Welcome to the financing section of your neighborhood Bill Hood Ford website. No matter what your credit score may be (good or bad), Bill Hood Ford is willing to stand in your corner to fight for financing by connecting you with diverse lenders who specialize in automotive loans. Our rapport with lenders helps you obtain the financing you need. They know that our vehicles are thoroughly inspected and that our used vehicles are reconditioned to provide you with a reliable work vehicle.

Is Financing a Car a Good Idea?

When you finance a vehicle, you benefit from all the virtues that go along with ownership. You will have unlimited mileage to travel as much as you'd like without incurring penalties. When it comes to styling your vehicle, you have diverse options to customize your vehicle as you see fit.

The best part is the cost-savings. If you have the wisdom to consolidate repairs and overhaul aging parts (when your vehicle passes a threshold of years or miles,) you can give your vehicle a second wind that keeps it running like new for another 10-years. This can save you significant money and is of the most benefit when you need a particular type of work truck to fill a role in your life. Work trucks are great to finance because you can incur cosmetic wear in the bed and body without worries. If you don't plan on parking your vehicle in a garage and want to take it off-roading, there is no need to fret about depreciation costs.

When it comes to improving your credit, a vehicle is a huge investment that demonstrates to lenders that you are responsible enough to buy a home. Buying a new car is one of the primary requisites for obtaining a home mortgage loan through traditional routes. The more property that you own, the higher your credit score will soar. The difference between people with high credit lines and those with low credit lines is generally the value of properties that they own as collateral for defaults.

Is There a Minimum Credit Score to Finance a Car?

There is really no minimum credit score to finance a vehicle because some lenders specialize in high-risk financing. They know which cases fit the criteria for a safe investment despite black marks in the past. Although they must hedge against default by charging higher interest rates, our dealership makes them comfortable with lending. Lenders know that our vehicles are reliable and that you won't go underwater on your loans. Although we cannot guarantee that they will grant a loan, you stand a far better chance when the lenders have faith in repossession and resale of the vehicle for fair value to hedge against losses.

We help you obtain lending at fair rates and try to retain your long-term satisfaction as you study or work your way back up the corporate ladder. No matter what your goals may be in life, we believe that everyone deserves a safe and reliable vehicle to get to their school or work. When we provide what we believe to be the best used vehicles for sale, everyone in the community benefits from the safety and opportunities that car ownership create. Contact us today to let us help you finance your next vehicle!

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Bill Hood Ford
1500 North Morrison Blvd
Hammond, LA 70401

(877) 893-6988
Ford Service Center in Hammond


Bill Hood Ford Lincoln

1500 North Morrison Blvd.
Directions Hammond, LA 70401

  • Sales: (985) 542-1021
  • Service: (985) 345-0518
  • Parts: (985) 345-3118

Service Hours

  • Monday 7:30AM - 5:30PM
  • Tuesday 7:30AM - 5:30PM
  • Wednesday 7:30AM - 5:30PM
  • Thursday 7:30AM - 5:30PM
  • Friday 7:30AM - 5:30PM
  • Saturday 8:00AM - 2:00PM
  • Sunday Closed