Auto Loans
McDonald Ford's finance department is here to help you find the best financing options for your new or used vehicle. We work with multiple lenders to get you competitive rates, regardless of your credit situation. Serving Freeland, Midland, Hemlock, Bay City, and Saginaw.
Use our trade-in value tool to see what your current vehicle is worth, apply for pre-approval online in minutes, or learn about leasing vs. buying to decide which option is right for you.
How is your credit?
Best — "I never miss a payment!"
- Great New Vehicle APR!*
- Competitive Used Vehicle Rates*
Fill out our FREE credit application to get started.
*Rates subject to change. See dealer for details.
OK — "I've missed a payment or two."
Don't worry — we have special arrangements with local and national lenders who can help. Our finance team works hard to find you the best rate possible, even if your credit isn't perfect.
Fill out our FREE credit application to see your options.
Not So Good — "I need to rebuild my credit..."
We understand that life happens. We have programs specifically designed to help you rebuild your credit while getting the vehicle you need. Everyone deserves a second chance.
Fill out our FREE credit application online— it only takes a few minutes and won't affect your credit score.
Frequently Asked Questions
What credit score do I need to get approved?
We work with all credit situations. Our lenders offer programs for every credit level. Apply online and our team will find the best option for you.
Can I get pre-approved before visiting the dealership?
Yes! Use our online credit application to get pre-approved from the comfort of your home. The process takes just minutes.
What documents do I need for financing?
Bring a valid driver's license, proof of income (recent pay stubs), proof of residence (utility bill), and proof of insurance.
Do you offer special financing for Ford vehicles?
Yes, we have access to Ford Motor Credit programs including special APR rates, lease offers, and Ford Plan pricing for eligible buyers.