Consumer Auto Loans

Sign & Drive

Bayou Ford has several prime lenders that only require your signature and auto insurance! Your excellent credit file speaks for itself. These lenders do not require tax returns, pay stubs, proof of residence, and other stipulations other lenders need prior to approving your loan.

Zero Cash Down

Bayou Ford has several lenders that do not require cash down. Your down payment is completely up to you! We can also use a new car rebate and/or a trade-in as a down payment.

High LTV Advances

Bayou Ford has several lenders that will finance up to 140% of the new vehicle's value. These loans help customers with negative equity in their current vehicle.

First-Time Buyer

Bayou Ford has several lenders that offer financing to customers with no prior auto credit. These lenders usually require proof of income and no major derogatory accounts on your credit bureau. Ford Credit has an excellent first-time buyer program with very low rates.

Bankruptcy

Bayou Ford has a few subprime lenders will allow you to open a new auto loan with an open bankruptcy with an approval letter from the courts and/or trustee to incur new debt. Most other lenders require Chapter 7 or Chapter 13 bankruptcies to be fully discharged from the court before opening a new auto loan account.

No Credit / Bad Credit Score

Bayou Ford has several lenders that overlook your credit score. These lenders favor residence stability, employment stability, and income stability over credit score. Down payment and favorable deal structure also help these types of loans score very well with lenders.

Business Auto Loans

Business Name Only

If your business qualifies for financing without the owner's guaranty, you can obtain financing in the business name only. This gives you the ability to save your personal credit for other use. In addition, you can build credit in your business name and protect yourself from liability related to the operation of the vehicle.

Business Name + Third-Party Guaranty

You can buy or lease vehicles in the name of your business but need to secure additional financing, you may act as a guarantor. This allows you to keep your name off the title and may keep the debt off your personal credit record. Keep in mind, if your business defaults, you may become liable and the debt may be reported on your personal credit record.

Commercial Line of Credit (CLOC)

Businesses can build their fleet of vehicles while managing their total portfolio under one account. Other CLOC benefits are consolidated billing, rate locking, and it expedite the financing/paperwork process.

Specialty Vehicle Financing

Commercial vehicles with upfits kit such as a service boy, crane lift device, towing equipment and other specialized equipment are included in one loan.