How Do You Get Pre-Approved For Auto Loans In 2023?

I’m Ready To Car Shop…Where Do I Begin?

Are you thinking of buying a car, truck, or SUV? Before you even head to our dealership or explore our online inventory, your first order of business involves getting pre-qualified with our Ford finance center. This simple process can help you save hours of time by giving you an idea of the type of loan you’ll get approved for—even before filling out a Ford credit application. Best of all, this process won’t hurt your credit score—so, get started today by getting pre-approved at Spitzer Ford St. Marys near Johnsonburg, PA.

First Things First—What’s A Pre-Approval?

The name says it all—before you get approved for a loan, a pre-approval gives you an idea of the amount you’ll receive from your next loan before touching a car credit application. So, you’ll usually get pre-approved before your search begins to help you budget early and figure out the prices that will fit your budget.

Another benefit is that a pre-approval (sometimes called a pre-qualification) performs a soft pull on your credit, not a hard pull, meaning your credit score won’t suffer from seeing what you’re approved for. In fact, you can even see if it’s worth continuing to the hard pull stage in cases where building your credit more could be the best course of action, virtually removing all risks.

Time To Get Pre-Approved…How Do I Start?

If you’re ready to shop for a vehicle, head to our website at Spitzer Ford St. Marys and fill out our pre-approval application. Here, we’ll just need some basic information, like your name, address, and employment information. Then, finish up by agreeing to the terms at the bottom of the form and submitting your pre-approval application—it’s that simple and takes only minutes.

After you see the types of car loans and funds you’re likely to receive, head to our dealership and explore models that fit your budget and plan. You can even speak with one of our team members for tailored help in finding a model with the features you need at the right price, from action-packed sports cars to rugged trucks. Plus, you’ll find virtually all your favorite current-model year Ford models when you shop with us, so let us know if you’re looking for the swift and stylish Escape, an off-road geared Bronco, or a chiseled and iconic Mustang (or anything in between).

Get A Head-Start To Car Shopping: Start In St. Marys, PA

When you’re ready to drive home in a new car, get started by getting pre-approved at Spitzer Ford St. Marys near Ridgway, PA, today. Our team is also happy to assist or clarify in any way possible, whether you have questions about interest rates or want more assistance in applying for an auto loan—and that’s only the beginning of how we can step up for you.