If you’re in the market for a new Ford, credit is probably the first thing that comes to mind. You’ve got your down payment in hand, and you just need to secure Ford financing to afford a reliable new car for yourself or your family.
If securing new car financing seems overwhelming to you, you’re not alone. Our Ford finance dealers can help you figure out the ins and outs of APR, how your credit score influences your eligibility, and so much more. Give us a call today.
Get Pre-Approved in Minutes
To get pre-approved for Ford finance, you just need to fill out a simple web form. It’s secure, short, and requires some basic financial information like your social security number and income information. Once you’ve entered all of the information, you’ll receive an accurate assessment of the type of loan you’re eligible for! Having your financing in hand before shopping can help you make a wise purchase, and it can also free your mind so you can enjoy the whole process. It will also hold you accountable to your budget, because once you know what you’re qualified for, you have to stick with it.
Does Credit Score Impact Financing Eligibility?
It’s no secret that your credit score impacts every aspect of your financial life, and buying a car is no exception. Lenders rely on your credit score to measure the risk involved in lending you money, and a higher credit score means less risk for lenders.
If your credit score is healthy, you might receive Ford financing with a lower APR, or you may qualify for more money overall. If your score is lower, you might have to pay higher fees, and you’ll be better off making a larger down payment to offset those fees (high APR doesn’t matter as much if you owe less money).
To keep your score healthy leading up to financing application, keep your credit card balance to below 30% of your overall credit limit, and make sure you pay all of your bills in time. It’s worth it to get a better financing deal!
Find Your Car’s Trade In Value
Are you looking to get rid of your old car? You certainly have the option of selling it on your own, but it can be a hassle. Between weeks of letting your car sit on your front lawn and haggling with people on Craigslist, you’ll might get frustrated. We have an easy solution for your -- trade your car in at our dealership. We offer a simple online tool, powered by Kelley Blue Book, that will show you how much your car is worth in a few seconds. All you have to do is enter some simple information, like the year, make, model, and mileage.
Sell Us Your Car - Next Steps
Once you’ve gotten your car’s resale value, bring it by the dealership for a quick inspection. We’ll look it over and extend an offer your way. You then have seven days to accept the offer or move in another direction. If you accept, you can directly apply the cash towards a down payment on a new car!
Apply for a Lease
Does a new car every 2-3 years sounds fun to you? Look into our leasing options! We have all of the latest Ford models, and after you’ve filled out a financing application, you may qualify for an exceptional rate depending on your credit. You also return your Ford lease to us or work with our dealership on a buyout option. Sometimes people leasing car simply want to keep it, and we’re more than happy to make that happen. Leasing is both fun and practical: you probably won’t have to deal with wear and tear, and you’re car will be under warranty the entire time you own it. Better yet, you’ll never lose that new car smell.
Cars Under $15,000
In case you were questioning our commitment to affordable vehicles for everyone, check out our page of used vehicles under $15,000. It includes all kinds of used cars--some are Fords, and some are not. You’ll find trucks, sedans, and SUVs, and more. Brands range from Fords to Chevrolets, Dodge to Acuras, and Toyotas to Hyundai vehicles. We’ve inspected and test driven each car, so you can be sure you’re getting a reliable vehicle that will run well years into the future! If you see an affordable used car that works for you, don’t hesitate to set up a test drive; they sell out quickly. Give us a call and let us figure out the right time for you!
Do you have any questions for our Ford finance center in Harrisburg, PA? We’d love to hear from you. We can help you make a sound financial decision and find you love, so feel free to get in touch at your earliest convenience.