Purchasing and financing a vehicle through AM Ford is an easy, stress-free process. Our sales staff possesses thorough knowledge about every Ford on our lot, and after you’ve made your selection, they’ll send you to our skilled finance staff, who will help you determine your down payment amount and secure financing with a favorable APR.
You are more than welcome to get a loan outside of our dealership, but AM Ford works hard with several lending institutions to find you a very competitive rate. The loan you get depends on the size of your down payment and your current credit score. If your credit score is on the low end, you can start making changes in your finances now so that you’ll be able to secure a more favorable loan (one with less interest) a few months down the road.
To boost your credit score:
Pay off your debts and maintain a low credit utilization. That might mean having multiple credit cards open but only using a small amount of the available credit.
Create a good balance of credit that involves credit cards, an auto loan, mortgage, etc. Creditors like to see that you can handle a diversified set of loans.
Pay all bills on time and in full.
Quickly and easily fill out this form to get pre-qualified for credit.
After improving your credit score, determine the budget for your monthly car payment. Look at your current expenses and income to determine how much money a month you can afford to spend on a car, and don’t forget to factor in a possible insurance premium increase.
Not sure where to start? AM Ford offers a car payment calculator so you can see what your car payments might look like, depending on the model you choose. And if you have more questions, we would be glad to answer them.