We Get You Financed
Regardless of your credit situation, Brighton Ford offers financing for almost everyone! No credit, bad credit, repossession, or bankruptcy are not necessarily a problem when you finance a vehicle with Brighton Ford! We work with 33 lenders to offer you the best possible rate! Based on approval. See dealer for details.
0% Financing Available on Service Plans
Flexible coverage, whenever you need it.
Purchase a service plan separately from your loan or at any time afterward with a convenient 0% financing option. Ask us how you can protect your investment while keeping payments manageable.
Request a Service Plan Quote
Get personalized coverage options for your vehicle.
Complete the form below to request a warranty quote. Once we receive your vehicle and contact information, our team will review its history, research the available options, and contact you to discuss coverage that fits your needs.
Service Plan Quote
Request My Quote
Your privacy matters to us. View our privacy policy to learn more.
Meet Our Team
Our experienced Finance Managers are standing by to help you! Their expertise ranges from financing to warranties to insurance. They are all dedicated to helping you get Guaranteed Approval.
Start Your Deal
Our online tool "Start Your Deal" puts you in the driver's seat of your deal! You can adjust terms, down payment, and more from the comfort of your home. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If you have questions or want to speak with someone at any point, you can call us at 1-800-NEW-FORD.
Apply Now!
Excited to take the next step? Apply for credit today by clicking the button below! Just fill in your details, and our team will guide you through the process. Whether you're buying or leasing, we aim to make it straightforward and seamless.
Apply for Credit
Need More Information?
Looking for common questions?
Don't worry! We've got you covered! Whether you're diving into your first big purchase or need guidance along the way, we're here to make sure the process is smooth and stress-free. Scroll to see common questions and everything you need to know before you finance a vehicle through Brighton Ford!
What Is Financing?
General Overview
Financing a new vehicle is rather straightforward. At Brighton Ford, we work with multiple lenders in the area to offer you the best possible rates and programs. An auto loan typically comes with a down payment and then monthly payments that follow, based on your term, interest rates, and other key considerations. The larger your down payment, the lower your monthly payment may be. Our Finance Managers will help you find the down payment and monthly payment that fits in your budget.
What If I'm Coming in Person?
We may ask for additional documents or identification, but bringing the following to apply for financing is a good start:
- ✓Driver's License
- ✓2 most recent pay stubs
- ✓Utility Bill in your name (make sure it shows your home address)
First Time?
Here's What You Need to Know...
To help you with your first vehicle purchase, we offer the First Time Buyer Program. This program is designed to assist those that have little to no credit. We walk our first-time buyers through the car-buying process, ensuring that every purchase is an informed one. We work hard to make this purchase not only exciting, but also simple and hassle-free.
At Brighton Ford, we understand that buying a car for the first time has the potential to be stressful. After all, it is one of the most important financial decisions you'll ever make!
Auto Financing 101
What You Need to Know to Lease or Purchase a Vehicle at Brighton Ford
The Brighton Ford auto financing team strives to make financing your new or used vehicle as seamless and stress-free as possible. Our finance team works with competitive rates and various lenders to provide you with the best financing options available. We understand that each customer's financial situation is unique, and we are committed to finding a solution that works for you.
At Brighton Ford, we believe that everybody deserves a great Ford model to maximize their potential on Michigan roadways. Don't let the financing part get in the way; we'll take care of all the heavy lifting!
What About Service Plans?
Our experienced Finance Managers are here to help! Whether you just purchased your vehicle or your current warranty is about to expire, we can help! Please contact one of our Finance Managers directly and they would be more than happy to give you a custom quote to protect your vehicle!
Learn More
Want to Speak to Someone?
Have questions about the Ford financing process? Our experienced finance team is here to help. Simply input your contact information into the form on this page and a Finance Manager will respond to you and answer any questions you may have. You can also apply for credit right from our Finance tab! Brighton Ford is making the car buying (or leasing) process as easy and simple as possible!
Contact Us
Q&A
How much will I get pre-approved for?
The loan amount that you will get pre-approved for is based on a number of factors including credit score, credit history, income, employment history and amount of down payment. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
How much money down will I need?
Your down payment can vary. The more money you put down, the less your monthly payment will be. If you have subprime credit, sometimes increasing the amount of money you put down will increase the number of lenders who will offer you financing. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
Can I use my trade as my down payment?
You absolutely can! Additional money, however, may be required if there is a lien on the automobile that you are trading in. You can get an accurate value for your trade online when you "Start Your Deal." To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
Will inquiries affect my credit rating?
When you submit a credit application with Brighton Ford, we work with many lenders to ensure we don't have to continually pull your credit. If you are getting quotes at multiple dealerships (especially ones that only have one lender) too many inquiries can negatively affect your credit. When you "Start Your Deal" on our website, you can start to build your own deal and then change vehicles if needed so we don't pull your credit more than necessary. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
What are the minimum qualifications to get approved?
There are no minimum qualifications to get approved for automotive financing. At Brighton Ford we offer Guaranteed Approval for our customer and will work with you, various subprime lenders and your terms to ensure you're approved! There are many factors that will determine your rate such as credit score, credit history, income, employment history and amount of down payment.
I've filed for bankruptcy in the past. Can I still get financing?
Yes, you can get financing as long as the bankruptcy is discharged, or you have an Authorization to Incur Debt from the bankruptcy trustee. At Brighton Ford we will work with you and various subprime lenders to offer you the best financing options possible.
I don't have any credit history. Can I still get financing?
Yes! Brighton Ford offers several first-time financing options and programs. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
Do I need a co-signer?
Not necessarily. A co-signer may be an option for a buyer who does not comply with the credit requirements or may help to get a better offer presented. The best option is to start the process of choosing your next vehicle and apply for financing. One of our experienced Finance Managers will reach out to you if you may want to consider adding a co-signer. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
Can I use an auto manufacturer's employee discount (A-Plan, X-Plan)?
Absolutely! With our "Start Your Deal" tool you can adjust your employee discounts from the comfort of your home. If you're unsure of what plans you qualify for, give us a call at 1-800-NEW-FORD and we will gladly help you get every discount plan and incentive you qualify for. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
Another dealership declined my application. Can you help?
Absolutely! Brighton Ford offers Guaranteed Approval by working with several lenders, many of which specialize in subprime financing. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
What will my monthly payment be?
Your monthly payment will be determined by a few factors such as the price of the vehicle, how much money you use for a down payment, terms (how long the loan will last) and interest rates. When you "Start Your Deal" on our website, you can start to build your own deal and then change vehicles if needed so we don't pull your credit more than necessary. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
What interest rates do you offer?
Brighton Ford works with several lenders to offer you the best possible interest rate. The actual interest rate may vary based on many factors such as your credit score, the total amount of your loan and how much money will be used for a down payment. When you "Start Your Deal" on our website, you can start to build your own deal and then change vehicles if needed so we don't pull your credit more than necessary. To get started, browse our inventory and simply select "Start Your Deal." This tool allows you to build your own deal online from the comfort of your home. If at any point you have questions or want to speak with someone, you can call us at 1-800-NEW-FORD.
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