Auto Financing & Ford Leasing in Steamboat Springs, CO

Financing a vehicle doesn't have to feel complicated. At Steamboat Motors Ford, our finance team is here to help you understand your options and find a path that works for your vehicle purchase and budget.

Whether you're shopping for a new Ford or a pre-owned vehicle, you can start much of the process online before visiting our dealership at 2310 Lincoln Avenue in Steamboat Springs.

Complete our online finance application, estimate payments with our payment calculator, or find out what your current vehicle may be worth with our Value Your Trade tool.

Local Since 1990. Driven by Community.

New Ford Financing Options

When you're ready to purchase a new Ford, our finance team can help you explore available financing options based on the vehicle you choose and your individual circumstances.

Rates, terms and available programs can vary based on factors such as the vehicle, lender, credit qualifications and current Ford offers.

You can browse our new Ford inventory to see what's currently available and review our current Ford offers and incentives for programs that may apply to select vehicles.

If you have questions before visiting, contact our team. We'll be happy to help you understand the next steps.

Financing a Pre-Owned Vehicle

Our finance team can also help you explore financing options when purchasing a pre-owned car, truck or SUV.

Because our pre-owned inventory includes vehicles at different price points, model years and mileage, financing options can vary from one vehicle and customer to another.

You can begin the process online with our finance application or contact us if you have questions about financing a particular pre-owned vehicle.

Should You Finance or Lease a New Ford?

Financing and leasing offer different advantages, and the right choice depends on how you plan to use your vehicle, how long you expect to keep it and what matters most to you.

Financing a Vehicle

When you finance a vehicle, you're purchasing it and making payments toward ownership. Once the loan is paid in full, the vehicle is yours.

Financing may make sense if you plan to keep your vehicle for several years, prefer not to have lease mileage restrictions or want the flexibility that comes with vehicle ownership.

Leasing a New Ford

Leasing can be another option for qualifying new Ford vehicles and customers when lease programs are available.

Instead of purchasing the entire vehicle, you make payments based on the terms of the lease agreement for a specified period. Lease agreements typically include mileage limits and requirements regarding vehicle condition.

At the end of the lease, available options may include returning the vehicle or purchasing it, depending on the terms of your agreement.

Our team can help you compare available finance and lease options so you can decide which approach makes the most sense for you.

Get Started From Home

You don't have to wait until you arrive at the dealership to begin thinking about financing.

Our online tools can help you take several steps from home:

Apply for Financing
Complete our secure online finance application to begin the financing process.

Estimate Your Payment
Use our payment calculator to explore estimated monthly payments based on different vehicle prices, down payments, rates and terms.

Value Your Trade
Use our Value Your Trade tool to get an initial estimate of what your current vehicle may be worth.

These tools can help you gather information and prepare before visiting Steamboat Motors Ford.

Trading In Your Current Vehicle

Your current vehicle may play an important role in your next purchase.

If you have a vehicle to trade, you can begin with our Value Your Trade tool. When you're ready, our team can evaluate your vehicle and provide a trade-in value based on factors such as its condition, mileage, equipment and current market considerations.

Depending on your purchase and financing arrangement, your trade-in value may be applied toward your next vehicle.

Have Credit Questions? Talk With Our Finance Team

Every customer's financial situation is different. If you have questions about credit, financing requirements or available options, we encourage you to talk with our finance team.

Rather than making assumptions about what may or may not be available, we'll work with the information you provide and help you explore financing options that may be available for your situation.

Submitting an application gives our finance team the information needed to review your request and discuss possible next steps with you.

Start Before You Make the Drive

If you're shopping from Craig, Hayden, Oak Creek, Yampa or another Northwest Colorado community, you can begin much of the process before making the trip to Steamboat Springs.

Our team can help confirm vehicle availability, answer questions about the vehicle you're considering and help you get started with financing before you leave home.

That way, when you're ready to visit Steamboat Motors Ford, we can be better prepared for you.

Frequently Asked Questions About Auto Financing

Can I apply for auto financing online?

Yes. You can complete our online finance application from home. Once your information is submitted, our finance team can review it and help you understand the next steps.

Do you offer financing for used vehicles?

Yes. Financing options may be available for qualifying pre-owned vehicle purchases. Available terms can depend on the vehicle, lender and applicant's qualifications.

Can I finance a new Ford?

Yes. Our finance team works with customers purchasing new Ford vehicles and can help you explore financing programs that may be available for the vehicle you're considering.

Can I lease a new Ford?

Lease programs may be available on qualifying new Ford vehicles. Availability and terms vary by vehicle, program and customer qualifications. Our team can help you determine whether a lease option is currently available for the Ford you're considering.

How much should I put down on a vehicle?

There isn't one down payment amount that's right for everyone. The amount can depend on factors such as the vehicle, financing terms, trade-in value, lender requirements and your individual budget. Our finance team can help you explore your options.

Can I use my trade-in toward my next vehicle?

Yes. If you have a vehicle to trade, its appraised value may be applied toward your next purchase depending on the transaction. You can start with our Value Your Trade tool before visiting the dealership.

What if I have questions about my credit?

Contact our finance team. Financing options depend on individual circumstances, and we would rather review your situation with you than make assumptions about what may be available.

Does Ford offer special financing rates or incentives?

Ford may offer promotional financing or other incentives on select vehicles at different times. Programs can change, so visit our current Ford offers and incentives or contact our team for information about offers that may apply to the vehicle you're considering.

Can I estimate my vehicle payment before applying?

Yes. Our payment calculator can help you explore estimated payments using different vehicle prices, down payments, rates and loan terms. The results are estimates and aren't a financing offer or approval.

Can I start financing before driving to Steamboat Springs?

Yes. You can complete our online finance application and contact our team before making the drive. This can help us prepare and answer questions before you visit.

Finance Your Next Vehicle at Steamboat Motors Ford

Whether you're purchasing a new Ford or a pre-owned vehicle, our finance team is here to help make the financing process easier to understand.

Browse our new Ford inventory or pre-owned inventory, use our online financing tools, or contact us with your questions. We'll help you understand the options available and take the next step when you're ready.

Visit us at 2310 Lincoln Avenue in Steamboat Springs, CO 80487.

Local Since 1990. Driven by Community.