When it comes to purchasing a car, You're in the driver's seat.

When it comes to purchasing a car, You're in the driver's seat.

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Mark Ficken Ford Charlotte NC

We're Here To Help

Like most buyers, you may need financing to get the vehicle you want. What you don't need is a long drawn-out hassle to get it. Our user-friendly on-line credit-application process takes you from start to finish. It requires just a few a minutes of your time and a few personal details which we do not share.

It's really that easy. Get started today.

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A Little Knowledge Can Make A Big Difference.

Choice of Vehicle/Trade

The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.

Credit History/Employment

Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.

Down Payment/Interest Rate

The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.

Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.

Factors Affecting Your Credit Score

Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.

To learn your credit score you can contact the three main credit reporting agencies:

Experian Logo

Experian:

www.experian.com

(888) 397-3742

Equifax Logo

Equifax:

www.equifax.com

(800) 685-1111

TransUnion Logo

TransUnion:

www.transunion.com

(800) 916-8800

What you need to bring with you

Valid Driver's License

Proof of Insurance

Proof of Income

Proof of Residence

Proof of Phone Number

In some cases, you may be asked for additional information. We'll walk you through every step of the way and respect your privacy & concerns. Please make sure your information is current.

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You Make The Choice. We Make It Easy.

Every part of the car buying process should be simple. That includes determining your car payment which is just as easy our pre-approval process thanks to our on-line payment calculator. Just choose your vehicle and we'll tell you what you can expect to pay each month. Whatever your credit situation and budget, we've got a car for you at a payment you can afford.

It's easy. It's quick. It's safe. Get started today.

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Mark Ficken Ford Charlotte NC

Ford Financing FAQs in Charlotte, NC

Our finance team is here to guide drivers in Charlotte, NC through every step of getting a new Ford loan or lease. Here are answers to the questions we hear most often.

How do I apply for financing at Mark Ficken Ford before visiting?
Start with the online financing application. Have your personal, employment, and income information available so you can complete it accurately. Applying ahead of your visit lets you begin exploring financing before finalizing your vehicle choice. An application is a request for credit, not a guarantee of approval or a particular payment.
Does Mark Ficken Ford work with Ford Credit or other lenders?
Mark Ficken Ford states that it works with Ford Credit and additional lending partners for new and pre-owned vehicle financing. Available options depend on your application, vehicle, and lender requirements. Ask which financing programs apply to your purchase and compare the complete terms before choosing. The dealership provides more information in its financing FAQs.
Can I apply for a Ford auto loan if I have limited credit or past credit challenges?
You can discuss your circumstances with the finance team and submit an application for review. Mark Ficken Ford describes financing options across a range of credit situations, but approval is not guaranteed. Your income, employment, credit history, existing obligations, and vehicle choice can affect the decision. Contact the team to discuss what information to prepare.
What documents should I bring when financing a Ford?
The dealership lists a valid driver's license and proof of insurance, income, residence, and phone number among the items to bring. Additional documentation may be requested depending on your application. Confirm what forms of proof are acceptable before your appointment, especially if your address or employment recently changed. Review the finance center's preparation information.
How can I compare financing payments on a Ford F-150 and Maverick?
Request estimates for specific vehicles using the same down payment and loan term. Compare the interest rate, amount financed, monthly payment, and total cost over the loan. Include taxes and fees in the comparison. A lower monthly payment alone does not mean a lower overall cost, particularly when one estimate uses a longer repayment period.
Can I finance a used Ford Explorer or a vehicle from another brand?
Mark Ficken Ford offers financing for new and pre-owned vehicles, and its used inventory includes makes beyond Ford. Financing eligibility and terms depend on the vehicle selected and lender approval. When comparing a used Explorer with another vehicle, request an individual financing estimate for each rather than assuming the same rate or loan length applies. Explore the dealership's vehicle selection.
Where can I find Ford financing offers, rebates, and vehicle specials?
Check the current vehicle specials for offers on selected Ford models. Review the vehicle details, expiration date, required qualifications, and any amount due upfront. Ask whether a rebate can be combined with your financing offer. Advertised programs may apply to specific inventory, and not every buyer or vehicle will qualify.
Should I finance or lease a Ford Bronco if I drive a lot or plan to customize it?
Financing is often worth considering if you expect high mileage, want long-term ownership, or plan modifications. A lease includes mileage and vehicle-condition requirements that should be considered before making changes. Compare the full costs and contract terms for the Bronco you want. Ask the finance team which purchase and lease options are available for that vehicle.
Can Mark Ficken Ford help me explore financing for a Transit van or Super Duty work truck?
Mark Ficken Ford advertises commercial vehicles and a dedicated commercial fleet sales team. Tell the team how you plan to use the vehicle, which configuration you need, and whether you intend to purchase through a business. Ask them to confirm available financing programs and required documents. You can begin by contacting the dealership about your commercial vehicle needs.
Can I finance the Ford I'm leasing instead of returning it?
First, check whether your lease agreement allows a purchase and request the current purchase amount from your leasing company. Then ask Mark Ficken Ford whether financing is available for your buyout, subject to approval. Eligibility and costs depend on your agreement and lender. Review the dealership's Ford lease-end options before deciding.

Have additional questions? Contact our finance team today and we'll help you drive away in your next Ford.

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