Financing Your Ford Vehicle

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We know the world of auto financing and car loans can feel overwhelming. That’s why Sun City Ford’s professional sales team is here to help you get the right vehicle with the right financing package. Our full-service finance department deals with several financial institutions to help you get the best credit package that meets your needs. Whether you choose to lease or purchase a vehicle, with our Pre-Approval Credit Centre, your credit application is short and simple!

Our Protection Programs

We offer several loan protection plans* for better peace of mind on your investment.

Vehicle Protection Program

With costly computer components and expensive parts and labour costs, an extended warranty is the single best way to protect yourself against unexpected expenses.

Platinum Protection Program

 Undercoating guards the undercarriage from decay and deadens road noise

 Paint protection seals and protects the paint, and is a UV filter

 Leather and fabric protection protects against daily wear and tear

 Rustproof protects the metal from years of decay

Accident, Sickness, Health and Life Insurance

This provides an added layer of security for you and your family. The program provides a convenient way to protect against unforeseen events that may affect your ability to meet your payment obligations.

*This is only a brief summary of the protection programs. For specific details on coverage terms, conditions and exclusions, refer to the appropriate agreements. Purchase of these programs is optional. Subject to OAC.

Are $99/month Payments for Real?

While $99/month payments may sound appealing, you won’t find those kinds of offers here—and for good reason. At Sun City Ford, we prioritize transparency and your long-term financial well-being over flashy advertising.

Yes, it’s possible to arrange ultra-low payments, but it usually means stretching your loan or lease term to 12–14 years, which simply isn’t practical for most customers. We believe most buyers don’t want to be locked into a payment plan that lasts over a decade.

Our goal is to give you honest, realistic financing options—typically with terms around five or six years—so you can enjoy your vehicle without being misled by short-term gimmicks. We’re here to build trust, not create confusion. That’s why you won’t see $99/month offers at Sun City Ford—just straightforward deals built around what works best for you.

Understanding Auto Loans: What You Need to Know

When buying a new or late-model used vehicle, financing is often a major part of the process. Yet many shoppers focus on vehicle pricing while overlooking auto loans. Comparing loan options should be one of the first steps in your buying journey—not the last. A small difference in your monthly payment, such as $16.70, can save you $1,000 over a 60-month term.

Key Elements of an Auto Loan

Down Payment
This is the cash you contribute upfront, not including trade-in equity or manufacturer rebates. It reduces the vehicle’s total cost after taxes and fees are added. Many buyers forget this only affects the principal—the actual amount you’ll finance.

APR (Annual Percentage Rate)
The APR reflects your interest rate plus any lender fees, giving you a true annual cost of borrowing. It’s the most accurate figure for comparing loans of the same term.

Loan Components

Every auto loan includes:

Principal – The amount financed.

Interest – The cost of borrowing.

Term – The repayment period is usually 24 to 96 months.

Interest Rates – Interest is what lenders charge for borrowing money. Rates can range from 0% (with incentives) to over 15%, depending on the vehicle, your credit, and current market rates. A lower APR saves you money over time.

Loan Term & Amortization – The term is the loan length, commonly measured in months. Once your final payment is made, the loan is complete. Longer terms can lower your monthly payment but may increase the total interest paid.

By understanding these basics—especially how principal, interest, and term work together—you’ll be better equipped to secure a smart, cost-effective auto loan.

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