Live group inventory vehicles · 5 rooftops · Bay Area
Free hand delivery within 50 mi7-day return · Up to 1,000 miConcord · Fairfield
Financing

Apply for financing.

One application covers every vehicle at all five of our stores. Your finance specialist reviews it, structures the deal, and takes it to the lenders on your behalf.

Submitting a credit application results in a credit inquiry, which can affect your credit score. It is not an offer of credit, and you are not committing to buy anything.

Lenders we work with
  • Ford Motor Credit
  • Wells Fargo
  • Chase
  • U.S. Bank
  • Bank of America
  • Santander
  • Westlake Financial

Your finance specialist submits your application to the lenders that fit your situation. A lender appearing here is not an offer of credit, and approval and terms are always the lender’s decision.

Apply
Start your credit application

Online applications are not open just yet. Call the store you are working with and your finance specialist will start yours with you.

Future Ford of ConcordConcord(925) 686-5000
Future Lincoln of ConcordConcord(925) 483-2511
Future Hyundai of ConcordConcord(866) 979-7218
Future CDJR of ConcordConcord(925) 246-2295
Future CDJR of FairfieldFairfield(707) 356-4856
How it works

Three steps, and a person on the other end.

Tell us where to send it

Your store, your name, and your mobile number. That is everything this page asks for — no Social Security number, no income, nothing sensitive.

We text you a secure link

The link is yours alone and comes from the store you picked. Having to receive it on your phone is part of what keeps your application yours.

Apply on your phone

About five minutes. Your finance specialist then reviews it, structures the deal, and submits it to lenders on your behalf.

Before you start

What you’ll need

  • Your mobile phone — the secure link is texted to it
  • Social Security number, which lenders require to pull credit
  • Current address, and roughly how long you have lived there
  • Employer, job title, and gross monthly income before taxes
  • Driver's licence, for some lenders
  • Co-applicant's details, if you are applying with someone

This is what the application asks for — not what this website collects. The application is hosted on our dealer system, which is the system of record for your information.

Questions

Common questions

Does applying affect my credit?

Yes. Submitting a credit application results in a credit inquiry, which can affect your credit score. There is no version of this that avoids one, and we would rather tell you plainly than let you find out afterwards.

Do I need to pick a vehicle first?

No. You can apply before choosing a car, and the application works for any of our stores. If you already have a vehicle in mind, starting from its page carries it through so your finance specialist sees what you are looking at.

How long does it take?

About five minutes once you start, plus a moment to enter the code we text you.

Who sees my information?

Your application goes to the finance team at the store you choose. They structure the deal and submit it to lenders. The application is hosted on our dealer system, not on this website.

Can I apply with a co-applicant?

Yes. A co-applicant is jointly responsible for the loan and completes their own half of the application and signs for themselves.

Am I committing to anything?

No. An application is not a purchase and not an offer of credit. Nothing is binding until you sign a retail installment sale contract, lease agreement, or purchase order.