Welcome to Puente Hills Ford, your gateway to turning "maybe someday" into "today's the day." We proudly serve drivers from Whittier, West Covina, Covina, CA, and beyond, helping people with all types of credit histories get behind the wheel of a dependable Ford.
We can help with subprime credit financing plans if your credit is less than ideal. Learn more about them here, and then contact us to find your next set of wheels.
Subprime credit, often defined as a credit score of 670 or lower per Experian, can make it harder to secure traditional loan approvals. * However, at our Ford dealership, it's not a roadblock; it's simply part of the route.
Here's how we make financing possible:
You can begin the finance process from home by completing our online finance application. If you have questions, don't hesitate to contact us!
While we're happy to help you finance now, improving your credit score can unlock even better terms in your future. Here's how to start:
Late payments can quickly lower your score, while consistent, on-time payments can easily raise it. Use automatic payments or reminders to stay on track.
Your credit utilization, the percentage of available credit you're using, should ideally stay below 30 percent. Paying down higher-balance credit cards can help.
The longer your credit history, the better. Avoid closing old accounts, even if you use them rarely.
Having both revolving credit (like credit cards) and installment loans (like auto loans) helps. Limit how often you apply for new credit to avoid multiple hard pulls on your report.
Financing a car and making each payment on time, can be a powerful way to improve your credit standing. Over time, this track record shows lenders you're dependable and credit-worthy.
It refers to a lower credit score, often below 670, due to factors like late payments or a poor credit history. While it can mean higher interest rates, it does not eliminate your ability to secure financing.
Yes. At Puente Hills Ford, we work with specialized lenders that help drivers with less-than-perfect credit get financing that fits their needs.
It depends on the loan amount, interest rate, and term. Choosing a reliable pre-owned model or offering a trade-in can help lower monthly payments.
Absolutely. Making every payment on time will positively affect your payment history, one of the biggest factors in your credit score.
Your credit history is part of your past. Subprime Credit Financing at Puente Hills Ford is about your future. Our team, proudly serving Whittier, West Covina, and Covina, CA, is ready to help you secure a vehicle that fits your needs and budget while guiding you toward better credit.
We invite you to browse our inventory of new and pre-owned Ford models today. Then, connect with our friendly finance experts to explore your options and take the first step toward ownership.
*Source: Experian
