Find a Ford Dealership in New Jersey

Listed below are five of the main Ford dealerships in New Jersey. There are many more can be found either through a search on Google, or through the main Ford website.

Ford Dealerships in New Jersey

Yaldeman Ford

607 NJ State Highway 33
Trenton, NJ 08619
Sales: (800) 939-6659

Lawrenceville Ford

2920 Brunswick Pike
Lawrenceville, NJ 08648
Sales: (609) 882-2900

Lucas Motor Company Inc

Route 130
Burlington, NJ 08016
Sales: (609) 386-3100

Haldeman Ford

640 Route 130 and Hickory Corn
East Windsor, NJ 08520
Sales: (609) 448-0940

Miller Ford Sales

1596 Route 38
Lumberton, NJ 08048
Sales: (609) 261-7836
It is sometimes a mistake to overload a search, unless you’re looking by very specific location.

Each Ford dealership in New Jersey is a separate business, and each can be negotiated with both for the vehicle and for the f Below are listed some of the most common questions that need to be asked, in addition to any specific demands all requests that the purchaser might have.

What are the most common repairs and what are the cost of spares ?

Understanding what are the cost of spares and what is most likely to go wrong with the vehicle actually quite positive contributions to understanding the maintenance and running costs of the Ford car or truck.

Every vehicle has maintenance and running costs, as well as things that might go wrong that hopefully will be covered under a warranty.

Knowing what the likely service charges and additional costs are you an idea in terms of what it will cost to run the vehicle, in addition to knowing its insurance costs and its depreciation  in value

Are there additional fees such as dealership fees ?

When negotiating the price of a vehicle, many people are surprised that once they have agreed a final price that when they come to actually sign the contract the figure can be significantly different to what they thought they had agreed.

This is because in addition to the price agreed, there are normally a number of additional item that are added to the contract. The most contentious of these relates to what are known as dealership fees.

These are normally quite vague in nature, but can be very highly in practice. They can relate to very specific items, or they can simply refer to a wide range of people work needed to be done in order to process the sale of the vehicle.

Historically, some dealerships of all  manufacturers have used the nature of dealership fees as a way of recouping some of the discounts they have offered on the price of the vehicle.

They hoped that by the time the individual came to sign the contract they would simply accept the additional fees and not want to renegotiate the whole deal.

This is simply something to watch out for, and when negotiating the final price of the  vehicle make sure that all additional items and fees are agreed upon and how that explicitly in writing from the dealership.

How many miles to the gallon does the vehicle do ?

This used to be quite a simple question to work out prior to buying a vehicle. Nowadays with the different sorts of transmission and hybrid vehicles available, whilst it is still a really important question in terms of running costs, it is a question that a dealership may be to help you more with than simple research prior to buying or leasing a car or truck.

What is the vehicle’s mileage ?

This is a pretty basic question anyone buying a used car or truck want to know, and historically was an area of concern as it was relatively easy for someone to alter the mileage vehicle to make it seem it had less usage and it actually had.

Nowadays, this is harder to do as all mileage readers on new vehicles are digital, but it may still apply to some older vehicles.

The other issue that becomes important with this is the history of the vehicle. If the dealership sold the vehicle initially, or has its history available, then it is much easier to have a real sense of its mileage as you will have a note of services three shall contain the milage recorded at each time of service.

What extras that the vehicle come with ?

Every vehicle will have extras, some of which will be included in the price and some be charged as additional costs. Extras are pushed by a dealership because they make a vehicle more personal, and make it more attractive to solve such. The important thing to remember that extras can be added afterwards, by  a dealership or third-party retailer, and not to get swain by the fact that  some extra attachments more attractive.

As with all items in the sale, clarity is key. Find out exactly what is offered and  what is not offered and at what price, and then make a decision based on that information.

Find a Ford Dealership in Houston

Finding a Ford dealer in the Houston area of Texas is relatively easy. What is more difficult is working out which one to go to, and where to start in terms of the different range of options available. Below are five main dealerships in the Houston area. There are many more, but these give a good insight into how a dealership operates, and what you might expect both on-line and in-person.

Tommie Vaughan Ford

120 North Shepherd Drive, Houston, TX 77008

Tel 713-869-4661

This dealership’s website is  well structured, and shows a wide range of useful information in an easy to access manner. There are  menus for new inventories, pre-owned inventories and work trucks.

There are also specific sections for the service center, for the parts center and for the collision center.

Chastang Ford

6200N Loop East, Houston TX 77026

Tel – 855- 587-2086

This Ford dealership’s website has similar sections on new vehicles, pre-owned vehicles and work trucks. It also has a separate section on finance and specials, and sections on service and parts.

There are also sections on  scheduling servicing, and ordering parts and accessories.

Russell and Smith Ford

3440 S LoopWest, Houston TX 77025

Tel –  888-463-8919

This Ford dealers website is perhaps more focused than others.

There are sections on new cars, used cars, work trucks and specials. In addition there are sections on service and parts finance and body shop. In addition, the website has a blog with a number of useful articles on buying or leasing a Ford car or truck.

There is also a section advertising special deals such as a one-year maintenance plan, a conference in car wash, complimentary  estimates,  complimentary shuttles and a range of mobile servicing options.

Sterling McCall Ford

6445 Southwest Freeway, Houston TX 77074

Tel – 281-588-5000

Sterling McCall have a similar range of options to the other websites listed above, but it is also perhaps worth noting that their sales hours from 8 AM to 9 PM Monday to Friday.

These are quite long opening hours, and especially useful to anyone working during the day and needing to access a dealership in the evening after work.

Doggett Ford

9225 North Freeway Houston TX 77037

Tel – 281 -878- 4200

This Ford dealer also focuses in on potential Spanish-speaking customers by offering the website in their language.

Whilst they have a wide range of new and used vehicles,  Doggett Ford make a special point of advertising their work trucks such as F-250, and have a long history of working with different types of Ford trucks, and can offer that experience as such.

Finding a dealership is best done either by going to the main Ford website where there is a special section on how to search by ZIP Code, location or speciality.

Alternatively, simply enter search terms in Google or Bing and do a normal search.

The issue very quickly becomes one of trying to decide which dealership to approach,  or where to get the best deal, whether buying or leasing a Ford car or truck.

By far the easiest way is to use the various dealerships websites, and do research as to what you think is most appropriate deal that has been offered. Once that has been done, you can approached the dealership either by phone, email or in person.

It is always a good idea to do as much research as possible beforehand, and to do as much of the negotiation either by phone or on-line before visiting the dealership.

This is simply because you have a much stronger hand if you are not physically in the dealership, but can walk away from it before you actually agree any deal.

Most Ford dealers recognise this nowadays, and many have specific Internet departments that are designed to help you through this process.



Ford Dealership Locations and Services

With over 3000 Ford dealerships in the United States alone, there is likely to be one very near where you live, and also very likely to be several that you would realistically be able to visit and choose from.

The Internet has given consumers a huge advantage when it comes to buying or leasing a Ford vehicle, not simply in terms of choice of dealerships.

Depending upon what type of car or truck you want, if you are prepared to do a fair amount of research on-line, then there is potential for significant savings.

Most auto dealers acknowledge that the Internet has transformed the nature of the industry from a buyers and sellers point of view, and many dealerships will have dedicated internet teams who are there to help you through this process.

Remember that all Ford dealerships are independent businesses, and all of them want your business. If you are prepared to do the research and negotiate with them either on-line, or by phone, before visiting the dealership then this puts you in a very strong position.

Ford Dealerships Near You

There are two main ways to find the nearest dealership to you live. One is to go to the main Ford website where they have a dedicated page to help you do this.

There is a search engine that allows you to enter your ZIP code/city or state which will bring up a number of results of dealerships nearest to where you live.

There are also a certain number of filters that allow you to break down the search a bit more specifically.

These filters relate to dealerships who can carry out certified electric vehicle repairs, dealerships who carry out collision repairs and dealerships which are open in the evenings.

There also filters that allow you to find a dealership for certain specialities, currently Quick Lane Tire and Auto Center, Owner Advantage Rewards Dealer and tire sales.

The other main way is simply to use Google or Bing and enter the search terms ‘Ford dealership’ together with your ZIP Code or location. This will bring up a number of dealerships close to where you live.

Used Ford Dealerships

Most Ford dealerships will sell a mixture of new and used vehicles, and their websites are likely to give you some idea of their inventories, and their current pricing structure.

If you are looking for a specific used vehicle, and no dealership near to you seems to have one, it is worth contacting one or two local Ford dealerships who may be able to source the vehicle from out of state.

Most Ford dealerships would be willing to do this if they have access to a nationwide database of used Ford vehicles, and would also save you the trouble of having to trawl through 3000 different websites.

Ford Dealership Parts

One reason people like buying from a Ford dealership is that they know that the dealer is likely to have a vehicles history to hand.

If it is a new vehicle this is also not an issue, it is a used vehicle then the dealer may have sold it originally, or may well have made enquiries as to its history when acquiring it.

In any event, a Ford Dealership should be able to specify that all parts that are in the vehicle are Ford made, or Ford endorsed. This is especially true of any vehicle that a certified pre-owned.

Whether a car is bought from a Ford dealership or not, many people like to have it serviced and maintained by Ford dealer simply because they know that Ford parts will be used.

This is sometimes about peace of mind, and sometimes about the fact that Ford parts will be needed in order to conform with any  warranty conditions.

People who are mechanically minded will often source official Ford parts themselves, either on-line or through local contacts and do the work themselves.

Ford Dealership Services

When buying or leasing a Ford car or truck, there are a significant number of components that affect the overall cost and pricing of the vehicle, and also its running costs for the next few years.

For this reason, it is well worth breaking down these components into their different areas, working out the best price for each one, and then negotiating with different dealerships to get the best overall deal.

Sale or Lease – Arranging Finance

Many people will apply for Ford Credit when they are considering either buying or leasing a vehicle, even if they eventually use another source of finance.

Arranging finance for a vehicle can be quite a complex process, and it is always a good idea to obtain alternative quotations from different sources, in order to be able to compare them on a like-for-like basis.

Different dealerships are likely to come up with different quotations, and it is worth remembering that all areas of finance are potentially negotiable, depending upon how good your credit score is.

This normally refers to as such as the size of a down payment, the interest rate, the length of the loan or lease agreement and possibly any costs involved in pay off the loan early.


People often think simply about the sticker price for a Ford car or truck, but there are often many more costs involved.

With a new car there is a recommended manufacturer price, although it is widely accepted that a dealership should always reduce this by approx 10 to 15%.

Sometimes this reduction is shown as an incentive or a cashback offer, but it should always be considered a standard part of negotiating the price of the car.

In addition, many people will delve deeper and find out how much the Ford dealership agreed to pay Ford motor company for the vehicle, and base what they are willing to pay on this.

In addition, people sometimes take into account how long the vehicle has been part of the dealerships inventory, and how this will affect its pricing.

With a used vehicle, there are a number of ways of checking what his price should be, using Kelly’s blue book or similar.

Generally speaking, the vehicle’s price will be determined by its age, mileage and overall condition, plus any dealership markup.

Warranty  – Roadside Assistance

Any new Ford vehicle will come with a manufacturer’s warranty, which on the whole is self-explanatory.  Check that the tires are included. If  buying a used or second-hand vehicle then the issue of a warranty becomes a bit more complicated.

Firstly, check to see if the manufacturer’s warranty is still valid on the vehicle. These are normally transferable, and if some type of extended warranty was bought on the vehicle at the time of sale, check to see if that is valid on transfer of ownership as well.

Otherwise, see what type of warranties are offered in terms of parts and labour, and if it can be in any way extended and at what cost. Sometimes warranties can be bought from third-party companies, depending upon the age and condition of the vehicle.

As with any warranty, there are likely to be conditions attached to it in terms of using standard Ford parts, and in terms of regular servicing. Make sure these have been adhered to.

Some warranties will include some type of roadside assistance, which can range from being very basic in terms of covering the cost of a call out, through to returning you and fellow travellers to your home address, and can include things like overnight accommodation, replacement car etc as well.

Check to see if this is included, and also if it clashes with any other type of roadside assistance program you might have.

Auto Insurance

Most people know that you will need to have at least a minimum third-party liability insurance coverage on your vehicle.

Whilst it is  obviously beneficial to purchase more cover if you can afford it, it is worth checking with the Ford dealership if they have any links with any insurance companies who may be able to offer you favourable rates.

Before purchasing or leasing any vehicle, new or used, it is worth getting an idea or estimate of what the insurance cost is going to be. Insurance costs are both about the vehicle and the owner, and can be a sizeable factor in the final price that is paid, and in its annual running costs.


Sometimes servicing of the vehicle is included as part of a sales deal, if not it is worth checking to see if it can be, and also if there are any discounts available.

It is also worth checking to see if the dealership will offer you a courtesy car while  yours is being serviced. Small things like that can make a big difference at a practical level, and can be easily negotiated at time of sale.

Product Recall – Safety recalls and Airbag Recalls

One advantage of buying through a Ford dealership, is that it is much easier to register your details, and to enable yourself to be notified of any announcements from Ford, or the specific dealership.

Announcements are normally either sales pitches, or product recalls. These normally relate to safety issues or things such as airbag recalls.  Whilst not common,  these are important and are quite often concerned with specific models  of certain cars, often bought between certain dates.

Without being registered with a Ford dealer, or with Ford itself, it is quite easy for product recalls to be missed as they do not always get much publicity in the press or media.


Incentives tend to be inducements to buy. Incentives are normally offered either at a national level by Ford, or at a local level through Ford dealerships, or sometimes both.

There is no doubt that incentives can make a significant difference in terms of savings to any Ford vehicle that you may buy. The problem tends to be that sometimes inducements and incentives can blur the actual price that you need to pay.

It is worth doing your homework and working out what you would be likely to pay without any incentive or inducement, and then approach incentives as an additional benefit if they are applicable.

Incentives can be things such as special deals for students or people in the military, zero percentage interest rates on  loans for certain customers.

Often incentives relate to certain models of cars that a dealership is trying to shift, either because a new model is coming along, or they have an overstock inventories that they need to move.

This can also mean that it is often highly preferable to buy certain types of cars or trucks at different times of the year.

The answer to all of this is to do your homework and research. The more time you are willing to put in should reap real benefits in terms of savings.

Dealership Fees

Dealership fees are often thought of as being not that important, and are talked about in terms of paperwork. In fact dealership fees can often amount to significant amounts of money, often really unrelated to any type of work involved in generating such fees.

Dealership fees are often used as a way of clawing back some of the money that dealers have offered by way of discounts or incentives in order to secure a sale. This tends to be common practice in some, not all, dealerships of all manufacturers.

It is perfectly legal, but it is a good idea to be prepared for it.

The solution is simply to get the dealer to be specific about what the dealership fees are and what they relate to when negotiating the final price of the vehicle. It is simply about avoiding unpleasant extras that crop up once you thought you had agreed a final price.

Certified Pre-Owned

Certified pre-owned vehicles are a really good way of buying a used second-hand Ford car or truck with some degree of certainty that it is in good mechanical condition.

Ford will have done a number of checks on all main areas of the vehicle, and make sure that everything is in good working order.

It is worth checking with the dealership whether they that were the original point of sale, and/or if they have knowledge or records of the previous ownership of the vehicle.

This should give you some degree of certainty about its lineage, which together with the certified pre-owned checks will give some sense of security about buying a used or second-hand car.

Trade In Value

If you have a car or truck that you are thinking of trading in, it is well worth trying to get an estimate of its value independently before going to a dealership.  There are many on-line sites that can refer you to various guides, such as Kelly’s blue book, which should give you an indication of its worth, based on its age, mileage and condition.

This should give you a working knowledge of what its trade-in value is against any new or used car that you may think of buying. Bear in mind that a dealership will offer you significantly less than you might get if you sold privately, simply because they have to resell it and make a profit.

The trade-off from your point of view is really one of convenience, and the option of securing a better price on any new or used car that you may buy.

Find A Ford Dealership in Houston

Find a Ford Dealership in New Jersey

Find a Ford Dealersip in Tulsa





How to Refinance Ford Credit Loan on Ford 2018 Escape

The Ford 2018 Escape is one of their most powerful and popular SUV’s, and unsurprisingly comes at a cost. It is not surprisingly for, that many people look at the option of refinancing a Ford credit loan at some point or opportunity, either to reduce the monthly costs or to reduce the length of the loan term itself.

When refinancing a loan certain information is required by the new lender. This will be all the information you have available about the car itself, the original loan details and any outstanding amount to the original lender is. This will be in addition to personal details that the applicant will need to supply an order for a credit application cheque to be carried out on them.

Refinancing any Ford credit loan is in many ways pretty similar to the process of applying for a loan in the first  place. People tend to think that we financing is quite complex, which technically it is, but all the complexity is done by the bank or credit union finance house that is offering  the new loan.

Ford Credit Refinance on Ford 2018 Escape

It is important to understand with refinancing a loan that it is the easiest way of changing the terms and conditions of any auto loan that has been taken out.

A normal auto loan, whether with Ford credit or some of the lender is structured in such a way that the interest is charged for the full amount over the period of the loan, obviously reducing as the capital is paid off. In order to keep the loan as simple and structured as possible this is then adjusted to a fixed monthly payment from the time of the loan itself.

Changing the details of the original  loan, either in terms of changing the monthly payment or the length of the loan, or the interest rate, make it virtually impossible to do. It is much easier in fact to simply refinance the whole loan with another bank or credit union.

It is also important to remember that maybe a penalty for paying off the original loan early, and this should be checked within the terms of the loan for any refinancing agreement is entered into.


How to Get Best Ford Credit Finance Deals

Ford Credit will offer a wide range of finance deals, and making sense of them can sometimes seem a bit difficult. Whilst the offers themselves are perfectly genuine, the range of different offers and discounts available can sometimes make it a bit tricky to work out exactly what the benefits are, and who is getting them.

Ford, along with other manufacturers, offer a range of discounts on selected models, at certain times of the year, to certain groups of people such as people who are serving or have served in the military, to pre-approved customers and certain finance deals normally a low or zero interest-rate.

Ford will also sometimes offer a special relationship with one or more insurance companies who may be able to offer advantageous rates on any model that is bought or leased.

Making sense of these different offers can sometimes take time, but that can be to the advantage of the customer they are willing to put the legwork in. Firstly is to look at the deals that Ford offer at a national level. These will be honoured by all Ford dealerships, in addition to any local finance deals that may be available.

Best Ford Credit Finance Deals

Secondly is too relies a lot of the Ford credit finance deals will be aimed at vehicles that need shifting in terms of inventory. That means that if a customer is willing to bide their time, and buy at a certain time of year they are in a position where they could get significant savings.

Getting pre-approval as a customer is also a really good idea. It allows the customer to obtain in advance an agreement in principle to borrow a certain amount of money. This means they know what they are able to borrow and what it is likely to cost them. This means that they can focus much more clearly on what model and year of car they want to buy.

The other area of Ford credit finance deals tends to relate to either low or zero interest-rate offers. These are normally aimed at customers with a very high credit rating, and quite often customers who have been preapproved as well.

Whilst all these offers can work well, it is worth remembering that a discount is only as good as the price that is being discounted in the first place. Make sure that any offers that are applied in the take effect after a significant negotiation has happened between you and the dealership with regard to the price of the vehicle and any additional extras that you may be  buying.

How to Refinance Ford Credit Loan on Ford Explorer

With the cost of a Ford Explorer rising to potentially US$50,000, the financing of it both at the outset of the purchase and its running costs during its lifetime of ownership become a significant financial commitment and investment.

Many people when buying a car outright tend to get a bit lost in the mystique of a new or nearly new car, and either don’t always pay a huge amount of attention to the financing, or tend to assume that they are getting the best rate they can and move on.

The idea of refinancing a loan from Ford credit is one that should be looked at and considered at any particular stage of the  ownership process.

There are many reasons why people consider refinancing a loan, some of them positive and some of them negative.

The most common reason is to reduce, although it can also sometimes be to increase the size of the monthly payment. The way a loan agreement with Ford credit is structured is that there is a standard rate of interest applied across the entire period of the loan, which is worked out to a single monthly payment that remained the same for that time period.

Refinance Ford Credit Loan on Ford Explorer

This simplifies the whole process significantly from both points of view, but also means that making any changes either to the rate of interest or other terms and conditions of the loan is pretty much impossible.

The interest rate, or whatever interest rate is used is also tied to the size of the down payment as an overall part of the lending criteria, again making it difficult to change during the period of the loan.

This is why people refinance a loan. Making amendments or alterations to the original loan is in practice a difficult, and it’s much easier with a vehicle like the Ford Explorer to simply refinance the whole process.

The practicalities of refinancing a loan on a Ford Explorer are actually quite straightforward, and in many ways pretty similar to the original process. Kate should be taken about approaching companies in terms of whether or not it affects your credit score, but it should be fairly straightforward to find out if it is possible to refinance your original loan and if so on what terms and conditions.

What is Ford Motor Credit Pre-Approval?




Anyone looking for an auto loan, or looking to arrange credit when buying a car or truck, would do well to consider getting  pre-approval clearance from Ford motor credit or Ford credit.

Ford credit is the credit arm of Ford motor company, and offers pre-approval to selected potential customers by way of sharing them for some type of finance or credit agreement in advance of their purchase of the vehicle.

Pre-approval for finance or credit is something that can offer a number of advantages. From a customer point of view, it gives them an idea of how much a lender like Ford motor credit is willing to offer in a general sense, and on what terms and conditions.

It is worth mentioning that it is a always a good idea to get alternative quotations from different lenders and to be able to compare them on a like-for-like basis. Pre-approval will also possibly allow the potential customer access to a range of selected vehicles which may only be offered to pre-approved customers.

Ford Motor Credit Pre-Approval

Ford Motor credit, or Ford credit offer the option of pre-approval to certain customers simply because it can facilitate option of arranging credit or finance on a new or used vehicle, or possibly facilitate the leasing of a vehicle instead.

The criteria for pre-approval will be the same as if it were done at the time of the sale of the vehicle, it simply takes a degree of the pressure off both sides in terms of agreeing something in principle, and then arranging the details at the actual time of the sale itself.

Pre-approval should be thought of as an agreement in principle, subject to the terms and conditions of the lender, and subject to final approval when the sale or lease agreement is concluded.

It should not be thought of as a binding commitment by Ford Motor credit, rather an agreement in principle based on the credit rating and information provided by the individual looking to arrange finance and credit.

How to get Credit on a Ford Fiesta

Arranging credit on a Ford Fiesta, or arranging a car loan is is in theory a relatively straightforward practice, but with the slickness of number of caveats about the creditworthiness of the individual concerned, and how best to negotiate both finance and price when dealing with them both at the same time.

It is a good idea to separate out the two processes, of arranging finance and of buying the Ford Fiesta, even if doing them both at the same time with Ford credit and dealing with a Ford dealership. Both the sale price of the Ford Fiesta and the finance for its can be negotiated separately, and there is room usually for significant savings on both.

For many people the attraction of dealing with Ford credit is that it simplifies the process, in that finance or credit is arranged with the dealership and makes it an all in one package. There is honestly a very real attraction in this, but it can also blur the boundaries between the two processes.

Credit on a Ford Fiesta

Anyone applying for finance or credit would do well to shop around and get alternative quotes from different lenders. It is often suggested that three or four lenders is sufficient. Whilst lenders may vary, many people recommend approaching a bank or a credit union who are regarded as mainstream lenders.

Credit unions are often thought of as a reliable source of loans, but obviously you need to be a member of it in the first place.

Once a number of quotations have been obtained for finance or credit, then it is normally very clear what the consensus amongst these lenders is regarding your credit application. This should put the individual in a fairly strong position in negotiating finance with Ford credit if they wish to pursue that option when buying their Ford Fiesta.

When negotiating the sale price on a Ford Fiesta, it can be a good idea to do this before actually entering the showroom itself. Many dealers expect to do a lot of their price negotiation either over the phone or by the Internet before they actually meet a customer face-to-face.

From a customer’s point of view, the advantage is really that puts them in the stronger position of simply being able to call way from the dealership if they so choose, something that is much harder to do if they are physically in the dealers showroom.

What is Ford Pay?

Ford pay is a general term normally used in two specific areas relating to Ford credit. One is the amount that is actually paid for the vehicle or car, and this can relate both to the sale price and also to the finance that is arranged on it. The other way this time is normally used is when it relates to an issue regarding payment or payment costs once the sale or lease agreement has been finalised.

Anyone looking to buy a new or used Ford car or truck is likely to need to arrange a car loan of some type. A car loan simply a personal loan for the specific purpose of buying the vehicle. It is normally referred to as a secured loan, meaning that the loan is secured against the value of the car.

This means that if for any reason the individual is unable to repay the loan or the fall’s on the loan, then Ford or Ford credit can repossess the vehicle in order to try and reclaim some of their money back.

Ford Pay

It is possible for a car loan to be an unsecured loan, in which case there is normally a higher interest rate charged as there is a greater risk from the lender’s point of view. It is very sad to say that any auto loan arranged with Ford credit is likely to be a secured loan.

Ford pay in relation to Ford credit means that you borrow a certain amount of money from Ford, and agree to pay it back over a fixed period of time. There is also likely to be a down payment, which is an amount of money that you pay in a lump sum upfront at the beginning of the loan.

The balance of the loan will have a rate of interest applied to it, and I will be a fixed monthly repayment cost over the period of the loan which can be anything from 12 months to 5 or six years.

The other time Ford pay comes into usage relates to payment problems or payment issues once the sale or loan has been agreed. These are normally quite common, and rates simply to practical issues that payment transactions.

They can of course be situations when the person who has borrowed the money or arranged the Finance get into financial difficulties and cells and is unable to repay the loan. If this does happen it is crucial that they both obtain independent advice about how to manage their debt, and also to contact their lender at the outset to advise them of the difficulties and range some way of negotiation in terms of resolving the issue.


How To Refinance With Ford Motor Credit




Anyone who has arranged finance with Ford Motor Credit, or Ford Credit, may look at some point at wanting to refinance the deal.

This can sometimes seem a bit daunting, often because people assume it is a similar process to arranging finance or buying or leasing the car or truck in the first place.

In reality, the mechanics of arranging refinance or fairly similar to financing and auto loan for the first time, but the sense of pressure that has often there with an original loan is rarely that when refinancing it.

When someone takes out any type of credit or auto loan, it is often done under the pressure of wanting to buy a new or used car, and wanting to arrange the best finance deal for it at the same time.

Wanting to refinance an auto loan is normally done for different reasons.

Some of these reasons may be due to pressures that arise in the individual’s life, meaning that they need to reassess and change their financial commitments on a monthly basis.

This normally means in some way extending the loan over a longer period of time there by reducing monthly payments.

Ford Motor Credit Refinance

It should be remembered that this is done that there is a greater risk of negative equity on the car or truck, which could have some degree of impact in the event of a need to sell or trade it in for another vehicle.

If a Ford Motor credit loan of any type is refinanced for this reason and on this basis, it is really important to make sure that any gap  insurance is in place, in the event of any type of write-off or accident  to the vehicle.

People also refinance a Ford Motor credit loan or Ford finance arrangement to actually increase the monthly payments as well.

This may sound strange to some, but people  sometimes wants to pay off a loan early, and this can seem an easy way of doing it.

If you are thinking of this option, make sure that there is no penalty charge on the original loan for  paying it off early, and make sure that there is no impact on any other benefits you may have arranged in accord with the original Ford credit loan, such as servicing and maintenance contracts or any type of warranty.

What is Ford Finance Lease?

The term Ford Finance Lease is one needs a slight amount of unpicking in order to clarify two or three main areas of both the credit and leasing implications that come together when someone leases a vehicle through Ford. Ford, in common with most other manufacturers have their own credit  arm, known as Ford credit and this is often referred to as dealership finance, or dealership financing.

It simply means that Ford act as a credit broker essentially, in terms of arranging finance for potential customers in order for them to buy or lease a vehicle.

Ford credit will act in the same way as any other credit broker or agency, or any lending institution in that they will assess an individual’s capability to repay a loan based on their credit score and credit history. This is true whether the individual is buying a new or a used vehicle from Ford,  or leasing one.It should also be realised that there is no place to benefit in terms of Ford credit making a loan available simply on the basis that someone is buying a vehicle through their dealership as well.

Ford Finance Lease

All Ford credit applications will be based on the same merit as they would be if they were being made to any normal financial lending institution.

Leasing a vehicle from Ford has a number of advantages, both for the customer and also for Ford itself. From the customer’s point of view, it allows them to essentially owning a new car or truck at a significantly reduced price than they would do if they bought it outright.

Of course they do not actually  own it in terms of winning the title to it, that is retained by Ford, it should be thought of as essentially a long-term rental with certain terms and conditions. It does however give the customer a sense of ownership, and the look and feel of being in possession of a new car. Other advantages include a manufacturer’s warranty and hopefully reduced servicing and maintenance costs.

From Ford’s point of view, leasing a vehicle brings another customer into the system. Whilst they don’t make the same money as they would from the sale of the vehicle, did you make a significant amount from having a new customer and from revenue that flows from them. This revenue can include short-term and long-term servicing and masons costs, as well as hopefully developing a long-term relationship with the customer which can bring significant revenue.



What is a Ford Credit Auto Loan?

A Ford credit auto loan refers to the type of financial goals action that occurs under Ford credit, which is essentially a secured loan made by Ford to a customer in respect of them buying a new or a used vehicle from a Ford dealership.

Anyone looking to take out an auto loan or a car loan will do so for the specific purpose of buying a new or a used car. If buying through a Ford dealership then there is likely to be the option of applying for Ford credit.

An auto loan with Ford credit is in many ways no different from an auto loan from any other recognised source, such as a bank or a credit union, but many people like the convenience of arranging finance with the same company that they are buying the vehicle from.

It can often seem a simple process to arrange the finance at the same time as the vehicle. Whilst this is true, it can also blur the various areas where negotiation can take place and cash be taken to make sure that both the purchase and the finance are thought of as separate processes.

Ford Credit Auto Loan

The process of a Ford credit auto loan is a secured loan, which is a credit contract. This means that the customer agrees to borrow a certain amount of money from Ford credit, and agrees to repay it on certain terms and conditions shall be agreed and formalised in a legally binding contract.

The type of auto loan that Ford credit is likely to offer will be a secured loan, winning that in the event the customer is unable or does not repay the loan, commonly referred to as defaulting on the loan, then Ford all of its subsidiaries will effectively repossess the car, and may take the steps as well to recover any outstanding debt owed to the company.

This is important, as it reinforces the need to make sure that any auto loan entered into is understood as a credit agreement, and should only be entered into the customer is fairly sure that they will be  able to meet any payments. This often necessitates a serious look at their current and future position financially, and an assessment of any potential risks that may prevent them meeting their obligations. These risks should take into account change in circumstances regarding family, work, health etc.

What is a Ford Credit Account Manager?

People looking for a Ford credit account manager will inevitably be people who have taken some type of loan agreement, or lease arrangement with Ford Credit, normally through a Ford dealership.

This may have been done prior to arranging credit in order to gain pre-approval through the Ford Credit website, or may have been done once the sale or lease agreement has been completed.

The process of arranging dealer financing is meant to be a fairly streamlined and thorough one, that gives the customer a sense of being able to both arranged finance and buy or lease a car with the two processes being joined as one.

This obviously has numerous advantages for both sides if it can work correctly, and is negotiated properly on both sides. It is important however to understand the mechanics of Ford credit as they relate to dealership financing, as I can sometimes be a degree of confusion or mismanagement once the sale or lease agreement has been completed.

Ford Credit Account Manager

Anyone approaching Ford credit either through their dedicated website, or through a dealership, will need to go through the same credit rating approval process as anyone else would do with a standard application for credit to a bank or a credit union.

Ford credit will refer to one of the main credit rating bureaus to process the credit score, and on that basis Ford Credit will be in a position to decide whether or not to offer finance to the individual, and if so on what terms and conditions.

If the offer of credit is made and accepted, then the sale or lease agreement can go ahead and be concluded.

After that has been done, there should be put in place a support system either through the gears up or through for credit where a Ford credit account manager would effectively be in place to help the customer with any queries or problems that might arise once the sale or lease agreement has gone through.

What is unlikely to happen is that the customer will be given a dedicated account manager. It is more likely that for credit will offer a range of support options through telephone to email to written help. Any subsequent approach to Ford by a customer will be dealt with by one of the individuals in that team who will effectively be referred to as a Ford credit account manager.

What is Ford Finance?

Ford Finance is more commonly referred to as Ford Credit relates simply to the credit arm of Ford who can offer finance to potential customers in order to help them buy or lease a new or used Ford car or truck.

Ford finance will typically be offered either through the Ford credit website, or through any recognised Ford dealership.  Any finance on a Ford vehicle that is arranged independently Ford through a bank or a credit union could sometimes be referred to as Ford finance, in that it is simply relating to finance arranged on a Ford vehicle.

Ford finance is a common way for most people to look at negotiating the cost of buying or leasing their vehicle. A few people will buy a car with cash, but the majority will look to some type of finance or credit to fund the sale. What is important in this regard is budgeting.

Whether agreeing a loan with Ford finance  or some other lending institution, it is really important to have a good grasp of how much you can afford to pay, as well as what type of Ford car or truck you want to buy.

Ford Finance

Whilst this might sound obvious, it is very easy to get swept away the excitement of buying a new car, or a relatively new car, and convince yourself you can afford it when in fact you can’t.

A really thorough and honest appraisal of your budget will allow you to know both what you can afford to repay on a monthly basis, and also what the overall cost of the loan would be over  any time period of any loan agreement.

Knowing how much you can afford actually gives you a much greater freedom. This can be reflected by sometimes deferring purchasing the car for a short while asked to build up a larger down payment which would produce how much you have to borrow for car.

Sometimes buying a less expensive model even in the short term can work with a view to trading it in for a bigger one in a year or so’s time. The option of leasing a car or truck should also be looked at, as although it does not give you title to the vehicle, it does at least allow you to have to feel, the look and feel of a new car at a significantly reduced cost as relative to buying it right.

The other option can be to reduce numbers of features or options you may want on the car which can sometimes build up into quite basic and additional burden on the cost,  and the overall final fixed sale price.

How do I Contact Ford Credit Customer Service?

Ford Credit Customer Service will be an area of Ford that anyone who has bought or leased a vehicle may need to contact and deal with, normally once the sale or lease agreement has gone through.

Often dealings with the customer service unit relate to problems regarding payment, although it can also relate to other potential problems concerning vehicle protection plans or servicing and maintenance plans.

The should not put people off, as it is fairly normal for issues to arise once a sale or lease agreement has been put in place. Problems can sometimes occur depending upon how helpful the dealership is from which you bought or leased the vehicle.

One of the best ways of having to avoid using Ford credit customer service in the first place is to be aware of potential problems that may occur prior to buying the car, and making sure they are fixed for any sale or lease agreement is put into place.

Ford Credit Customer Service

Obviously if you are buying a used or second-hand car, there is more of a risk in terms of mechanical reliability and general dependency than if you were buying or leasing a new one. In this event it is a really good idea to have as strong warranty as possible, and also to have the vehicle independently checked by a third-party mechanic or company specialising in this type of work who can evaluate the state of the vehicle, confirm its mileage, and generally advise you that as far as can be told it is in the condition it is stated to be.

If buying a new car, then it is important to be aware of the various elements of negotiating the sale or lease agreement of the vehicle, and as far as possible confirming them with the dealership before signing any final contract. This is simply because prior to sale, you as a customer had the upper hand and any dealership is likely to be significantly more helpful prior to a deal than afterwards.

The best way to contact Ford Credit customer service is through their website, where there will be contact details such as telephone numbers, email and written address. It is worth remembering that once the Ford credit loan has been agreed it may effectively be sold off to a third party who will manage it on  behalf of Ford Credit. In this event, issues relating to the practicalities of managing alone will need to be addressed to the company who has taken the loan from Ford, rather than with Ford credit itself.

What is a Ford Motor Credit Payoff?

People will often look to pay off a loan early, quite often referred to as a Ford Motor credit pay off, or at least look at some way of reducing the cost of their loan, or how much they paid for a lease agreement.

Whilst this can often be a good way of saving money they can be additional costs involved should be taken into account when making any decision to pay off  an early loan. Much of it depends on how the loan is structured in the first place.

Most auto loans whether done through Ford Motor credit or another type of financing institution on what are known as secured loans. This means that they are secured and structured against the value of the vehicle involved in the loan agreement.

Most loans of this type will be structured by way of a fixed loan period, often anywhere between 24 and 60 months, sometimes longer. There will be a fix interest rate for the period of the loan allowing for fixed repayment costs which makes it easier to deal with for both sides of the loan agreement.

Ford Motor Credit Payoff?

Some of these loans will also include some type of penalty clause if they pay back the early. The reason for this is simply that these types of loans are structured so that the interest rates and the amount of interest charged throughout out over the whole period of the loan.

Ford 0 financing is one of many incentives that full operate as a way of inducing customers to buy or lease a new or used Ford vehicle. It may be used either as a national approach to sales or by selected local dealers.

If the loan were only two have been for a much shorter period in the first place a much higher interest rate would have been charged. Any penalty charge there might be will look to give the lender a much higher return than they would otherwise have.

Before paying off any Ford motor credit loan, it is really important to know if there is a penalty clause of any type and if so how much it would be. It is also possible that a penalty clause apply for a certain period of time once alone has been taken out, and therefore it may sometimes be worth waiting until that period is finished before paying off the loan if you are in a position to do so.

The other thing to check is whether paying off a Ford motor credit line would affect any of the vehicle protection plans or any other benefit that you may have had when buying a car or truck. Sometimes pay off a loan will effectively terminate any special arrangements may have been put in place at the same time as the loan as part of a package deal.

That again something worth checking into paperwork relating to the deal, and if necessary going back to the original dealership and checking with them.

It should also be remembered that a Ford motor credit pay off may also relate to the idea of refinancing the vehicle, which is a completely different issue and can effectively be done only on the loan if necessary, as the new lender will structure their leading to take account of paying off the original loan.

How do I get Ford 0 Financing?

Ford 0 financing is one of many incentives that full operate as a way of inducing customers to buy or lease a new or used Ford vehicle. It may be used either as a national approach to sales or by selected local dealers.

It may also be offered at certain times of the year such as Christmas or Black Friday, or on certain models. It may also be offered as a way of trying to get customers to be pre-approved for credit by the Ford website, and may be offered on certain selected pre-approved models. The one thing that most of the ads offering the inducement won’t mention is that it will only be offered to customers with an exceptionally high or good credit score.

All inducements including Ford 0 financing are certainly well worth exploring, and may well end up saving you money if you qualify and can take advantage of them. However it is always well worth being aware that any offer or inducement is only as good in terms of finance as the final sale price of the vehicle.

Whilst Ford 0 Fnancing might be offered to someone and can make a sale look more attractive, if the dealer refuses to certification on price than the buyer could end up in a worse financial position because they are actually paying more for the car even with a low or zero interest rate.

Ford 0 Financing

Rather than simply going by one particular inducement or offer,  it is a good idea to look at the total cost of financing the vehicle, and look at the various component parts that make up the overall cost. Some people will go by simply how much they would pay on a monthly basis, and other people will go by the total overall cost of the sale or lease agreement.

For some people, simply going by how much you pay or repay of a monthly basis makes sense as it allows them to fit the payments into the context of their normal budget. The only danger with this approach is that you lose sight of the overall cost of the loan.

If the overall cost turns out to be significantly more than the worth of the vehicle, allowing for appreciation of the car or truck  over time, then the car goes into negative equity which could potentially be a problem for the owner.

Whilst Ford 0 financing can certainly be a very attractive offer, any potential customer should always remember that many other components of the financing such as monthly repayments and length of term of the loan, as well has many areas of the sale itself that can be negotiated an end up reducing costs. These areas can relate not only to the list price of the vehicle but also to numerous vehicle protection plans relating to the servicing and maintenance that can affect the long-term running of the vehicle.

Benefits of a Certified Pre-owned Ford car

A certified pre-owned Ford car is the industry’s way of talking about what used to be referred to as used cars.

There is no doubt that a second-hand or a used car has eight worse image than a new car, although quite often this image is quite unfounded.

A lot of manufacturers  including Ford, now refer to pre-owned  cars as a way of trying to reassure new customers that they used car can be as reliable as a new one is meant to be.

What a certified pre-owned Ford, should mean is that the car has been checked by Ford, by a Ford dealer and 40 mechanics to make sure that it is in good working order, and that the home they remain problems with it.

This should also be reflected in the warranty that will come with the certified pre-owned car. A local Ford dealer should be able to give a much more detailed breakdown of exactly what has been checked and by whom with the vehicle. There should be a specific checklist of all the major items that have been overseen to make sure that no problems with them.

Benefits of a Certified pre-owned Ford car

Having a certified preowned Ford car is meant to reassure potential customers as to the reliability of the car, and whilst this can be really useful, it is also a really good idea for the potential customer to do a number of independent checks both on the vehicle itself, and some more general search on the model itself.

Researching the model will give you an idea of any problems there have been since launch, and whether or not they have been effectively dealt with. Searching a particular model will also give you a sense of what the general maintenance and repair costs should be of the vehicle, and what the overall upkeep costs including insurance unlikely to work out at.

This information can be tied into the certificate by a Ford dealer for a pre-owned Ford car or truck, and should also be reflected in the type and scope of the warranty that should come with a vehicle as well.


What are Best Auto Loan Refinance Rates

It is very natural to want to get the best auto loan refinance rates, and the simplest way is to go through the process that you went through when obtaining the original auto loan, although your original lender is unlikely to give you a quote or change their rates, although there is no harm in trying.

When applying for any auto loan refinance, it is a good idea to be aware of who is your market in terms of who is likely to be able to offer you a loan.

Many people will have gone to Ford credit for that original loan, as dealership financing and provide a number of attractive options but in terms of combining the finance with the sale of the car, and also the integration of other potential benefits such as warranties, servicing and maintenance plans etc.  There will be a number of other lenders out there, and it is worth being aware of who they are.

Best auto loan refinance rates

In the main they will be banks, credit unions and other finance houses including some online lending bodies. When considering alternative sources of finance, especially when refinancing an auto loan,  it is worth avoiding what are referred to as payday lenders, where the interest rate is extortionate high.

It is difficult to justify these sorts of loans anyway, but at best they should only ever be used for very short term one-off credit arrangements.

What is important, is to be aware of different lenders and to obtain quotes to refinance the original loan from different companies and from different sources. What is important is to be able to compare quotes on a like-for-like basis.

Obtaining different quotes need not be complicated, three or four is probably all that you will need. If you have poor credit or bad credit, or do not have a credit history at all then it may be advisable to go to a specialist lender or broker who can shop around companies that specialize in helping people with credit problems.

Bear in mind said earlier that payday lenders, and bear in mind that companies that specialize in helping people with poor or bad credit are likely to charge higher interest rates that would otherwise be the case, and may in some cases require extra  collateral to secure against the loan.

How Refinancing a Car Works

Refinancing a car loan is actually quite a straightforward process, into far as obtaining any type of credit loan can be straightforward.

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The applicant should need to approach another lender, and request a quotation for another loan, which will in effect pay off the original loan and substitute the new one instead. The new lender will call a certain amount of information before they are able to give  a quotation, which will normally involve quite a lot of detailed information about the  car itself, specific details of the original loan and the amount outstanding on the loan and who the current lender is.

In addition, the applicant will need to disclose much of the same personal and financial information that they disclosed for the original loan, as a new lender will obtain a new credit report credit score and make their decision based on that information.  Refinancing a car loan is primarily about obtaining a new loan from a new lender, but there are also a number of other factors that the applicant needs to consider as well.

How Refinancing a Car Works

Aside from the loan itself, the original purchase is likely to have included some type of vehicle service contracts regarding maintenance and servicing and possibly emergency breakdown regarding the vehicle.

In addition there is likely to have been some type of warranty with the vehicle, either a manufacturer’s warranty or a dealership warranty. There is also the question of gap insurance, and how much that costs and who is paying for it.

In addition, the applicant needs to know or work out if there is any penalty cost to ending the original loan. All these are potential costs which may come into play if the applicant ends the original loan and takes out a new one instead.

In addition, a new lender may impose certain charges of their own on top of any fees or payment costs that the outgoing lender may also levy regarding early termination of the loan.

None of these are necessarily prohibitive in terms of refinancing a car loan, but they are some of the likely costs that could be involved on both sides of the refinancing package, and the applicant needs to be aware of what these costs are in order to determine whether or not a refinancing deal make sense financially both in the short term and long-term.