Financing Department

At River Valley Ford, we believe that getting behind the wheel of your next Ford should be straightforward, stress-free, and built around your financial reality, not the other way around. Our finance team works hard every day to connect customers with competitive rates, flexible terms, and payment structures that make sense for their lives, whether they're purchasing a brand-new F-150, financing a pre-owned Explorer, or exploring lease options on the latest Ford EV.

How Our Financing Process Works

We've designed our financing experience to be as transparent and efficient as possible. From the moment you decide on a vehicle, our finance specialists take over the heavy lifting, shopping your application across a broad network of lenders to find the best available rate for your situation.

Here's what you can expect:

• A simple application process: complete your finance application in person at the dealership or online from the comfort of your home.
• Fast approvals: in most cases, we can secure financing approval within the same business day.
• Competitive interest rates: we work with major banks, credit unions, and Ford Motor Company financing to find the most favourable terms available.
• Flexible term lengths: choose from a range of repayment periods to balance your monthly payment against your total cost of borrowing.
• Customizable down payment options: put down what works for you, and we'll structure the rest accordingly.
• Trade-in integration: if you have a vehicle to trade in, we'll apply its value directly toward your purchase to reduce your financing amount.

Ford Motor Company Financing

As an authorized Ford dealership, River Valley Ford offers access to Ford Motor Company financing programs, including manufacturer-sponsored low APR promotions, deferred payment options, and special financing incentives on select new models. These programs are updated regularly and can represent significant savings over standard bank financing, particularly on new F-Series trucks, Ford SUVs, and Ford electric vehicles during promotional periods.

Protecting Your Investment

Our finance team can also walk you through a range of protection products designed to safeguard your vehicle and your investment, including:

• Extended warranty and service plans for coverage beyond the factory warranty period.
• GAP insurance: covering the difference between your vehicle's value and your outstanding loan balance in the event of a total loss.
• Tire and wheel protection against road hazard damage.
• Paint and fabric protection to keep your vehicle looking its best over the long term.
• Creditor insurance to protect your payments in the event of illness, disability, or job loss.

Apply Online Today

You don't have to wait until you're at the dealership to get the financing process started. Our secure online finance application takes just a few minutes to complete and allows our team to begin working on your approval before you even set foot through the door. The sooner you apply, the sooner you drive.
Visit River Valley Ford or apply online today, your next Ford is closer than you think.