Auto Financing 101: How To Get Pre-Qualified

I Want Credit For A Car…Where Do I Start?

You just found the car of your dreams—but how do you know you’re qualified for a loan? The best place to start is by getting pre-qualified at our Ford finance center. Instead of filling out a full credit application out of the gate, a pre-qualification helps you get an idea of the types of loans you can receive to help you plan in advance—all without needing to perform a hard pull on your credit first. See how you can get behind the wheel of your favorite Ford vehicle today by visiting Spitzer Ford DuBois, proudly serving the Clearfield, PA, area, and getting pre-qualified before filling out a full car credit application.

But First…What Is A Pre-Qualification?

Just as the name implies, a pre-qualification lets you know what types of auto loans you can receive before filling out a full application. Before even heading to the dealership, getting pre-qualified helps you set your budget straight and get an idea of the types of cars you’ll likely fit into your financial plans.

The other major benefit of a pre-qualification is that we won’t perform a hard pull of your credit first. Since you’re working with a soft pull, this process won’t impact your credit score, which means you can see if you qualify for a loan that works for your plan first (if at all). So, no need to worry about not scoring the terms or interest rates you want and your score plummeting, as a pre-qualification nearly removes the full risk.

How Do You Get Pre-Qualified?

Getting pre-qualified takes literal minutes—and best of all, you can get started now from the comfort of home, your office, or the lobby. Start by visiting the Ford website finance page and clicking “Get Pre-Qualified.” From here, take five minutes to fill out super-basic information, like your name, birthday, address, and gross yearly income. Then voila, you’re good to go with a pre-qualification that’s good for 180 days.

Next, head to our dealership, and search for vehicles that fit into your budget and financial plan. For extra help, speak to a team member, and we’ll even help you find a vehicle that fits your style and pre-qualification information, from a sporty Mustang, a rugged F-150, a savvy Edge, or virtually everything in between.

I’m Ready To Get Pre-Qualified: Where Do I Start?

When you’re ready to get pre-qualified for a vehicle, either contact us at Spitzer Ford DuBois near Osceola Mills, PA, or head to the official Ford website now and enter basic information. From here, we can help you find the ultimate vehicle and fill out a car loan application to assist you in driving home in your dream car. Our team is also here to assist you in any way possible, so let us know if you have questions or need help with any of the applications—it’s only the start of how we put your needs first.