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Finance & Lease Options with Ford Credit in Southern California

Getting Behind the Wheel Has Never Been Easier

Choosing your next Ford truck or SUV is the fun part; securing the right financial plan should be just as easy. At Southern California Ford Dealers, we believe that transparent, flexible financing and leasing options are key to a great car-buying experience. Our network of finance experts is dedicated to working with every customer, regardless of their credit history, to find a payment structure that perfectly fits their budget and lifestyle. Stop stressing over complicated paperwork and high-pressure sales. Start your journey with confidence by exploring our options and leveraging our digital tools to save time and money.

Loan vs. Lease: Which Option Is Right for You?

We offer a full spectrum of choices for both new and used vehicles, allowing you to tailor your payment plan.

Ford Financing (Buying)

  • The Goal: Full ownership of the vehicle.

  • Best For: Drivers who plan to keep their vehicle for many years, drive high mileage, or enjoy customizing their ride.

  • Your Benefits: Build equity over time, eliminate future payments once the loan is repaid, and enjoy total freedom with no mileage restrictions or wear-and-tear fees. We offer competitive rates and flexible terms on all new Ford vehicles and used cars, trucks, and SUVs.

Ford Leasing

  • The Goal: Driving a new vehicle with lower monthly payments.

  • Best For: Drivers who want to drive a new model every few years and prefer predictable, covered maintenance costs.

  • Your Benefits: Lower monthly payments than a typical loan, often requiring less money down. You get to drive the latest Ford models with the newest technology and warranty protection throughout the term.

Our finance professionals are ready to walk you through a detailed comparison to help you make the best decision for your financial future.

Accelerate Your Purchase with Our Online Shopping Tools

We empower you to handle the most time-consuming parts of the process online, on your own terms.

  1. Get Pre-Approved Instantly: Our secure, online credit application takes just minutes to complete. Get a financing decision fast, so you know exactly how much you can afford before you start shopping. This speeds up the process significantly when you visit the dealership. Apply for Credit Now!

  2. Estimate Your Payments: Use our simple, online car payment calculator to estimate your potential monthly payments for any vehicle in our inventory. Adjust the term, down payment, and trade-in value to find the combination that works for your budget.

  3. Value Your Trade-In: Maximize your savings by knowing the fair market value of your current vehicle. Contact your local Ford dealer to get a fast, accurate appraisal online to see how much you can put towards your new Ford purchase or lease.

We Work with All Credit Types

We partner with Ford Credit and a large network of local and national banks to ensure we can offer tailored solutions for every customer. Whether you have excellent credit and are looking for Ford Credit's special low-APR financing and exclusive offers, or you are a first-time buyer or have challenged credit, our goal is the same: to find you the best possible terms.

As one satisfied customer noted, our team makes the financial process "smooth and straightforward, and I truly appreciate their honesty and effort." We are here to guide you, not pressure you.

Ready to take the next step toward your new Ford?

Explore all our finance & lease options and let us help you drive home happy today.