Auto Loans and Ford Financing in Bismarck, ND
Financing your next vehicle should be simple, clear and comfortable. At Eide Ford Lincoln, our finance team helps drivers from Bismarck, Mandan, Lincoln, Minot and surrounding North Dakota communities find auto loan options that fit their vehicle, budget and credit situation.
Whether you are buying a new Ford, a used vehicle, a certified pre owned Ford or a Lincoln, we work with a network of trusted lenders to help you compare available rates, terms and payment options.
Our goal is simple: help you understand your options and make the vehicle buying process easier.
Start your secure finance application today and our team will follow up with your available options. Apply for Financing.
Get Pre Approved Before You Shop
Getting pre approved can make the buying process faster and easier. By completing a secure online credit application, our finance team can start reviewing available loan options before you visit the dealership.
Pre approval can help you:
Understand your estimated buying power
Compare possible payment options
Save time at the dealership
Shop with more confidence
Prepare for your trade in, down payment and loan terms
If you already found a vehicle you like, we can help you review payment options for that specific vehicle. If you are still shopping, we can help you narrow down choices based on your budget.
New Ford Financing
If you are shopping for a new Ford truck, SUV or car, our finance team can help you review loan options on popular models like the Ford F-150, Super Duty, Explorer, Expedition, Bronco, Bronco Sport, Escape, Maverick, Ranger and Mustang Mach E.
Depending on the vehicle and current programs, qualified buyers may have access to Ford financing offers, special APR programs or other available incentives. Since offers can change, our team can help you review what is currently available on the vehicle you are considering.
Used Car Financing
Eide Ford Lincoln also offers financing options on used cars, trucks and SUVs. Whether you are buying a used Ford, Lincoln, Chevrolet, Ram, GMC, Jeep, Toyota, Honda or another brand, we can help you look for loan options that match your situation.
Used vehicle financing can vary based on:
Vehicle year
Mileage
Vehicle price
Loan term
Down payment
Credit history
Trade in value
Lender approval
Our team can walk you through the details so you know what to expect before signing.
Bad Credit or Rebuilding Credit? We Can Help
Credit situations are not always perfect. If you have had credit challenges, limited credit history or have been turned down somewhere else, we still encourage you to apply.
At Eide Ford Lincoln, we look at the full picture, not just a credit score. Our finance team will review your application and work to find available options based on your current situation.
Helpful items may include:
Proof of income
Proof of residence
Valid driver’s license
Current insurance information
Down payment information
Trade in details, if applicable
Approval is not guaranteed, but we will do our best to help you understand your options.
What Do I Need to Finance a Vehicle?
To make the financing process smoother, bring the following items with you:
Valid driver’s license
Current insurance card
Most recent pay stubs or proof of income
Proof of residence, if requested
Down payment, if applicable
Trade in title or registration, if applicable
Payoff information for your current vehicle, if applicable
If someone else will also be on the loan, they should bring the same information.
Can I Finance a Vehicle With No Money Down?
In some cases, yes. No money down auto financing may be available for qualified buyers depending on credit approval, vehicle choice, loan structure, trade equity and lender requirements.
A down payment is not always required, but it can sometimes help lower your monthly payment, improve loan approval options or reduce the amount financed.
The best way to know your options is to complete a secure credit application or speak with our finance team.
Should I Finance or Lease?
Financing and leasing both have advantages. The right choice depends on how long you plan to keep the vehicle, how many miles you drive and whether you prefer ownership or lower commitment.
Financing may be a good fit if you:
Want to own the vehicle
Drive a lot of miles
Plan to keep it long term
Want the ability to customize it
Prefer no lease mileage limits
Leasing may be a good fit if you:
Like driving a newer vehicle more often
Want a shorter term commitment
Drive predictable mileage
Prefer flexible upgrade options
Our team can help you compare both options when leasing is available.
Trading In Your Current Vehicle
Your trade in can play a big role in your financing options. If your current vehicle has equity, it may help lower the amount you need to finance. If you still owe money on your trade, we can help review your payoff and explain how it affects your next purchase.
You can start by using our online trade value tool, then bring your vehicle in for a final appraisal. Value Your Trade
Why Finance With Eide Ford Lincoln?
Drivers choose Eide Ford Lincoln because we make the financing process straightforward. Our team works with customers every day who are buying new vehicles, used vehicles, first vehicles, family vehicles, work trucks and everything in between.
When you finance with Eide Ford Lincoln, you get:
A local finance team in Bismarck, ND
Access to multiple lender options
Help reviewing rates, terms and payments
New Ford and used vehicle financing options
Trade in assistance
A secure online credit application
A team that explains the process clearly
We want you to leave with a vehicle and a payment plan that make sense.
Frequently Asked Auto Financing Questions
How do I apply for auto financing at Eide Ford Lincoln?
You can apply online using our secure credit application. Once submitted, our finance team will review your information and contact you about available financing options.
Can I get approved before choosing a vehicle?
Yes, you can apply before you pick a vehicle. Pre approval can help you understand your estimated budget before you shop.
Does applying for financing mean I have to buy today?
No, applying helps our team review potential options. You are not required to purchase a vehicle just because you submitted an application.
Can I finance a used vehicle?
Yes, Eide Ford Lincoln offers financing options on used cars, trucks and SUVs, not just new Ford and Lincoln models.
Can I get approved with bad credit?
Possibly, approval depends on several factors, including credit history, income, vehicle choice, down payment and lender requirements. We encourage customers with challenged credit to apply so we can review available options.
How much should I put down on a vehicle?
There is no one size fits all answer. A larger down payment may lower your monthly payment or improve approval options, but some qualified buyers may have little or no money down options available.
What loan term should I choose?
The right term depends on your budget, vehicle price and long term plans. Shorter terms usually have higher payments but may reduce total interest paid. Longer terms may lower the monthly payment but can increase total interest over time.
Can I trade in a vehicle I still owe money on?
Yes, if you still owe money on your current vehicle, we can help review the payoff, trade value and equity position. Positive or negative equity may affect your next loan.
Do you offer Ford financing specials?
Ford financing offers may be available on select models for qualified buyers. Offers can change, so contact Eide Ford Lincoln to review current programs.
Where is Eide Ford Lincoln located?
Eide Ford Lincoln is located at 800 E Bismarck Expy, Bismarck, ND 58504. We serve drivers from Bismarck, Mandan, Lincoln, Dickinson, Williston, Minot and surrounding North Dakota communities.