Financing is one of the most common ways to get behind the wheel of a used Ford truck. While some people may be able to pay for a vehicle upfront with cash or check, the majority opt for a financing plan. Here at Folsom Lake Ford, our friendly team is happy to walk you through the Ford financing process — here’s how it works.

Know Your Credit Score

Before applying for auto financing, it’s a good idea to have an idea of your credit score. There are many places that allow you to check your score for free, and you can even check your credit score right here on our website using our safe Equifax-backed tool. Knowing your credit score gives you an idea of the interest rate and loan term you can expect.

If you discover that your credit score is lower than you would like, it’s advisable to take some time to repair your credit by taking care of credit card debt and paying off existing loans. You can also ask a spouse, family member, or trusted friend with better credit to cosign the lease with you. Doing so can help lower your used car interest rate.

Apply for the Loan

Our dealership allows prospective buyers to start the auto loan process right here on our website. Simply input your contact information and your purchase timeframe, and we will contact you with next steps. Our finance professionals take pride in helping our customers find the right loan for their personal financial situation, even those with poor credit or no credit.

Get the ball rolling on your used Ford truck financing journey today at Folsom Lake Ford. We look forward to assisting you.