If it’s time for you and your family to add a new vehicle to your driveway, you are likely wondering what Ford financing will look like and how much your credit score will impact your monthly payment amount.

Once you have decided on a model, our CA Ford dealers at Folsom Lake Ford will set you up with the experienced team in our Finance Department to complete the car buying process. Find out more about the role of credit when purchasing or leasing today.

Does Credit Matter?

Unless you are paying for your Ford Escape in full, you will need some sort of financing to buy or lease your vehicle. When applying for financing, you will be asked a variety of personal questions and your credit will be run so the financial institution is able to get a grasp on your current situation. The reason for this is to ensure you will be able to comfortably make monthly payments.

It is true that higher credit scores land loans with lower interest rates much easier than lower scores do. A high score typically means that the individual has a history of making payments in a timely manner with minimal active credit lines. However, your number is not the only thing that determines your creditworthiness and our team will work to find you a loan that aligns with your budget.

How We Can Help

The dealers at our used car dealership near Sacramento, CA will go above and beyond to find you a vehicle that meets your needs with a doable payment arrangement. If your credit could use some work, we recommend paying down your balances prior to your arrival.

Our team has a close relationship with our preferred financial institutions and will negotiate terms and rates on your behalf. We will also factor in your stable employment status and the value of your trade-in or down payment.

We hope to see you at Folsom Lake Ford to begin the buying process. Stop in today!