Getting credit from a Ford dealership will depend very simply on the creditworthiness of the individual, and whether or not afford credit determines that they will then the individual money and if so on what terms and conditions.
Getting credit finance to buy or lease a car is in theory quite a simple and straightforward process, but the reality of getting a loan will not and how much you pay for it can also be quite laborious.
A Ford car dealership will normally be in a position where they can invite applications from potential customers for pre-approval of credit or finance, that will normally be arranged with Ford credit which is the finance arm of Ford itself.
These types of arrangement will normally be done on a strictly commercial basis, and loans agreed or not as would likely happen with another lending institution such as a bank or a credit union. It is always a good idea in obtaining credit or financial any personal loan to obtain quotes from a few different sources, in order to be able to compare them on a like-for-like basis.
Credit from Ford Car Dealerships
Someone who is deemed to have bad credit poor credit is often reluctant to approach a Ford dealership finance as they assume that there will either not be accepted, or if they are it will be on unfavourable terms and conditions.
Often people would be well advised to approach a Ford dealer who is likely to have significant experience of obtaining finance and credit, and may well be in a position to help individual secure some time secured loan on their vehicles.
It should be remembered that it is in the dealership’s interest to help you obtain finance, but it is not in their interest or yours for them to help you obtain finance a cannot afford. It should always therefore be open and transparent about what the Ford dealership is doing and not doing and who they are approaching in order to try and arrange credit or finance for a vehicle.
Ultimately the question of an individual being able to obtain credit from a Ford car dealership depends on their credit score, and as such it is normally a good idea for the individual to obtain a copy of their credit report prior to obtaining quotations from Ford credit or anyone else, and making sure that the credit report is accurate and up-to-date, which will allow for a accurate credit score to be reflected based upon it.