Finance center
Apply here or with Ford Credit. Both are real credit applications, both ask for your consent before any credit is pulled, and neither commits you to buying anything.
Two ways to apply
Huntley Ford runs two application tools. They go to different places, but they ask for much the same thing.
1
Ford’s own lenderFord Credit
Ford Credit’s secure application, on ford.com, under this dealership’s code. Use it when you know roughly what you are buying — it is the route the advertised Ford rates run through.
Apply with Ford Credit2
Through the dealership700Credit application
The application the dealership has run for years, handled by 700Credit on their own secure site. It reaches our finance office directly and can be worked with more than one lender.
Apply here
| What it asks for | Ford Credit | 700Credit |
|---|---|---|
| Social Security number | Yes | Yes |
| Date of birth | Yes | Yes |
| Employment and income | Yes | Yes |
| Address history | Yes | Yes |
| Consent to pull credit | Yes | Yes |
| Runs on | ford.com | 700dealer.com |
| Goes to | Ford Credit | our finance office |
| Roughly how long | About 10 minutes | About 10 minutes |
Some dealerships offer a no-obligation check that asks only for a name and address. Huntley Ford does not currently publish one — both tools here are full applications. If you want an idea of where you stand before you apply, call us and ask.
Apply through the dealership
This is 700Credit’s form, on their secure site. It comes straight to our finance office. Nothing you type is stored on this website.
Handled by 700Credit on their own secure site. It asks for your Social Security number and date of birth, plus employment, income and address history, and it takes your consent before any credit is pulled.
700Credit’s form opens here, on their secure site.
Start the application hereIf the form does not appear, use the button above or call (847) 669-6060 and we will take it from there.
Submitting an application is not an approval and does not commit any lender. The rates advertised elsewhere on this site require qualifying.
Have these ready before you start
Rates, incentives and how they interact
The rates on the specials pages are Ford Credit rates, bought down by Ford on selected models and terms. They are not our rates and they are not everybody’s rate.
- A Ford Credit promotional rate is a Ford Credit product. Not all buyers qualify, and the advertised rate is the best tier rather than the only one.
- Taking the low rate can cost you some of the cash back. Ford’s own terms this month pair the smaller bonus cash with the rate and reserve the larger customer cash for the purchase route — but the rule is set per program, so ask about the one on your vehicle.
- A headline rate is often capped: Ford has advertised 0% for 72 months limited to $10,000 financed. The cap decides what it saves you.
- Rebates and advertised pricing here are for the Chicagoland region.
- Tax, title, license and a $377.63 Illinois documentary fee are on top.
Finance questions
Will applying affect my credit?
Both forms on this site ask for your Social Security number and your consent before any credit is pulled, so both involve a credit inquiry. We are not going to tell you which kind it is without checking, because that depends on how each lender runs it — call and ask before you start and we will find out for you. If you would rather not have credit pulled at all yet, tell us your situation on the phone and we can talk through it first.
Which application should I use?
If you have a Ford in mind and you are interested in the advertised Ford rates, Ford Credit is the direct route. If you would rather we shop it, the 700Credit application comes to our finance office. If you are not sure, use either — we will talk to you before anything is decided.
Who lends the money?
Ford Credit is Ford’s own finance company and is the lender behind the advertised Ford rate programs. Dealerships commonly work with other lenders as well; if you want to know which ones apply to your situation, ask us directly rather than relying on a website to list them.
Can I deduct the interest on my car loan?
On a new vehicle bought for personal use, federal law now allows a deduction of up to $10,000 of loan interest a year, and you do not have to itemize to take it. The vehicle has to be assembled in the United States, which means a VIN starting with 1, 4 or 5, and the deduction phases out above $100,000 of income or $200,000 filing jointly. It is settled per vehicle rather than per model, so ask and we will read you the VIN off the window sticker. We are not tax advisers, so confirm the detail with whoever does your return.
Can I finance a used vehicle here?
Yes. Ford’s promotional rate programs are for new vehicles, and Ford also runs finance programs on eligible Ford Blue Advantage certified vehicles. On an ordinary used vehicle the rate depends on your credit and on the age and mileage of the car.