Apply for Financing
SUTTON FORD / FINANCE APPLICATION
Apply online. Explore your financing options.
Start Your Financing Application
Complete the application below using accurate information. Financing decisions, rates, and terms are subject to lender review and credit approval. Review the application’s disclosures before submitting.
BEFORE YOU APPLY
A little preparation makes the process easier.
Having your information available before beginning can help you complete the application accurately. The lender or finance team may request additional documentation during the review process.
Personal Information
Be prepared to provide identifying and contact information, your current address, and other details requested by the application.
Employment & Income
Have your employment details and income information available. Additional proof of income may be required depending on lender criteria.
Vehicle & Trade-In Details
If you’ve selected a vehicle or plan to trade one in, keep the relevant vehicle information and any current loan payoff details handy.
UNDERSTANDING YOUR OPTIONS
What influences an auto financing decision?
Auto loan terms depend on more than the vehicle you select. Lenders may review credit history, income, existing financial obligations, the requested loan amount, and the vehicle’s eligibility when evaluating an application.
Loan Term
Longer terms generally offer smaller monthly payments but can increase total interest costs. Shorter terms generally require larger payments while reducing interest paid when other factors remain equal.
Down Payment
Putting money down reduces the amount you need to finance. Down payment requirements vary by lender, applicant qualifications, and the vehicle being purchased.
Trade-In Equity
Positive equity in your current vehicle may help reduce your next loan amount. If you owe more than the vehicle is worth, the remaining balance must be addressed as part of the transaction.
SUTTON FORD SHOPPING TOOLS
Plan the purchase around your budget.
Estimate Monthly Payments
Compare hypothetical loan terms, interest rates, down payments, and vehicle prices before selecting your next car.
Explore Your Trade-In Value
Learn what may affect your vehicle’s appraisal and how available trade-in equity could contribute toward your purchase.
Compare Available Vehicles
Explore new Ford vehicles and pre-owned inventory at Sutton Ford in Matteson.
FINANCING APPLICATION FAQ
Questions before submitting an application?
Can I apply for financing before choosing a vehicle?
You can begin exploring financing before making a final vehicle selection. Approval and final terms may depend on the specific vehicle, lender requirements, and your application details.
Can I apply for used vehicle financing?
Yes. Financing options may be available for eligible pre-owned cars, trucks, and SUVs. Available loan programs depend on the lender, applicant, and vehicle.
Will applying affect my credit?
A formal credit application may involve a hard credit inquiry that can affect your credit score. Review the application’s credit authorization and disclosures before submitting.
Does submitting an application guarantee approval?
No. Approval, interest rates, down payment requirements, and financing terms are subject to lender review, credit qualifications, and other applicable criteria.
SUTTON FORD / CHICAGO SOUTHLAND
Financing questions? Talk with Sutton Ford.
Sutton Ford serves Matteson and drivers throughout the Chicago Southland. If you have questions about the application process, loan terms, or financing your next vehicle, contact our team.
Sutton Ford
21315 Central Avenue
Matteson, IL 60443
(708) 934-1080
Financing is subject to credit approval, lender requirements, vehicle eligibility, and applicable terms. Submitting an application does not guarantee approval or a particular interest rate. Review all application disclosures and financing documents carefully.