North Bay Ford Finance Center

Ford Financing near Salinas, CA

You've found the perfect used or new Ford for your lifestyle and budget, taken it for a test-drive and chosen the specific trim you're looking to lease or buy -- now what? After you've located your perfect match, speak with the Ford financing team at our Ford dealership near Salinas, CA. Our first and foremost mission is to help every customer pinpoint the ideal Ford lease or loan options for them. We'll discuss all your credit options, go over the difference between buying vs. leasing a Ford and answer any questions you may have about monthly payments, Ford lease terms and more.

Whether you want to drive home in a new Ford Edge SUV or pre-owned Ford F-150 truck, we'll help make the Ford financing process simple, streamlined and superior to other finance centers nearby. Start the process now by applying for financing, then visit our Santa Cruz Ford dealership to find a great Ford for your lifestyle and budget. We'll take the time to ensure that you get the keys to a Ford you'll cherish.

The North Bay Ford finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Santa Cruz, Watsonville, and Salinas to ensure our customers get the right finance program at the most competitive rates.

We strive to work with each customer to ensure their satisfaction. We have financed customers from Hollister to Monterey. Whether you are right down the road or an hour away from Santa Cruz you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.

Phone Numbers:Sales Hours:
  • Mon - Sat9:00 AM - 6:00 PM
  • Sun11:00 AM - 5:00 PM

How is your credit?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

Best "I never miss a payment"

The North Bay Ford loan process can help you find the best interest rate for your next vehicle purchase.

Try our FREE credit application today

Great New Vehicle APR*

Competitive Used Vehicle Rates*

We have hundreds of new and used Ford vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK "I've missed a payment or two."

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help.

Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Ford vehicles currently available for immediate delivery.

Not So Good "I need to rebuild my credit..."

Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our FREE credit application online.

Once the application is completed, the North Bay Ford finance team will put together a loan package that is tailored specifically for you.


Fill out our online credit application and get pre-approved for your next vehicle.

Get Pre-Approved


  • Competitive rates direct from the manufacturer and local California banks
  • Quick approvals
  • Value-added services to protect your vehicle investment
  • Extended warranty programs
  • And many more finance programs to fit your needs

We are always happy to answer your questions so please don't hesitate to contact us today.

Get Directions

1999 Soquel Ave, Santa Cruz, CA, 95062
North Bay Ford 36.981797, -121.998735.