance and service by Ford-certified technicians to genuine Ford parts and accessories, your dealer is your home base for keeping your Ford running perfectly.
Top Auto Loan Options in the US
- Ford Credit – Tailored financing for Ford vehicles, featuring flexible terms, loyalty offers, and special lease options.
- Capital One Auto Navigator – Helps you pre-qualify and shop for cars with no credit impact.
- PenFed Credit Union – Offers low auto loan rates and extended repayment terms to members nationwide.
- Bank of America – Offers online applications and discounted rates for account holders.
- LightStream – Provides unsecured loans for vehicle purchases with fast funding and no restrictions on make or model.
Traditional Bank Financing
When financing a vehicle through traditional banks such as Bank of America or Wells Fargo, customers often benefit from stable interest rates and the convenience of managing loans alongside existing accounts. These banks offer familiar options, yet they may lack the dealership integration and exclusive Ford incentives that Ford Auto Loan can provide directly through Ford’s dealership network. The dealership advantage includes tailored financing for Ford vehicles and access to limited-time manufacturer promotions not typically available through outside lenders.
Ford Dealership Auto Financing
Financing your next vehicle through a Ford dealership gives you access to Ford Auto Loant, which is designed specifically to serve Ford buyers. You can apply in person or online, and you may qualify for exclusive programs like Red Carpet Lease, Flex Buy, or low APR specials on select models. Ford Auto Loan is known for its competitive terms, ranging up to 72 months, with added benefits for returning customers, recent college grads, and military members. The process is streamlined at the dealership, allowing buyers to choose, finance, and drive away in a single visit—all with a team experienced in Ford vehicles and customer service.
Online Lending Platforms
Digital lenders like Carvana, LightStream, and LendingTree allow car buyers to complete the entire financing process from their phone or laptop. These services often promise speed and rate comparisons, but they may not offer the same vehicle-specific promotions or rebates as what’s available through Ford dealerships. Ford Auto Loan, on the other hand, delivers a more personalized experience with dedicated support at every dealership, and often includes better terms for Ford buyers who want a program built specifically around their vehicle and financial needs.
Unsecured Personal Loans
Unsecured personal loans, like those from LightStream or major online lenders, provide cash that can be used for any type of vehicle purchase, including private-party sales. However, because there is no collateral involved, the interest rates are usually higher than with traditional or dealer-based auto loans. Ford Auto Loan offers secured loans with lower rates and more favorable terms for buyers financing through a Ford dealership, giving customers a safer and more cost-effective path to ownership.
Buy Here, Pay Here Dealerships
Some buyers may consider Buy Here, Pay Here dealerships if they’re struggling with credit. These places offer on-site financing but typically come with high interest rates, limited vehicle selection, and less flexible payment options. In contrast, Ford dealerships backed by Ford Auto Loan provide more transparency, better loan terms, and access to certified Ford inventory—plus, the opportunity to build or rebuild your credit responsibly with payments reported to major bureaus.
How Auto Loans Impact Your Finances and Credit Score in the US
Taking out an auto loan can significantly shape your financial future. When managed wisely, your loan can help build a strong FICO score through consistent, on-time payments—beneficial not only for future car loans but also for mortgage approvals and refinancing options. Ford Auto Loan reports activity to major credit bureaus, helping responsible borrowers strengthen their profiles. Just be mindful of how the loan affects your debt-to-income ratio, as lenders consider this when evaluating you for future financing. Shopping for rates within a short window typically counts as one inquiry on your credit, minimizing any negative score impact. Ford dealerships also offer helpful guidance and optional GAP coverage to protect both your vehicle and credit from the unexpected.
You will stay on our website.
