Your credit score plays an important role in financing a Ford because it helps lenders determine the type of loan terms you may qualify for, such as interest rate, loan length, and required down payment. While there is no single credit score required to get approved for an auto loan, a higher score can often lead to lower interest rates and more flexible terms, while a lower score may result in higher rates or different lending conditions. That said, we here at Columbine Ford work with customers regardless of their credit situation, including those who have faced past financial challenges! Our finance team can help you find options to get behind the wheel of a Ford while building or rebuilding your credit along the way.

Buying a Ford is still possible even if you have a low credit score, and there are financing options designed to help make it happen! A poor credit car loan is a type of auto loan created for buyers with limited credit history, past financial challenges, or lower credit scores, and it typically comes with higher interest rates to offset the lender’s risk. We can help you find subprime financing, so you can explore options like flexible loan terms, smaller loan amounts, or using a co-signer to improve approval chances. In some cases, making a larger down payment or choosing a reliable used Ford can also help secure better car loan terms!

There are several ways to make your Ford purchase more affordable without sacrificing quality or features. Browsing through our current specials is a great place to start, as it lets you take advantage of up-to-date deals and incentives that can lower your overall cost. Choosing a used or certified pre-owned Ford is another effective option, often providing excellent value and reliability at a lower price point. Some drivers may also benefit from leasing instead of buying outright, which can help reduce monthly payments. Additionally, valuing your trade-in can increase your down payment, helping to lower both your monthly payments and the total amount you finance.

Customers in and around Grand Junction are welcome to visit us here at Columbine Ford to explore our wide selection of Ford vehicles and find the model that fits their needs. Whether you’re interested in a specific truck, SUV, or car, our team is ready to help, and you can easily reach out using the contact form below to ask questions about availability or features. We also make the buying process more convenient by offering online financing applications and helpful shopping tools on our website, including a payment calculator, credit approval options, and more. With these resources, you can plan your purchase with confidence and take the next step toward driving home in a Ford that fits your lifestyle and budget.