Special Financing for Credit Challenges Found Here!

Credit challenges can happen to anyone - don't count yourself out if you have poor credit, we can offer special financing to get you behind the wheel and back on track.

Life is a tricky balance, and with one curve ball, sometimes credit accidents can spiral out of control-but no matter the reason you have poor credit, here at Tracy Ford, we work with lenders who specialize in financing solutions for people with credit challenges, so you don't have to count yourself out of that new Ford Focus, Fusion, Escape, Edge, Mustang, Explorer, or F-150 just yet.

Special Financing Helps Stockton Area Drivers Get Back On the Road

Special financing for credit challenges can actually be a way for drivers from Tracy, Livermore, Stockton, Patterson, and Lathrop, CA to build back strong credit with consistent on-time payments. Your credit score shouldn't hold you back from living life, and that's why we take pride in offering special financing to help people get back on the road and back to building up their credit.

Frequently Asked Questions About Special Financing for Poor Credit:

What will my monthly payment be?

It's hard to say upfront what you'll be paying monthly. Payments are based on a culmination of factors, including overall cost of the vehicle, size of down payment, and your credit history. If you're interested in what your monthly payments might look like, take advantage of this handy payment estimator to help ballpark your payments, giving you a clearer idea of what you'll be working with.

Do you offer financing for new & used vehicles?

Yes! You can apply for credit to financing both new or pre-owned vehicles-the decision is yours!

Will financing a car with a loan make my credit even worse?

There's no one answer to this, but we can say - probably not! As long as you pay your monthly payments on time and completely, you can actually improve your credit score with an auto loan. By making consistent on-time payments, you demonstrate to future lenders that you're less of a risk than you were before, repairing your credit score along the way.

My credit isn't bad, I just don't have any. What now?

We love to work with first-time buyers. While your credit isn't bad, you might still want to ask about special financing conditions to help you start building a credit history-a car loan is one excellent way to establish good credit!

I'm feeling ready, what comes next?

The next step in the process is finding the new or pre-owned Ford model that piques your interest. From there, you can come in to speak with our financing experts, or simply give us a call at (888) 722-1914 to discuss the credit options we have for those with credit challenges!