A Little Knowledge Can Make A Big Difference.
Choice of Vehicle/Trade
The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.
Credit History/Employment
Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.
Down Payment/Interest Rate
The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.
Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.
Factors Affecting Your Credit Score
Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.
To learn your credit score you can contact the three main credit reporting agencies:
Valid Driver's License
Proof of Insurance
Proof of Income
Proof of Residence
Proof of Phone Number
In some cases, you may be asked for additional information. We'll walk you through every step of the way and respect your privacy & concerns. Please make sure your information is current.
Get Directions
Ford Finance FAQs
Find answers to common Ford financing and leasing questions at Gary Yeomans Palm Bay Ford, including online applications, credit factors, payments, trade-ins, first-time buyer options, financing documents, and special Ford programs for Palm Bay-area shoppers.