Ford financing in Delavan, WI — done with one person

The Dino financing process

1. Step 1 · ApplyApply online, in person, or by phone. Dino emails you a secure Ford Credit application link or a multi-lender soft-pull pre-qualification form. Soft pull doesn't affect your credit score.
2. Step 2 · Multi-lender quoteDino submits your application to Ford Credit plus your choice of bank or credit union. Each lender returns rate, term, and monthly-payment options.
3. Step 3 · Side-by-side comparisonDino lays the offers next to each other so you can pick the right structure. He'll walk through APR vs. money factor, term tradeoffs, and any manufacturer incentives that swing the math.
4. Step 4 · Out-the-door pricingBefore you sign, you see the full price in writing: vehicle, taxes, title, doc fee, trade credit, lender fee. No surprises in the F&I office.
5. Step 5 · Sign and driveMost paperwork is done at Dino's desk, not in a separate finance manager's office. If you prefer remote signing or home delivery, Dino can arrange both.

What to bring

• Current driver's license
• Proof of insurance (or insurance company + policy number)
• Proof of income (recent pay stub or 2 months of bank statements)
• Proof of residence (utility bill or lease)
• Trade-in title + payoff info (if applicable)
• Three personal references (first-time buyers)
• Ford A/X/Z/D-Plan PIN if you qualify
• Co-signer documents (if using a co-signer)

Frequently asked financing questions

How does Ford financing work at Kunes Ford of Delavan?

Dino Savaglio collects a credit application — online, in person at Kunes Ford of Delavan, or over the phone — and submits it to the lenders you want to consider: Ford Credit, your own bank, a local credit union like Educators Credit Union or Landmark Credit Union, or a national lender. Each lender returns a rate and term offer, usually within minutes. Dino lays the offers side by side and walks through which structure makes the most financial sense given your timeline, monthly budget, and trade-in value. You see the full out-the-door price in writing — vehicle price, fees, taxes, title, doc fee, trade credit, lender fee — before signing anything. Call (262) 455-8480 to start the conversation.

What credit score do I need to finance a Ford?

Ford Credit and most regional bank lenders prefer scores above 660 for the lowest tier of advertised promotional rates. Buyers with scores between 580-660 are commonly approved at slightly higher rates with a modest down payment. Below 580 requires more documentation but is regularly approved with proof of stable income and a meaningful down payment, often through a special-finance lender that Kunes Ford of Delavan has a relationship with. First-time buyers without credit history can usually qualify with a co-signer or through Ford Credit's First-Time Buyer Program if other criteria are met. Dino will walk through realistic rate expectations after seeing the credit report — no guessing, no bait-and-switch on rate.

Should I lease a Ford or buy it in Wisconsin?

Lease if you drive under 12,000-15,000 miles a year, want a new vehicle every 24-36 months, and want predictable monthly payments without long-term ownership. Buy if you drive over 15,000 miles a year, plan to keep the vehicle past 4 years, or value building equity in an asset you can later sell or trade. In Wisconsin, leases have one quirky factor: the personal-property tax on leased vehicles is paid annually by the lessor and rolled into payments — confirm with Dino how it impacts your specific deal. Most Delavan-area buyers who drive long distances (boat to Lake Geneva, weekend trips north) buy rather than lease. Commuters tend to lease.

What is the difference between Ford A-Plan, X-Plan, Z-Plan, and D-Plan?

These are Ford's employee and partner pricing tiers. A-Plan is for current Ford Motor Company employees and their immediate family members; D-Plan is for retired Ford employees; X-Plan (also called the Partner Recognition Program) is for employees of partner companies like Microsoft, Polaris, and many others; Z-Plan covers Ford dealership employees. All four plans bypass dealer negotiation and use a fixed published price below MSRP — usually $400-$1,500 below sticker depending on model. If you qualify, bring your A/X/Z/D-Plan PIN number to Kunes Ford of Delavan and Dino will apply it. The price is non-negotiable in either direction.

Can I finance a used Ford through Ford Credit, or only a new one?

Ford Credit finances both new and certified pre-owned Ford vehicles, including extended factory-warranty CPO coverage roll-in. Non-certified used Fords and used vehicles of other makes (Chevy, Toyota, Ram, etc.) get financed through partner banks and credit unions rather than Ford Credit. Rates on used financing typically run 1-2 percentage points higher than new — this is standard across all lenders, not specific to Kunes Ford of Delavan. Term length is also usually capped shorter (60 or 72 months instead of 84) on older used inventory. Dino can run the same multi-lender pricing exercise for used as for new.

What documents should I bring to apply for Ford financing?

Bring a current driver's license, proof of insurance (or insurance company name + policy number — the insurance change can be made same-day), proof of income (recent pay stub or two months of bank statements for self-employed buyers), and proof of residence (utility bill or lease). If you're applying with a co-signer, bring the same documents for them. If you have a trade-in, bring the title and any payoff information from your existing lender. First-time buyers should bring a list of three personal references with phone numbers. Apply online ahead of time at Kunes Ford of Delavan's site or just call (262) 455-8480 and Dino will email you a direct application link.

How long does Ford financing approval take?

For buyers with established credit history, approval is typically returned within 5-15 minutes during business hours. Lenders run automatic decisioning systems that respond almost instantly. Buyers with thinner credit history or who need manual underwriting may wait 30 minutes to a few hours; complex cases (self-employed income verification, recent bankruptcy, very young credit file) can take 24-48 hours and may require additional documentation. Dino will set expectations honestly when he submits your application — if it's going to take longer, he'll tell you up front instead of leaving you wondering. You don't have to sit in the showroom while the approval comes back; Dino calls or texts as soon as it lands.

Can I get pre-approved for a Ford loan before I visit the dealership?

Yes — and Dino strongly recommends it. Pre-approval gives you a confirmed maximum loan amount and rate before you start shopping, which lets you negotiate from the position of a cash buyer and avoid the financing surprise that hurts many first-time buyers. Call (262) 455-8480 and Dino will email you a Ford Credit application link or a multi-lender soft-pull pre-qualification form (no hard credit inquiry). Soft-pull pre-qualification doesn't affect your credit score and gives you a realistic rate range within hours. The hard inquiry only happens when you commit to a specific vehicle. Pre-approval typically stays valid for 30-60 days.