When you decide to finance your new Ford, you could go to a bank or credit union, or you can visit your friendly Ford dealer for dealer financing. Dealer financing is a simpler, easier, and less stressful process than bank financing. We want to educate our customers on how to make the best choice for your car financing. With that in mind, let’s check out three benefits of car financing through your local Ford dealer.
You Save Time
There never seem to be enough hours in the day to do everything you want to. Financing through a bank or credit union is a slow process. You submit your loan application and probably have an interview, then you have to wait. If they approve your loan, you must then visit your dealer to complete the process.
The process of dealership financing is faster and more streamlined. You can complete your pre-approval online through our website. Once you’ve completed the form and submitted it to us, one of our finance managers will contact you to confirm your details. We then submit your application to our specialized pool of local lenders. They’ll submit their offers, and once you accept one, your car will be ready to collect from us.
More Loan Options
Your credit rating has a major influence on whether you get a car loan from a bank. Banks have very strict policies and are very risk-averse. They will provide loans to anyone with great credit, but if you have average credit or credit that needs some improvement, they’re more likely to reject your application. You’re also limited to their terms and conditions, and they’re not negotiable.
We don’t believe that a lower credit score should stop someone from financing the car they can afford. Our lenders are located here in Illinois, and they have a clear understanding of our local situation. If your credit needs improvement, they can offer you a loan that enables you to increase your credit score as you pay back the loan. You also have more options, as our lenders compete to offer you the best deal.
Financing Without Traveling
Visiting the bank or credit union to apply, returning to complete your loan paperwork, and then traveling to your dealer to complete your purchase can waste some shoe leather. Our process can be travel-free if you like. You make your application online, as we’ve seen, and loan offers will be sent to you by email. You can confirm the loan you want online; then you just need your new car. Once you’ve confirmed the loan you want, we can deliver your new Ford directly to your home or office. There’s minimal paperwork to complete, and we’ll bring it with us. If you’re ready to look at new car financing, contact our finance department today at Auffenberg Ford, Inc. in Belleville, IL.
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