Auto Financing at Stone Mountain Ford


You’ve reached this page because you are about to purchase a car, or you are thinking about it and want more information on the financing process. Well, you’ve come to the right place. Here is some basic information to get you started. Every situation is completely different, and must be assessed on a case-by-case basis. We will address some commonalities here in this finance guide.

What Do Banks Look For?

  • Value of Car
  • Employment Status
  • Terms of Loan
  • Credit Score
  • Debt to Income Ratio
  • Collateral
  • Credit History
  • Down Payment

Phone Numbers:Parts Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 4:00 PM
  • SunClosed
Finance Hours:
  • Mon - Sat9:00 AM - 8:00 PM
  • SunClosed

One misconception is that all you need is a good credit score. Credit score is one ranking factor, but your credit history and collateral are also part of the application process. The bank uses your vehicle as collateral until you pay off the loan. If you default on payments, a collection company will repossess your car. Lastly, decide on the term length—most loans are available in terms of 24, 36, 48, 60, 72, and 84 months.

How does Five Star fit in the Process?

At Five Star Ford Stone Mountain, we match you with the lender that best suits your needs and offers the most attractive terms. We vet all our customers to make sure they are a good fit for the lender we have in mind for them. We want you to know that WE ARE NOT THE BANK; we're more of a match maker looking out for your best interest by getting you the vehicle you want at the best possible rate. We know what they're looking for, and we're able to find you the best deal possible. We don't take sides; instead, we are here to give you an honest assessment of your options so that you can drive away with a vehicle you love and an affordable monthly payment.

What documents do I need?

  • Driver's License
  • Social Security Card
  • Recent Pay Stub
  • Down Payment (Cash, Money Order, or Cashier's Check)

We hope that this has given you some insight into what goes into an auto financing application. You can easily get an estimate by using our Car Loan Calculator tool, which can be found on our website. If you have any further questions please visit our store today!

Get Directions

Contact Us
Five Star Ford Stone Mountain 33.840942, -84.061975.