Ford Credit was amazing to work with! Several years ago, I NEEDED a car. I only had one which got me to work & my kids to school but mine had died.. First of a they approved me after I'd just gone through a divorce with messy financial issues. Even with a better rate than my bank (if they would've approved me, which they wouldn't). Then a few years into the loan, being a single mom, being furloughed (govt worker) resulting in pay cut, Ford was exceptional & extremely understanding when I was having difficulty making payments some months. They gave me options, even letting me skip a month when I didn't think I'd be able to buy my kids Christmas presents! I've often said I wouldn't go anywhere else & now that I'm looking for a car again, there's no question where I'll go!
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Be careful if you lease through Ford and then don't want to buy another Ford at the end of your lease. They refused to give me a lease payoff once they found out I wasn't buying another Ford. In fact, when I started car shopping I logged into my Ford Credit online account and printed a payoff letter (like any other manufacturer lease I've had before) - when it was time for the dealer to pay Ford for the car they REMOVED the link and make it impossible for me to get a payoff letter. Refused to give me a payoff and forcing me to go to a dealer in a city where I don't even live. They stated it says in my lease contract this is their process (even though I can't find where it says this) and the payoff check for the vehicle must come from a Ford dealer. The funny thing is the dealer who sold me the brand X car is ALSO a Ford dealer - so the check IS coming from a Ford dealer. Have traded in other Fords off lease early, at different Ford dealerships, without any problem before. Will never lease or buy through Ford Credit again. Strongarming customers is a terrible way to get repeat business and an even worse way to spread positive word of mouth.