Step 1: Know Your Budget
Estimate your monthly payments based on vehicle price, down payment, and APR.
Payment CalculatorDorian Ford Finance Center
Auto Loans & Credit Solutions in Michigan
Stress-Free Auto Financing in Metro Detroit Whether you have perfect credit or are starting fresh, our finance experts work with top lenders to get you the best rates in Michigan.
At Dorian Ford, we believe everyone deserves a reliable vehicle. Serving all of Michigan including Clinton Township, Sterling Heights, and Warren for over 60 years, our finance team has decades of experience. We work with a vast network of national banks, local credit unions, and Ford Credit to secure approvals for every budget and credit situation.
We don't just look at your credit score; we look at your story. Our goal is to get you approved for a vehicle you love at a payment you can afford
Financing for Every Credit Situation
Use our secure online tools to save time at the dealership.
Step 2: Value Your Trade
See how much your current vehicle is worth in seconds. We pay top dollar for trades.
Value Your Trade
Step 3: Apply Online
Save hours of paperwork by applying from the comfort of your home in Macomb County.
Secure Credit AppBuying vs. Leasing: Which is Right for You?
Understanding the difference can save you thousands.
Choose Financing (Buying) If:
- You Drive a Lot: You commute long distances (over 15,000 miles/year) or take frequent road trips.
- You Want Ownership: You plan to keep the car for 5+ years and eventually drive payment-free.
- You Customize: You want to add lift kits, tint, or other aftermarket accessories.
- You Are Hard on Vehicles: You don't want to worry about wear-and-tear charges for scratches or dings.
Choose Leasing If:
- You Love New Cars: You want to drive a brand-new Ford with the latest technology every 2–3 years.
- You Want Lower Payments: Lease payments are typically 20–30% lower than loan payments for the same vehicle.
- You Want Warranty Coverage: You prefer always being under the factory bumper-to-bumper warranty.
- You Have a Predictable Commute: You drive less than 15,000 miles per year.
Financing for Every Credit Situation
We say "Yes" when others say "No."
Learn More About Our Finance Team
Excellent Credit
Take advantage of Ford Motor Credit's lowest APR offers. We frequently offer 0% APR and exclusive incentives on new F-150s, Explorers, and Mustangs for well-qualified buyers.
Fresh Start Financing (Bad Credit / No Credit)
Have you experienced bankruptcy, repossession, or missed payments? You are not alone. Our "Fresh Start" program helps drivers in Detroit, Roseville, and Eastpointe rebuild their credit with reliable transportation. We report to all major credit bureaus, so every on-time payment helps raise your score.
First-Time Buyers
No credit history? No problem. We have specialized programs designed to help students and graduates buy their first car and establish a strong credit profile.
Protect Your Investment
Ask our finance managers about adding coverage to your loan.
- Ford Protect Extended Service Plans: Drive with confidence knowing you are covered for major mechanical repairs after your factory warranty expires.
- GAP Insurance (Guaranteed Asset Protection): If your vehicle is totaled or stolen, standard insurance only pays the current market value. GAP covers the difference between that value and what you still owe on your loan, preventing you from paying for a car you no longer have.
- Tire & Wheel Protection: Michigan roads can be tough. This plan covers the cost of replacing tires and rims damaged by potholes, nails, and road debris.
Frequently Asked Questions
What do I need to bring to the dealership?
To speed up your delivery, please bring:
- Valid Driver’s License.
- Proof of Insurance.
- Proof of Income (Recent pay stub).
- Proof of Residence (Utility bill or bank statement).
Does applying online hurt my credit score?
Our initial pre-approval form is secure. While a hard inquiry is eventually required for a final loan offer, our team works to minimize the impact on your credit report by shopping with the right lenders first.
Can I finance a used car with bad credit?
Yes! We specialize in bad credit used car loans. While new car leases usually require higher credit scores, we have dozens of lenders who finance Certified Pre-Owned and used vehicles for buyers with challenged credit.
Can I use my trade-in as a down payment?
Absolutely. In many cases, your current vehicle can cover your entire down payment, allowing you to drive away with little to no cash out of pocket.
Let’s Get You Approved
Our finance team is here to help you fit a new Ford into your budget. Visit our showroom on Gratiot Ave in Clinton Township.
