As if the stress of deciding on a vehicle is not enough to handle, the idea of vehicle financing may just make the stress double for you. Maybe you just don't understand financing, or you just don't have the time for all of the research into it.

We understand the idea of financing can be overwhelming, and that's why we are here to help take that stress off your back. Purchasing a vehicle is a major decision that shouldn't be taken lightly. Our trained professionals have the training and experience needed in financing and Ford Credit to make sure that you are fully informed about the options you have, both in-person and online.

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What is Ford Credit?

When you are looking into financing a Ford vehicle, the name Ford Credit will come up a lot. Ford Credit is options managed by the financing arm of Ford (Ford Motor Credit Company). Because Ford has the ability to manage financing within its own company, you benefit tremendously. Using Ford Credit cuts out the middleman of finding a lender. You will also have access to better deals on vehicles and the ability to make and track payments on Ford Credit's website. There are Ford financial options for all levels of financing, even if your credit is not approved.

Start Your Financing In Person With Our Professionals

Our financial professionals want to help you find what options work specifically for your lifestyle and budget. When you come to our location, we will work with you at your own pace to make sure you are making a comfortable, informed decision. Sit down with us after you have made a vehicle decision to find offers available for your specific vehicle, or you can start out with financing to see which vehicles will fit in with your budget. We are sensitive to the fact that each individual has a unique situation, so we are prepared to set up a unique financing plan for any situation.

It's Easy to Apply Online for Ford Motor Credit Financing!

If you're not ready to come in and speak in person with one of our trained Ford financing professionals, don't worry. We have many resources available on our website to help you find the answers you're looking for from the comfort of your own home.

You can apply for Ford Credit through the application on our website to find out instantly what financing options are available to you. If you still are not sure which vehicle is right for you, that's okay! You do not have to have a decision made to apply for Ford Motor Credit. The online application consists of three easy steps:

  • Apply. Through the application, you'll need to submit some personal information so get an accurate estimate of your credit. But don't worry --  all of your submitted information is kept safe by encryption and will only be used to help make a decision on your credit. Your personal information will never be sold or distributed.

  • Review and Submit. After entering all of your information, you will need to take a minute to make sure that everything is correct before submitting. Make sure numbers are in the right order, names are spelled correctly, and then go ahead -- hit that submit button!

  • Drive. After submitting, you will get your results instantly through a certificate. Your next step is simple! Print out the certificate and bring it to our professionals at City Ford in Columbia City, Indiana. We're waiting to help you!

Not quite ready to apply yet, but still have some questions that you need answered? Our website offers the ability to chat with a vehicle specialist. Our trained professionals are ready and waiting to help with any question you may have about vehicles or the Ford Motor Credit financing process.

Other Tools Available on Our Website

The finance section of our website also features two other tools to help make sure you're getting the best deal possible if your financing process includes trading in your current vehicle. Both the Kelley Blue Book official guide and Edmunds MyAppraise Trade-In can help you find an estimate on the value of your current vehicle. All you will need to do on each tool is enter your vehicle's specific information, like make and model, and the current quality of the exterior and interior of your vehicle. Once your vehicle is actually examined, the actual vehicle value may differ slightly from the online estimates, but these tools can help give you an idea of what to expect.

A credit score estimator through Equifax is also available on our website.  Using the tool is completely free and safe, as sensitive information like your date of birth and social security number are not required to get your score. Using the tool also will not affect your credit score. It is always important to be aware of your credit score and how it affects the financing options available to you.

Special Offers

Ford Credit is constantly offering exciting special deals on vehicles, so if you're interested in purchasing a vehicle make sure you look at our website or on site often; otherwise, you might miss out on a great deal.

Offers like retail customer cash and bonus customer cash are often available on new vehicle models, and 0.0% APR deals for 72 months with cash back are not hard to find either. Ford Credit financing is also available on top of special offers like these because we want to help make purchasing a vehicle as small of a financial burden on you as possible.

Visit City Ford Today to Start the Financing Process!

Whether you've just printed up that online Ford Credit certificate or you want to start the process in person, come visit our dealership today. We want to make the financing process as easy as possible for you, and there are many Ford financial offers too good to pass up!


  • Monday 8:30 AM - 7:00 PM
  • Tuesday 8:30 AM - 7:00 PM
  • Wednesday 8:30 AM - 7:00 PM
  • Thursday 8:30 AM - 7:00 PM
  • Friday 8:30 AM - 7:00 PM
  • Saturday 8:30 AM - 5:00 PM
  • Sunday Closed


City Ford

3100 East Business Highway 30
Directions Columbia City, IN 46725

  • Sales: (260) 244-5173
  • Service: (260) 244-5171
  • Parts: (260) 244-5171