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Searching for auto financing guidance? Lean on the experts at Sunnyvale Ford for helpful automotive financial expertise. Regardless of your financial background or car-buying experience, our skilled auto financing team is committed to helping you secure the right auto loan for your needs. Visit our Ford dealership in Sunnyvale to explore our fantastic selection of new and used Ford models and get the essential financing assistance you seek.
Dive into our comprehensive auto financing FAQ to see key advice and recommendations tailored for California drivers. Learn practical tips and finance strategies from our General Manager, Jim Popal, for securing the most suitable Ford prices for you and your family.
Auto Financing FAQs
What are the current interest rates to buy a car?
Interest rates shift frequently. There are several factors that can affect interest rates -- your credit score and history, age and miles of the vehicle (if used) and special factory finance offers. The best way to get an accurate interest rate quote is to pick a vehicle and work with your local dealer to find you the best rate.
How do I get a good interest rate?
To get a good interest rate, it is important to maintain a good credit history and work with your nearby California Ford dealer to shop the best rates based on the vehicle you choose.
How much of a down payment do I need to finance a car?
Your down payment amount depends on the vehicle you choose and your credit score. While you don't have to place a down payment, the more down you provide the lower your monthly payment will be.
What additional costs will I be responsible for when buying a new car?
You will be responsible for taxes, registration and documentation fees.
How can I find the value of my trade-in?
For the best and most accurate value, contact our local CA Ford dealer to schedule an in person evaluation or value your trade online.
Does my credit score impact my loan rate?
Yes, the better your score and history, the better your rate will be.
I have a low credit score -- can I still finance a car?
Yes, when you pick a vehicle within your budget and place a good down payment, you'll receive more help with getting qualified for financing.
I don’t have a credit history yet -- can I still finance a car?
Yes, there are plenty of first-time buyer options available for California drivers who don't have a credit history.
What's the best length for a car loan?
Depending on the vehicle, special financing may be available for different term lengths. This changes all the time, so it is difficult to pinpoint one “best” car loan length.
Can you offer a better interest rate than my pre-approved rate?
Possibly! It depends on your credit score and history. Speak to our Ford financing experts to learn more.
Can I reduce my monthly car payments down the road?
You will have to refinance to lower your car payments. Most loan terms and car payments are set for the life of the loan.
Can I sell my car while I’m still paying it off?
Yes, you will either receive the equity if your vehicle is worth more than what you owe, or you may have to pay off the difference of your loan from the vehicle value.
Can I add a warranty when I buy a car?
Yes! We recommend that you add a warranty with any large investment such as a car purchase.
Should I finance through the dealership vs. a local lender or credit union?
Unlike local lenders, our local Ford dealer will shop different banks and credit unions to find you the best finance options available.
Local CA Ford Finance Center
If you have any further questions, don't hesitate to contact Sunnyvale Ford and consult with our exceptional auto financing team. We'll be happy to help you buy a Ford truck, hybrid, EV or SUV nearby!