Let’s face it, not everyone loves dealing with the process of applying for a loan. The process can become confusing and stressful for many people, but at Kearny Pearson Ford, we are dedicated to helping relieve some of this stress for you. Our experts at our San Diego Ford financing center will be sure to provide clear communication and guidance to help you get a good deal on your loan towards your new or pre-owned Ford car.

Applying for a Car Loan

The first step in your loan application process is to check your credit score. Generally speaking, if your credit score is high, it will be easier for you to get approved for a loan and you can expect lower interest rates. Conversely, lower credit scores make it harder to get approved and result in higher interest rates. Knowing your credit score will prepare you for what you can expect to pay.

You should then decide your budget on spending each month for your car, factoring in your income along with your other financial responsibilities.

Your next step is to fill out our online financing application to get pre-approved for the loan you will need to buy a car within your budget. From here, you will be able to take a more serious look at some of our vehicles in our stock that match your needs and your budget.

Our Finance Department

Many people stress out about the financing process if they have little or no credit. But at our Ford finance center, we are experienced in getting drivers approved for the loan they want, even if they have little to no credit history. Get pre-approved today and head over to our Ford dealer in San Diego to test drive an exciting car that could be all yours.