Apply For Financing
Get Financing at Court Street Ford
Apply for a Car Loan or Ford Lease in Bourbonnais, IL
The finance application below starts the process of getting you into a new or pre-owned vehicle at Court Street Ford — and it takes less than five minutes. Submitting your application online before visiting 558 William R Latham Sr Dr in Bourbonnais means our finance team will already be working on your options when you arrive, cutting your in-store time significantly. Whether you have excellent credit, are rebuilding, or are purchasing your first vehicle, our team works with you — not against you — to find a loan or lease structure that fits your actual monthly budget.
[financing-form]How Court Street Ford Financing Works
Once you submit your application, our finance team reviews your information and reaches out to discuss your options — typically the same business day. We work with Ford Credit and a network of additional lenders to find the most competitive rate available for your credit situation. Ford Credit regularly offers promotional APR programs on new vehicles that are often better than bank or credit union rates; we'll present those alongside any other available options so you can make the most informed decision. There are no obligations from submitting an application, and no impact to your credit score from getting a quote.
Financing Options at Court Street Ford
Ford Credit Auto Loans — Ford Credit is our primary lending partner and regularly offers the most competitive rates on new Ford vehicles, including promotional 0% or low-APR programs on select models. Ford Credit financing is available for both new and certified pre-owned Ford purchases. Current promotional rates change monthly — call (815) 635-6154 before visiting to ask about current Ford Credit offers on the specific model you're considering.
Ford Credit Lease Programs — Leasing through Ford Credit typically delivers a lower monthly payment than financing the same vehicle, because you're only paying for the depreciation during the lease term rather than the full purchase price. Ford Credit lease programs on the F-150, Explorer, Maverick, and Expedition include competitive money factors and residual values that make the numbers work for Kankakee County buyers across a range of budgets. Ask our finance team to run both the purchase and lease scenario side-by-side — we'll show you the honest math on both before you decide. Learn more about Ford lease programs at Court Street Ford.
Pre-Owned Vehicle Financing — Our finance team works with multiple lenders on pre-owned purchases across all makes and models, not just Ford. Rates on pre-owned vehicles are typically higher than new vehicle rates, but our lender network is broad enough to find competitive options across most credit profiles. If you're considering a certified pre-owned Ford, Ford Credit's CPO financing rates are often competitive with new vehicle rates on qualifying purchases.
All Credit Situations Welcome — Court Street Ford's finance team works with buyers across the full credit spectrum — strong credit, fair credit, first-time buyers, and buyers who are rebuilding after a difficult period. We don't pre-judge applications, and we don't waste your time presenting options we already know won't work. If we can get you financed, we'll find the right path. If we can't, we'll tell you honestly and explain what steps would change that outcome. Submit your application above or call our finance team at (815) 635-6154.
Value Your Trade-In
If you have a vehicle to trade, knowing its value before you visit puts you in a stronger position. Use our online trade-in tool to get an estimate — it takes about two minutes and gives you a meaningful baseline before any in-person negotiation. We accept all makes, models, years, and conditions as trade-ins. Your trade equity applies directly toward the down payment on any new or pre-owned purchase, reducing the amount you need to finance and your monthly payment accordingly.
Frequently Asked Questions — Financing at Court Street Ford
Does applying for financing online affect my credit score?
Submitting a pre-qualification application typically results in a soft credit inquiry, which does not affect your credit score. A hard inquiry occurs when a lender formally reviews your application for approval — our finance team will explain exactly when and how this happens before it does. Call (815) 635-6154 with any questions about the application process.
What credit score do I need to finance a vehicle at Court Street Ford?
Court Street Ford works with buyers across the full credit spectrum — there is no minimum credit score requirement to submit an application. The rate and terms available to you will vary based on your credit profile, down payment, and the vehicle you're purchasing. Our finance team works with multiple lenders to find the best available option for your situation. Submit your application above or call (815) 635-6154.
What is the difference between financing and leasing a Ford?
Financing means borrowing money to purchase the vehicle — at the end of your loan term, you own it outright with no further payments and no mileage restrictions. Leasing means paying for the vehicle's depreciation over a set term (typically 24–36 months) — monthly payments are lower, but you return the vehicle at lease end and there are mileage limits. Our finance team will run both scenarios side-by-side for the specific vehicle you're considering so you can see the real numbers on both options before deciding.
Does Court Street Ford accept trade-ins?
Yes. Court Street Ford accepts trade-ins of all makes, models, years, and conditions on any new or pre-owned purchase. Use our online Value Your Trade tool for an estimate before visiting, then bring your vehicle in for a final appraisal and a firm offer. Your trade equity applies directly toward your down payment.
How long does the financing process take at Court Street Ford?
Applying online before your visit is the fastest path — our finance team reviews your application and prepares options in advance, which significantly reduces your time in the finance office. Walk-in applications are also welcome. Most financing decisions are completed the same day. Call (815) 635-6154 if you have questions about timing before your visit.
Does Court Street Ford offer Ford Credit financing?
Yes. Ford Credit is Court Street Ford's primary lending partner for new Ford vehicles and is available for certified pre-owned purchases as well. Ford Credit regularly offers promotional APR and lease programs on new vehicles — rates that change monthly. Call (815) 635-6154 to ask about current Ford Credit offers on the specific model you're considering before visiting.