The Inland Empire is the 13th populous metropolitan area stretching 27,000 square miles. The region is geographically larger than ten states. Cars are necessary for many Inland Empire residents, but it can be hard to know where to start with many dealerships present.

When you buy a vehicle, many things have to come together. You have to find the right car at the right price and whether you need financing. Many people think they have to go through their bank to get a reasonable interest rate on their car loan. 

However, did you know that your Ford dealer Inland Empire can help you secure auto finance? Read on to learn more.

What is an Auto Finance?

Auto finance is a broad term covering anything from leasing to taking out a loan. When most people think of auto finance, they are thinking about loans. A car loan is when you take out a loan from a bank or a lender to purchase a car. The loan term’s length depends on the value of the vehicle, your credit score, and your income. 

Your Ford dealer can help you secure auto finance through Ford Credit. It is the financing unit of Ford Motor Company. They offer various financing options to help you get the car you need. 

Steps Involved in Applying for Auto Finance via a Dealer: 

A few steps will need to happen when applying for auto finance. The starting step is to find the car you want. Once you have found the car, take a test drive and make sure it’s the right fit for you. 

Once you have decided on the car, it’s time to start the financing process. 

Step 1: Fill out The Application.

You can do it online or in-person at your Ford dealer in Inland Empire. The application will ask for personal information such as your name, address, and Social Security number. 

It will also ask for employment information and income. Be sure to have this information ready when you start the application.

Step 2: Get Approved

Once you have applied, it will be time to get approved. It is where your credit score comes into play. If you have a good credit score, you have a better chance of getting approved for an auto loan. 

And if you have a bad credit score, it is okay. There are still options available to you. Your Ford dealer Inland Empire can work with you to find a loan that fits your needs. 

Different Auto Loans Available

Combined loans for new and used vehicles hit $1.01 billion in 2012 in Inland Empire.

 You can apply for many types of auto loans according to your requirement. 

1) Fixed-rate Auto Loans

A fixed-rate loan is just what it sounds like it’s fixed. The interest rate on the loan will remain the same for the loan term. It can be helpful in budgeting, as you know what your payments will be each month. 

If interest rates go down after you take out your loan, you won’t benefit from the lower rate. 

Fixed-rate loans are typically available for 36, 48, or 60 months. 

Your Ford dealer can help you secure a fixed-rate auto loan.

2) Variable-rate Auto Loans

A variable-rate loan is a type of loan where the interest rate can change over time. The interest rate depends on an index, such as the prime rate. 

If the index rises, so does the interest rate. If the index reduces, your interest rate will go down as well. 

Variable-rate loans have lower interest than fixed-rate loans. However, the monthly payments can go up or down, making it difficult to budget. 

If you think a variable-rate loan is right for you, your Ford dealer can help you secure one.

Benefits of Choosing a Ford Dealer for an Auto Loan

Here are a few benefits of working with a Ford dealer for a car loan

1) Convenient

Working with a Ford dealer for an auto loan can be convenient. You can do everything in the same place, from filling out the paperwork to test driving the car. 

2) Trusted

Ford dealers have trusted sources for auto finance. They have been in this business for years and work with various lenders. It means they can find you a loan that fits your needs, even if you have bad credit. 

Your Ford dealer would want you to be happy with your new car, and they will do their best to make sure the process is a smooth affair.


When it comes to auto finance, your Ford dealer Inland Empire can help. They have years of experience handling various lenders and can find a loan that fits your needs. Be sure to take advantage of their knowledge and expertise when it comes to financing your next car.


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