Ford Financing Centers on the Central Coast

At Southern California Ford Dealers, we make financing your next Ford simple and stress-free. Whether you’re shopping for a new Ford F-150, Bronco, Explorer, or Mustang, our Ford Financing Centers offer competitive loan and lease options tailored to your budget. With locations in Arroyo Grande, Paso Robles, San Luis Obispo, Buellton, Santa Maria, Santa Barbara, Oxnard, Simi Valley, and Thousand Oaks, our finance specialists are here to help you drive home in the Ford you want with flexible and affordable terms.

Why Finance with Southern California Ford Dealers?

Choosing a Southern California Ford Dealers Finance Center means you get access to competitive rates, expert guidance, and exclusive financing specials.

  • Multiple Lender Options – We work with Ford Credit and a network of trusted lenders to find the best rates.
  • Fast and Easy Pre-Approval – Save time at the dealership by getting pre-approved online.
  • Personalized Loan Terms – Choose from various loan lengths and payment plans to suit your needs.
  • Exclusive Ford Offers – Take advantage of regional financing incentives and special lease deals.

Finance Department

The Basic Components of an Auto Loan from Southern California Ford Dealers

Down Payment: This is how much cash you pay upfront for your car and is calculated as a percentage of the overall price of the car. Generally, the higher the down payment, the lower your monthly payments will be.

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Interest Rate: Also known as the A.P.R. (Annual Percentage Rate), the interest rate is the money you pay a lender to borrow their money. Your credit score, the current market rate, the loan term, and the size of your loan impact your interest rate. The lower the interest rate, the lower your monthly payment.

Loan Term: This is how frequently and long you will be paying your loan. Typical loan terms consist of monthly payments made for 3-5 years. The longer your loan terms, the lower your monthly payment will be.

Flexible Ford Auto Financing Options

We provide a range of auto financing solutions to fit your needs, whether you’re looking to buy or lease your next vehicle.

  • Ford Auto Loans – Secure low-interest financing with customizable terms to fit your budget.
  • Ford Lease Offers – Enjoy lower monthly payments and flexible lease options on the latest Ford models.
  • Bad Credit & First-Time Buyer Programs – We work with all credit situations to help you get approved.
  • Trade-In Assistance – Get top dollar for your current vehicle and apply the value toward your new Ford.

Serving the Central Coast of California

With multiple Ford dealerships across the Central Coast, we make it easy to find expert financing assistance near you.

  • Arroyo Grande and Paso Robles – Offering flexible auto loan and lease options for drivers along Highway 101.
  • San Luis Obispo and Buellton – Convenient financing solutions for customers in coastal and wine country regions.
  • Santa Maria and Santa Barbara – Competitive Ford lease and loan rates in the heart of the Central Coast.
  • Oxnard, Simi Valley, and Thousand Oaks – Easy financing and Ford lease specials near Ventura County.

Apply for Ford Financing Today

At Southern California Ford Dealers, we make financing easy. Whether you’re buying a new Ford truck, SUV, or sedan, our finance centers are ready to help you secure the best deal. Apply for financing online or visit one of our Central Coast locations today to explore your Ford loan and lease options.


Apply for Financing