Peoria Ford's Finance Department is your auto loan and car lease resource in Peoria, AZ. We want to help you get the right financing for your new or used car, truck or SUV. If you have good credit we will find the most competitive rate out there for you, and if you have bad or less than stellar credit we'll work with you to secure financing or a no credit car loan if your situation demands it. Peoria Ford has strong relationships with a large network of banks and lenders and we are committed to finding you the perfect car loan to suit your finance needs.

Low interest car loans in Peoria are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract to make your leasing or purchasing experience better than you might believe! Our Finance Director Jeff Melton has over 15 years of experience working with financial institutions to get you the best financing possible.You're just a click away from getting the financing you need on the ride you want - get started today!

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Is Car Financing a Good Idea?

The option to pay cash for a new Ford may not be realistic to many Peoria auto shoppers today, so applying for a car loan or taking out a new auto lease are the primary options for you to choose from. You may have heard that a lease is a better idea for many drivers to consider than a loan, but this is not necessarily true for all situations. The reality is that a car lease is ideal for drivers who enjoy driving around in a late-model vehicle at all times and who prefer to always have access to the most innovative features in their vehicle. This option is also well-suited for drivers who do not mind always having a car payment and who are agreeable to having a mileage limit in place on their activities behind the wheel.

On the other hand, a car loan is better suited for drivers who intend to pay off their vehicle and who are looking forward to driving a vehicle at some point that has no monthly payments required. This is also a smart option for drivers who do not want their mileage limited.

A closer look at the fees and terms is also important. With a car loan, you usually have the option to make a down payment or not. There are some loan scenarios, however, when a down payment is required. There is no fee required at the end of a loan term. You simply stop making payments after the balance has been paid in full. Keep in mind that the term length that you select for a loan will affect the amount of your monthly payment. You could choose to make larger payments and pay the loan balance off quickly, or you could extend the term length to six or seven years or even longer in some cases to set up a lower monthly payment. With a lease, you will pay a fee at the beginning and end of the lease. In addition, you will usually have a lease term limit of between two to three years.

Is There a Minimum Credit Score to Finance a Car?

Remember that leases and loans both usually have financing requirements that you need to meet, and our financing team at Peoria Ford will actively work with you to set up financing that works well for you. Regardless of how low or high your credit scores are today, you can expect us to put forth the effort to help you set up affordable auto payments.


Peoria Ford

9130 W. Bell Rd.
Directions Peoria, AZ 85382

  • Phone: 844-877-9033

Finance Hours

  • Monday 7:30am - 9:00pm
  • Tuesday 7:30am - 9:00pm
  • Wednesday 7:30am - 9:00pm
  • Thursday 7:30am - 9:00pm
  • Friday 7:30am - 9:00pm
  • Saturday 7:00am - 9:00pm
  • Sunday 9:00am - 7:00pm