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(855) 574-3635
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301 East Main Street, Branford, CT 06405

Ford Credit Overview and Frequently Asked Questions.

What is "credit"?
Credit is a record of your financial history and is essential for borrowing money. Your credit worthiness is rated and monitored by three credit reporting agencies and FICO. The scores they give your credit represent the likelihood that a person will repay their loans. A person's score is determined by their borrowing history as well as other variables. Below you'll find answers to frequently asked questions about credit reports and credit scores. If you have additional questions, don't hesitate to contact our Finance Department.


Benefits of Buying
Buying has several advantages and provides unique benefits:

  • No mileage limitations or excess wear and use changes.
  • Customize your vehicle at any time the way you like it.
  • Each payment helps build vehicle equity towards future trade-in. 
  • A variety of popular terms are available.

When contemplating purchasing, consider GAP Coverage. In the even of vehicle loss, this optional product steps in when insurance proceeds do not satisfy your contractual balance owned.

Benefits of Leasing
Lower payments. Flexible lease terms. Mileage based on driving preference. What's not to like? Leasing may allow you to make lower payments compared to comparable term financing. You also have the flexibility of three great options at lease end:

  • Purchase your leased vehicle at a predetermined price.
  • Return your leased vehicle (after fulfilling your lease-end obligations.
  • Variety of terms including our popular short-term 24 and 36-month leases.
  • Seven mileage options.
  • Customize your vehicle at any time of purchase with approved accessories.
  • Advance Payment Program (APP) Option.

I'm a first-time buyer. What should I know?
Don't panic. Even if you have no previous vehicle buying experience, our First-Time Buyer Program can give you the opportunity to enjoy a new Ford vehicle of your own. Buying a car is one of the most important financial decisions you'll ever make. That decision gets even bigger when you've never done it before. But here's the good news: our friendly experienced sales consultants will help you find answers to all your questions, as well as provided tips to make your vehicle purchase a smooth experience. Our goal is to get you into the vehicle - and finance option - that's right for you.

Why Ford Credit?
There are many reasons to go with Ford Credit. But probably the biggest one is our direct connection to the Ford Motor Company. We're experts in automotive financing, and we work directly with Ford to create the programs that benefit our customers the most.

More Than Financing
In addition to financing, we provide the latest Ford vehicle information, special offers and even credit pre-approval for your next Ford purchase or lease.

Did we mention we also finance products that protect your vehicle and your investment?

Well, we do. We offer maintenance programs that can save you money. Like programs that can protect you against lease-end excess wear and use charges, if you choose to lease. None of this, of course, is available from banks and other lenders.

More Ways to Manage Your Account
WIth Ford Credit, you can pay your bill, set up automatic payments, edit your profile and much, much more anytime - 24 hours a day, 7 days a week. All of this can be done online via computer or your mobile device.

I have bad credit, what should I do?
If you have less than perfect credit, don't fret; you're not alone. Millions suffer from bad credit because of a variety of reasons. To improve your credit, start by betting reports from all three reporting agencies. This will shed light on what exactly is impairing your credit. Credit reports may contain inaccuracies that you can correct to help get your credit back on track. Paying down high balances and paying on time will go a long way to improving your credit.

What is a good credit score?
Credit scores range between 300 and 850. Typically, a good credit score is above 700. The higher the credit score, the more likely you'll be able to obtain credit and/or secure a lower interest rate.

How do I maintain a good credit score?
For those who already have a good credit score, rest assured that it's much easier to maintain a good score than to improve a poor one. Good credit can be maintained by adhering to healthy financial habits, such as making payments on time and shopping on credit only when it's absolutely necessary. Avoid making dramatic credit changes and don't close old accounts.

Quick Contact
Sales Hours

Mon - Thurs  9:00am - 8:00pm
Fri  9:00am - 6:00pm
Sat   9:00am - 5:00pm
Sun  Closed

Sales
855-574-3635



Ford of Branford Finance Department

Find and finance your next pre-owned Ford at Ford of Branford Finance Department.