O'Brien Ford

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No or Low Credit? We Can Help!

Ford Maverick InteriorWhen you’re ready to complete the Ford credit application, make O’Brien Ford of Shelbyville your first stop. We believe that Ford vehicles should be available to every driver, and we’re dedicated to working with your new vehicle purchasing needs. These are just a few steps you can take on the Ford purchasing process if you have low or no credit and some ways our dealership can help.

O’Brien Ford of Shelbyville Financing Support

A high credit score is typically required if you’re looking to lease a new vehicle, but the same isn’t necessarily true if you’re buying a new Ford vehicle instead. While a lower credit score may make for less favorable terms, you still have financing options available if you’re interested in buying.

 We also offer specific options and programs to help drivers just like you. Simply navigate over to our Ford financing page, where you’ll find information on auto loans if you have different types of credit. We offer a credit rebuilding process that will allow you to take home a wide range of vehicles, even if you don’t have perfect credit, and it all starts with the credit application here at O’Brien Ford of Shelbyville.

Consider the 20/4/10 Rule

You can begin setting your budget in a few ways, even if you don’t have perfect credit. This includes the 20/4/10 rule, which can be helpful if you’re looking to rebuild your credit score. Start by putting down 20% of the vehicle’s total value, set your term for four years, and try to keep your monthly transportation costs below 10% of your monthly income. Our Ford payment calculator can be used to help you set your budget appropriately.

Alternatives to Consider

Whether you have low or no credit, you do have options. If you have time, consider building or raising your credit score. You can do this by paying down debt and paying your bills regularly. It’s imperative to get your credit usage below 30%. You’ll also want to research and compare lender options or find alternative lenders if the term conditions are more favorable.

Ford Financing Help is at O’Brien Ford of Shelbyville

No matter what your Ford financing needs, O’Brien Ford of Shelbyville is here to help. Visit our dealership to start the application, explore Ford specials, and take home the perfect Ford vehicle today.

Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title, and license charges. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week.