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Does Credit Impact Your Ford Lease?

When you’re car shopping, it’s always good to have choices. And at Waconia Ford, those choices go beyond our selection of new Ford vehicles.

It’s also our generous Ford financing, highlighted by a Ford lease program that’s hard to beat. If you’re wondering whether your credit will keep you from the car, truck, or SUV you need, we’ve got answers.

How Credit Matters for Your Ford Lease

Regardless of what you’re financing — new Ford vehicles, or a pick from our selection of great used cars — or how you’re financing, the process at Waconia Ford is the same: it starts with a credit check. Your credit score will be weighed along with your payment history, credit utilization, and the vehicle you’ve chosen in order to determine what you qualify for.

Getting Help with Ford Leases and Financing

You’ve probably heard that leases and Ford finance offers are for “well-qualified buyers and lessees.” That “qualification” is determined, in large part, by your credit rating. But what if you don’t have one, or if you do but it’s a lot lower than you’d like?

Your Ford dealership near Eden Prairie works with numerous lenders outside of Ford Financial Services. That lets us offer you alternative financing — including alternatives to a Ford lease — so we can offer something to nearly everyone.

Ford Financing: Understanding the Big Picture

Nobody likes surprises. That’s why it’s a good idea to check your credit score before you visit. Your APR or lease payment will be higher the further below 700 your credit score is.

There are ways to help yourself, including identifying and fixing inaccurate items on your credit report, understanding your finances and budget, and even paying down credit cards to improve your credit utilization. Once your lease or loan goes through, keeping payments on time also preserves or improves your credit score.

Car Lease Alternatives

Even if your credit is spotless, your driving habits may mean that leasing isn’t the best available option. Long commutes, or a lot of wear and tear, can make a car loan the smarter choice.

When you stop by Waconia Ford, we’ll help you make sense of it all so you can come to an informed decision. All options, from your vehicle trade-in value, to loans, leases, and even extended protection programs, are on the table. You won’t just get a new vehicle that’s the perfect fit; you’ll get financing that’s tailored to you, from a dealership that always has your back.