Aurora Ford Hay River|922 Mackenzie Hwy, Hay River

Get financing in simple steps

You need a new or pre-used Ford, but need some financial help. We have plenty of finance and leasing options to make it happen!

Financing a Ford has never been easier


We work for you

Aurora Ford Hay River’s team of Finance Managers makes buying a new Ford or pre-owned vehicle stress-free. We listen to understand your needs and work with more than a dozen lenders to get you flexible financing or leasing solutions. No matter what your current credit situation is, we can help and quickly get you behind the wheel of your next ride.

Get pre-approved online

Find out the best option for your situation with our online calculator. It's fast and easy to use.

Get pre-approved online
Pick your payment

Your credit score has an impact on your interest rate. Check your status with no impact on your score! We offer financing options for all credit situations.

Get payment options

Ford financing
& leasing options


Get pre-approved
Aurora Ford Hay River financing and leasing

We have lots of financing and leasing options because we work with Canada's big banks and lenders. We even have our own finance company, Yes Plan, to get you approved, so if you have a low credit rating or are a first-time buyer, we don't have to rely on the banks.  

Buying

There are lots of options to get you into your next set of wheels. Soon, you will be building equity in your new or pre-owned vehicle. Use our calculator to easily work out your payments.

Leasing a Ford

Aurora Ford Hay River has quite a few leasing options on hand, as well as Ford's Red Carpet leasing. Each choice has a selection of kilometer options and lease-end choices. Enjoy all the benefits exclusive to leasing!

Explore leasing

Lease-end options


It's always a good idea to plan ahead for when your lease ends, so you're not waiting for your next vehicle. There are three possibilities. Please refer to your Lease-End Agreement for complete details.

  • Buy your lease vehicle
  • Purchase or lease a new Ford
  • Return your lease vehicle to Aurora Ford Hay River

Remember to check your lease vehicle for excess wear and tear. If you leased directly from Ford, refer to the wear and tear guidelines mailed to you prior to lease-end or look at the guidelines, linked below. On that page, you'll find a link to the wear and tear checklist.

Does leasing or financing affect insurance rates?


Some of our customers ask: “Is insurance more expensive if I lease a car?” Quite simply, the answer is no. Let's look at how insurance rates are calculated.

How is car insurance calculated?

Here is how insurance rates are calculated in Canada. They are based on where you live, how you drive, and the make, model, and age of your vehicle. How you pay for your car doesn't determine your insurance rates. Be sure to let your insurance company know you’re leasing.

Financial interest in the vehicle

A lender has a financial interest in your vehicle. This means that the name of the financing company or the lease company should be on your insurance policy so that the lender's investment is protected.

What happens if I have an accident?

A finance or leasing company will be paid first if there is an accident or the car is written off. Next, you will receive a payment if your car is worth more than what is owed to the lender.  If you do not have equity in the vehicle and owe more than it is worth, gap insurance will cover the outstanding amount. Your insurance agent can give you full details.  

More information?

Your vehicle insurance agent is the best person to explain what your policy covers, along with the fine print. If you change vehicles or decide to lease instead of financing, contact your insurance company as soon as possible.

Ford Commercial Options


Businesses can access flexible automotive financing and leasing packages from Ford Canada.

Commercial Purchase

  • Traditional financing
  • Flexible terms
  • No hidden fees
  • Combined billing available.

Red Carpet leasing from Ford

  • Lease payments are usually lower than finance payments
  • Allows for your cash to be invested in your business
  • Short-term leasing allows newer vehicles more often
  • GAP insurance.

Commercial Lease

  • New and used vehicles available
  • Open-ended lease program
  • Vans, trucks, and cars available
  • Upfit vehicles available
  • Heavy-use vehicles and high-kilometer vehicles are available.

Commercial Line of Credit

  • Credit lines begin at $250,000; your business can free-up capital
  • No non-utilization or set-up charges
  • Credit can be used for Retail, Red Carpet Lease, and Commercial Lease financing.

Combined billing

  • Combined billing is free if your business has two or more accounts
  • For retail and Red Carpet Lease, and Commercial Lease Customers
  • Simplify payments by consolidating your monthly statements.

Find out more information

  • Contact Aurora Ford Hay River for more information and we'll be happy to assist with anything you need. 

Meet the
Go Auto App


Download the Go Auto App to start earning Go Card rewards today!

  • Save 10% on service, get 5% back in rewards, and earn $500 in referral rewards
  • Book service appointments with ease
  • View your entire service history, with videos, in one place
  • Pay for your service with just a few clicks
  • And more

FAQ from Aurora Ford Hay River

What should I bring to my finance appointment?

All buyers should bring a valid government-issued driver's license, current pay stub or void cheque. Depending on the specifics of your purchase, you may be required to bring additional information. For a complete list of what you'll need, call us ahead of time and speak with a sales consultant.

Will I be approved?

Four main factors determine whether you get approved for a car loan. The new or pre-used vehicle's cost, age, and mileage. Your employment history, residence, and income. Your credit history, which is the information in your credit file. A down payment, which can be the total of cash and trade equity. Also, try to provide as large of a down payment as you can.

How are my car payments calculated?

Once you're approved for a car loan, three factors will affect your monthly payment (in order of importance): Amount financed; term or length of contract; and Annual Percentage Rate (APR). We offer competitive rates from a variety of finance companies to fit nearly every budget and credit profile. You can learn more about your personal finance options at any Go Auto dealership.

How do I budget for my car payments?

Almost all financial advisors say not to spend more than 15% of your gross monthly income on your car payment. For example, if you make $5,000 a month then pay no more than $750 on your car payment.

What is my credit score?

Your credit score is a number that helps financial institutions predict the risk associated with your purchase of a car, house, use of a credit card, or any other financial products, etc. A credit score ranges from about 350 to 850 and is used to forecast if you will pay your bills on time. In general, the higher your credit score, the more likely you are to get approved for a car loan. The systems that generate your credit score look at your credit report and take several factors into account when determining your credit score, including, for instance, your payment history, and the number of inquiries made on your credit report.

How is my credit score calculated?

Your credit score is a number that ranges from about 350 to 850. In general, the higher the number, the more likely you are to get approved for a car loan. The systems that generate your credit score look at your credit report and take several factors into account, including: the timeliness of your payments, including late payments, the amount and type of debt you have, and the number and age of your credit accounts inquiries created by applying for credit public records such as liens and judgments.

Should I finance or lease?

Do you prefer to drive a new vehicle that will always be under warranty every few years? That's one advantage of leasing. Do you prefer to build up equity and drive one car for a long time? Then consider financing. å There are all sorts of factors to consider when choosing between financing and leasing. Luckily, we have a team of finance experts who are Happy to Help you find the best option for you. Call 416-333-3333 or any Go Auto dealership to schedule a free consultation. You can also learn more at our financing vs leasing page.

Can I qualify for financing on my first vehicle?

Of course. Many Aurora Ford Hay River customers qualify for financing on their first vehicle purchase. If a normal credit determination cannot be made based on your current credit history, you may still qualify for other programs, like those for recent college graduates. Stipulations for college students vary by finance company. Check with a finance professional at any of our Go Auto dealerships for more information.

Does Ford have their own financing?

Yes, Ford has their own financing available through Ford Credit. At Aurora Ford Hay River, our team works with over a dozen lenders, our in-house financing branch, and directly with Ford Credit to ensure we’re providing the best financing solutions to our valued customers.

Can I qualify for financing on my first vehicle?

Of course. Many Go Auto customers qualify for financing on their first vehicle purchase. If a normal credit determination cannot be made based on your current credit history, you may still qualify for other programs, like those for recent college graduates. Stipulations for college students vary by finance company. Check with a finance professional at any of our Go Auto dealerships for more information.

How long does it take to get approved for Ford Credit?

Applying for credit online has never been easier or more secure. Through Ford Credit, approvals can happen in a matter of minutes or up to a few days.

Before submitting your application or filling out our pre-approval form, please note that the following will be looked into:

  • Your age, to qualify for a loan you must be the age of majority in the province where you live

  • Your income and how long you’ve been employed

  • Your credit payment history and any delinquent accounts, repossessions, foreclosures, or bankruptcies

Your approval for Ford Credit financing or leasing will be based on your eligibility and credit score.


How late can I be with my Ford payment?

Financing through Ford Credit allows for a grace period on late payments between 7 - 15 days. Grace periods and late payment fees will vary from lender to lender. If you need to defer a payment or want to understand more about the grace period and late payment fees with your lender, contact user and we’ll be happy to assist you.


Is it hard to get financed through Ford Credit?

Getting financed through Ford credit will depend on meeting the eligibility requirements and your credit score. Typically, Ford Credit will look for a credit score range between 650 and 850 for loan approval. Don’t worry if your credit score is below 650 or if you don’t have a credit history at all, our team at Aurora Ford Hay River is here to help!

Aurora Ford Hay River is experienced in working with all credit situations. With our extensive list of lenders available, financing options through Ford Credit, and additional financing options through our parent company, Go Auto, our team will be able to get you approved!