Clement Ford Financing and Auto Loans

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Financing Made Easy

Everyone loves the feeling of getting behind the wheel of a new vehicle. But no one loves the hassle of figuring out vehicle financing. Here at Clement Ford, we make financing easy and available for everyone. If you’re ready to get the process started, just click below to get pre-qualified for financing!

Apply Now Get Pre-Qualified

Have Questions? Get Answers with our Finance FAQ below.

Something For Everyone

Financing for everyone is one of our most important values here at Clement Ford. We believe everyone in the Greater St. Louis area should get the chance to drive off our lot with a new or used vehicle that they love, regardless of their financial situation or history. If you want safe, reliable, and affordable transportation, Clement Ford can help you find it, with terms that work for you.

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Payment Calculator

We know that budgets are important! Before you even come in, you can use our handy Auto Loan Calculator to find out what your potential payments will be. This way you can find a car you love and stick to your budget at the same time.

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Get Pre-Qualified in Minutes

Make financing a breeze by filling out our pre-qualification form. Just provide us with some simple information and we’ll get you pre-qualified and ready to go!.

Get pre-qualified today

What about my credit score?

Most dealerships will impact your credit score when they perform a credit check. Not at Clement Ford. Our pre-approval process doesn’t affect your credit score at all.

Get an instant offer

How To Come Prepared

To make the financing process go as smoothly as possible, it helps to come prepared when you come to visit the Clement Ford dealership. Here are the things you should bring along with you:

Social security number
Driver's license
Proof of residency
Pay stub or other employment verification info
Required documentation for co-applicant and/or cosigner (if applicable)

Car Budget Calculator

Next Steps In the Buying Process

At this point, you are ready do a credit check

It’s time to start sifting through your options on financing a new or pre-owned vehicle from Clement Ford. With this in mind, we would like to invite you to take a couple minutes of your day and fill out our straightforward, safe credit loan application by pressing the button below.

Once we get our hands on this insight into your situation, our industry-leading credit and loan team will go ahead and begin gathering information regarding all of the auto loan offers for you.

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Don’t Forget your Trade-In

Get a real offer in minutes

Your trade-in can make a great down payment. Tell us your car's specific features and condition. They'll verify the offer using the same questions you answered at home.

Find out what you can get for your car today. Offers are good for 7 days. The offer is the same whether you sell or trade in.

Value Your Trade

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clement exclusive programs

At Clement, we set ourselves apart by offering financing options that work for everyone. We have guaranteed financing with over 100 lenders! Our special programs ensure you get the best financing for your needs. Check out our financing programs below!

put a quarter down program

The only down payment you need is a quarter. Our Quarter Down Program will ensure you get financed regardless of your financial history and your credit score. Clement is here to help.

First-Time Car Buyer Program

If you’ve never bought a car before, it can be exciting to find your first. It can also be intimidating. With the Clement First-Time Car Buyer Program, it doesn’t have to be! We’ll walk you through everything you need to know and find you the best car for your budget.

Foreign Business Professionals

Establishing credit can be difficult when you’re starting from scratch. If you’ve recently moved to the US, don’t let your credit score prevent you from getting out on the road. Our Foreign Business Professionals Program has you covered.

bankruptcy program

Bankruptcy, while sometimes necessary, can make it hard to get a vehicle at most dealerships. That’s not the case here at Clement Ford. We’re always happy to work out a financing plan for you

Finding the right vehicle

Clement has plenty of vehicle options for you to choose from in our vast inventory, but how do you narrow things down? You can always talk to a friendly and knowledgeable Clement team member, or you can use our free online tools to help you get an idea! Check out our tools below:

What Works for my Budget?

The easiest way to narrow down the field is by figuring out how much you want to spend. With our free car payment calculator, you can find the cars and payments that work.

payment calculator

find your car

Do you have something specific in mind? Just let us know! Fill out our vehicle locator form and we’ll be happy to help you find the pre-owned vehicle of your dreams.

vehicle locator

Financing FAQs

Have questions about financing your vehicle? We have answers! Check out our FAQ below:

What is the Financing Process Like?

At Clement Ford, the financing process is as simple and pain-free as possible. First, it’s a good idea to jump ahead of the line and get pre-approved. This gets the ball rolling faster. When you’re ready to buy your vehicle, you can sit down with a member of our financing team and we’ll talk about your options. We’ll make sure to find the financing options that work best for you.

Why Finance with Clement?

The short answer is because we care. The longer answer is we understand everyone has different financial needs and histories. Regardless of your financial past, your debts, or your situation, we believe everyone deserves to have a vehicle if they want one. We make financing easy and transparent. No run-around and no hidden terms. Just simple, clear financing that works for your budget and puts you behind the wheel.

Am I Really Eligible for Financing?

Of course! We can work something out regardless of your financial background. We’ve financed individuals with bad credit, slow pay history, bankruptcies, repossession history, and more.

How Much Should My Down Payment Be?

That depends! You should never put down more than you can afford. Keep in mind, the larger the down payment, the less you’ll have to pay off. It can also potentially lower your monthly payments and interest rate. For a rule of thumb, 10-20% is a typical down payment, but we can take a down payment as low as a quarter at Clement.

Do I Need a Co-Signer?

A co-signer isn’t a necessity, but many buyers can benefit from using one. A co-signer with good credit or financial history can help you get better loan terms.