Get Pre-Approved for Auto Financing
Know your budget before you shop. Our quick, secure application takes just minutes and there is no obligation.
Call Finance: 989-625-3157How Pre-Approval Works
Submit Your Application
Fill out our secure online credit application or call our finance team. You will need basic personal information, employment details, and your desired monthly payment range. The process takes about five minutes.
Receive Your Offer
Our finance team reviews your application and matches you with the best available lenders. You will receive a pre-approval amount and estimated rate, giving you a clear picture of what you can afford.
Shop With Confidence
Browse our new Ford and pre-owned inventory knowing exactly what fits your budget. When you find the right vehicle, your financing is already in place, making the purchase process faster and smoother.
Start Your Pre-Approval
Share a few details to get started — no SSN required to begin and it won't affect your credit. Our finance team will reach out to complete your secure application and find your best rate.
Benefits of Getting Pre-Approved
Know Your Budget
Pre-approval tells you exactly how much you can spend, so you can focus on vehicles that fit your price range without guessing.
Negotiate With Confidence
When you arrive at the dealership with financing already arranged, you can negotiate the vehicle price as a cash buyer, which often leads to better deals.
Save Time at the Dealership
With financing handled in advance, the paperwork at delivery is faster. Many pre-approved buyers complete their purchase in under an hour.
Compare Lender Offers
Our finance team submits your application to multiple lenders at once, so you get the most competitive rate without shopping around on your own.
All Credit Types Welcome
McDonald Ford works with buyers across the entire credit spectrum. Whether you have excellent credit, average credit, or are working to rebuild, our finance team has lender relationships to help you get behind the wheel.
Lowest rates available, including Ford promotional APR offers.
Competitive rates with a wide selection of lender options.
Multiple lender options available. Rates vary by down payment and term.
Specialized lenders who focus on helping buyers rebuild. Higher rates, but we work to find the best fit.
What to Bring When You Visit
Having these documents ready speeds up the financing process and helps us finalize your loan quickly.
- Valid driver's license or state-issued ID
- Proof of income (two recent pay stubs or tax returns)
- Proof of residence (utility bill or bank statement)
- Social Security number
- Trade-in title and registration (if applicable)
- Down payment (check, debit card, or cash)
- References (some lenders require two to three personal references)
- Proof of insurance (can be arranged at delivery)
Frequently Asked Questions
Does getting pre-approved affect my credit score?
Our initial pre-approval uses a soft credit inquiry, which does not affect your credit score. A hard inquiry only occurs when you finalize your loan with a lender, which is standard for any auto loan application.
How long does pre-approval last?
Most pre-approval offers are valid for 30 to 60 days, depending on the lender. This gives you plenty of time to find the right vehicle at McDonald Ford without feeling rushed.
Can I get pre-approved with bad credit or no credit history?
Yes. McDonald Ford works with a wide network of lenders who specialize in every credit situation, including first-time buyers with no credit history, buyers rebuilding after bankruptcy, and those with less-than-perfect scores. Our finance team will find the best available options for you.
What interest rate will I qualify for?
Interest rates depend on your credit profile, loan term, and the vehicle you choose. Our finance team shops your application across multiple lenders to find the most competitive rate available. Buyers with strong credit often qualify for Ford Motor Credit promotional rates on new vehicles.
Can I use my pre-approval on any vehicle at McDonald Ford?
Yes. Your pre-approval can be applied toward any new Ford or pre-owned vehicle in our inventory. Once you select a vehicle, our finance team will finalize the loan terms based on the purchase price and your approved amount.
Quick Process
Get a decision in minutes, not days.
Secure Application
Your information is encrypted and protected.
All Credit Types
We work with every credit situation.