Financing is an integral part of buying a new car. However, you don't have to go through it all by yourself; Friendly Ford's financing team is here to help drivers around Geneva, Canandaigua, and Rochester, NY-even if your credit isn't where you want it to be. 

Our team has put together this page to give you some information on our finance department as well as ways to help improve your credit score. Give it a read if you're interested in buying a vehicle and have a less-than-perfect credit score. 


Our Finance Team Is Here to Lend a Hand

If you're ready to get the financing process started, you can begin online. Our finance department has several resources to help you understand how financing works, including a leasing vs. buying guide and how you can get started with purchasing. Our team's goal is to get you the right loan for your lifestyle. Do you have a vehicle you're looking to trade-in? You can get an estimate of how much your current model is worth on our website. Simply fill out some information on your vehicle, and you'll receive an estimate. You can then factor that value into your financial options when buying your new Ford. 

Want to save some time at the dealership? Apply for financing online all from the comfort of home. Fill out the form, and our finance experts will get to work on your financing options before you even step foot in our dealership. If you have questions, reach out by phone or our website. 

How Do Credit Scores Work?

Credit scores take several factors into account, so lenders can decide if you're more likely to pay back your loan. Your credit score can also determine the type of loan you qualify for and the amount of interest you may have on your loan. Some of the factors that are considered when calculating your credit score are:            

  • Payment history
  • Total amount owed on any debt
  • Length of credit history
  • Types of credit you have

How Can I Improve My Credit Score? 

It's possible to improve your credit. There are several ways to make your credit increase, and we'll cover some of them in this section. 

The first one is to pay your bills on time. Payment history is a large factor in credit score consideration. By paying on time, you're showing that you're someone who can pay back loans. If you can't pay on time, reach out to the creditor and pay what you can. 

In the same vein, making frequent payments is also helpful. This action shows that you can keep your balances down, and a steady payment history can positively affect your score. 

Another way to help improve your score is to dispute credit report errors as soon as you can. You can get a report on your credit every so often from the credit bureaus. When you do, look through them for any mistakes. If you find one, report it. 


Meet with Our Finance Department

If you're ready to begin the financing process and are shopping for a new Ford around the Geneva, Canandaigua, and Rochester, NY, areas, come by Friendly Ford. Our team will help you through the financing process and find the right auto loan for you. Just give us a call or reach out on our website today!


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Friendly Ford Inc.

1077 Routes 5 & 20
Directions Geneva, NY 14456

  • Sales: (888) 460-6178
  • Service: (888) 452-1834
  • Parts: (888) 484-4561


  • Monday 9am - 7pm
  • Tuesday 9am - 7pm
  • Wednesday 9am - 7pm
  • Thursday 9am - 7pm
  • Friday 9am - 6pm
  • Saturday 9am - 5pm
  • Sunday Closed