Auto Financing Should Be Easy, Clear, and Surprise Free
Whether your credit is excellent, rebuilding, or somewhere in between, Melloy Ford helps drivers from Los Lunas, Albuquerque, and Belen find financing options that fit real life. Get pre-approved online, value your trade, and explore financing on new and used Ford vehicles.
Let's Find a Way to Get You Driving.
Great credit, rebuilding credit, first vehicle, trade with a payoff, or something in between. Our finance team works with Ford Credit and a network of lenders to help find financing options that fit your vehicle, budget, and situation.
Get Pre-ApprovedEstimate My PaymentFinancing Doesn't Have to Be Complicated
Whether you're shopping for a new Ford F-150, Super Duty, Bronco, Explorer, Maverick, or a quality used vehicle, Melloy Ford can help you explore loan and lease options from multiple lending sources.
We serve customers from Los Lunas, Albuquerque, Belen, Bosque Farms, Isleta, Rio Rancho, and communities throughout Valencia and Bernalillo counties.
Your Credit Doesn't Have to Be Perfect.
Don't assume you won't qualify before you apply. We work with customers across a wide range of credit histories, including first-time buyers and people rebuilding after past credit challenges. Our goal is simple: find the best approval available for your situation.
Financing for a Wide Range of Credit Profiles
May qualify for some of the strongest available lender rates and Ford Credit promotional programs on eligible vehicles.
Competitive financing may be available through Ford Credit, banks, credit unions, and other lending partners.
We work with lenders that consider more than a credit score alone. Down payment, income, vehicle choice, and overall application can all matter.
Ask our finance team about programs that may be available for qualified first-time buyers through Ford Credit or participating lenders.
Credit ranges are general examples only and do not determine approval, interest rate, payment, or program eligibility. Financing is subject to lender approval and applicable program requirements.
Lease or Finance? We'll Show You Both.
Leasing may make sense if you prefer driving a newer Ford every few years, expect predictable annual mileage, and value a potentially lower monthly payment.
Financing may be the better fit if you drive higher mileage, want to build ownership equity, plan to keep your Ford long-term, or simply want the freedom that comes with owning the vehicle.
Instead of guessing, our finance team can compare available lease and finance options side by side so you can see the actual difference in payment, term, mileage limits, and long-term cost.
Ford Credit Financing
As an authorized Ford dealership, Melloy Ford can offer eligible customers financing and lease programs through Ford Credit. Available incentives, promotional APR programs, lease offers, and qualification requirements vary by vehicle and change regularly.
Our team can also compare Ford Credit programs with financing available through participating banks, credit unions, and other lending partners.
What to Bring
Having a few basic items ready can make the financing process easier:
- Valid driver's license or government-issued photo ID
- Proof of income if requested by the lender
- Proof of residence if requested
- Current insurance information
- Trade-in title or payoff information, if applicable
- Social Security number for the credit application
- References if required by the lender
- Down payment, if applicable
Ford Financing in Los Lunas, New Mexico
Melloy Ford is located at 499 Emilio Lopez Rd in Los Lunas, just off I-25 south of Albuquerque. We regularly help customers from Albuquerque, Belen, Bosque Farms, Peralta, Isleta, Rio Rancho, and throughout central New Mexico.
Already have a financing offer from your bank or credit union? Bring it with you. We'll compare it with the options available through our lending network so you can make the decision that works best for you.
Ready to See Your Options?
Start online and let our finance team go to work for you.
Get Pre-ApprovedCalculate My PaymentFinancing with Our Dealership
Vehicle Protection Products at Melloy Ford
Vehicle Service Contract
Protection from certain covered mechanical breakdownsA vehicle service contract helps cover the cost of certain unexpected mechanical and electrical repairs, including eligible repairs that may occur after the original factory warranty expires.
Available coverage may include:
- Engine, transmission, and drive-axle components
- Steering, suspension, and cooling systems
- Air-conditioning and heating components
- Electrical systems, sensors, and modules
- Fuel-system and brake components
- Alternate transportation and roadside benefits
- Travel protection for certain covered breakdowns
Fidelity Warranty Services offers multiple coverage levels, allowing eligible customers to select protection based on their vehicle, needs, mileage, budget, and expected length of ownership.
Covered service is available through thousands of participating service centers throughout the United States and Canada. Coverage, exclusions, deductibles, mileage limits, and benefits vary by the contract selected.
Learn about Fidelity vehicle service contractsTotal Loss Protection | GAP
Helps address a possible loan balance deficiencyGAP may help waive the difference between the amount you owe your finance company and the amount paid by your automobile insurer if your vehicle is stolen or declared a total loss.
GAP may be especially useful when you:
- Make a small down payment
- Finance for 60, 72, or 84 months
- Include prior negative equity in the new loan
- Purchase a vehicle that depreciates quickly
- Would have difficulty paying a remaining balance after a total loss
For example, your insurance company may pay the vehicle's actual cash value after a covered total loss, but that amount may be less than the balance remaining on your loan. GAP is designed to help address an eligible difference, subject to the terms and limitations of the agreement.
GAP does not replace automobile insurance and does not provide collision, comprehensive, liability, or property-damage coverage.
Learn about Fidelity GAP protectionPrepaid Maintenance Plan
Helps keep scheduled vehicle service costs predictableA prepaid maintenance plan covers specified routine maintenance services during the selected term. Instead of paying separately for each covered visit, you purchase a defined schedule of eligible maintenance services in advance.
Depending on the plan selected, services may include:
- Engine oil and filter changes
- Tire rotations
- Multi-point inspections
- Brake inspections, cleaning, or adjustments
- Additional scheduled services listed in the agreement
Prepaying can help protect against future increases in labor and service costs while encouraging consistent maintenance according to the selected service schedule.
Available terms, mileage allowances, intervals, and covered services vary. Review the maintenance agreement for the exact schedule applicable to your vehicle.
Learn about Fidelity prepaid maintenanceRoad Hazard Tire & Wheel Protection
Protection from eligible road-hazard damageRoad Hazard Tire & Wheel Protection helps cover eligible tire and wheel repair or replacement costs when damage is caused by covered road hazards such as potholes, nails, glass, or roadway debris.
Available benefits may include:
- Tire repair or replacement
- Wheel repair or replacement
- Cosmetic wheel repair with eligible coverage
- Roadside-assistance reimbursement
- Alternate transportation benefits
- No deductible on certain covered services
This protection can be especially valuable on Ford vehicles equipped with larger wheels, low-profile tires, performance tires, or more expensive factory wheel packages.
Damage caused by accidents, misuse, vandalism, theft, negligence, normal wear, or tires below the contract's minimum tread-depth requirement may not be covered.
Learn about Fidelity tire and wheel protectionAppearance Protection
Interior and exterior surface protectionAppearance Protection helps preserve eligible interior and exterior vehicle surfaces from certain environmental exposure, spills, stains, and other covered damage associated with daily use.
Available protection may include:
- Ceramic-based exterior surface protection
- Protection from oxidation and fading
- Protection from certain bird-dropping or insect damage
- Protection from certain hard-water stains and environmental fallout
- Interior spill and stain protection
- Protection from certain UV exposure and temperature effects
Maintaining your Ford's interior and exterior condition can improve its appearance throughout ownership and may help preserve future resale or trade-in appeal.
Covered surfaces, treatments, repair benefits, exclusions, and claim requirements are determined by the Appearance Protection agreement.
Learn about Fidelity appearance protectionJM&A Courtesy Guard
Theft-deterrent vehicle identification protectionCourtesy Guard is a theft-deterrent system that applies a permanent, uniquely identifiable ultraviolet marking to the vehicle. The marking is designed to help identify the vehicle and discourage theft.
Courtesy Guard provides:
- A unique vehicle identification marking
- An ultraviolet label visible under black light
- A theft-deterrent warning for potential thieves
- Additional vehicle-identification assistance
- An eligible limited theft benefit if the vehicle is not recovered
Courtesy Guard may provide a limited financial benefit if the covered vehicle is stolen and not recovered within the period stated in the agreement. The benefit amount, waiting period, eligibility requirements, exclusions, and claim procedures are governed by the actual Courtesy Guard limited warranty.
Courtesy Guard is not automobile insurance and does not guarantee that a vehicle will not be stolen or that a stolen vehicle will be recovered.
Learn about JM&A theft-protection productsProtection Products at a Glance
| Product | What It Helps Cover | May Be Helpful For |
|---|---|---|
| Vehicle Service Contract | Certain covered mechanical and electrical breakdowns | Drivers planning longer ownership or higher annual mileage |
| Total Loss Protection | GAP | An eligible difference between an insurance settlement and finance balance | Long loan terms, smaller down payments, or financed negative equity |
| Prepaid Maintenance | Specified scheduled maintenance services during the selected term | Drivers who want predictable maintenance costs and consistent upkeep |
| Road Hazard Tire & Wheel | Eligible tire and wheel damage caused by covered road hazards | Drivers dealing with rough roads, potholes, or expensive wheel packages |
| Appearance Protection | Certain covered interior, exterior, environmental, spill, and stain damage | Owners focused on appearance, resale condition, or trade-in value |
| Courtesy Guard | Theft-deterrent identification and an eligible limited theft benefit | Owners seeking an additional layer of theft deterrence |
Common Questions About Vehicle Protection Products
Who administers these protection products?
Melloy Ford offers several optional protection products administered by Fidelity Warranty Services. Courtesy Guard theft-deterrent protection is offered through JM&A Group. The specific provider, administrator, obligor, or warrantor is identified in each individual agreement.
Can these products be included in my financing?
In many cases, eligible protection products may be included in vehicle financing so their cost is spread across the scheduled payments instead of being paid entirely upfront. Including a product in financing increases the total amount financed and may increase the total finance charge.
Are protection products required to receive financing?
No. Purchasing an optional vehicle protection product is not required to obtain financing, purchase a vehicle, or receive any advertised vehicle price.
Can a protection product be canceled?
Cancellation rights vary by product, state law, contract terms, elapsed time, and vehicle usage. Any refund may be reduced by an administrative fee, claims paid, time, or mileage. When a product is financed, an eligible refund may be sent to the finance company and applied to the loan balance rather than paid directly to the customer.
Is a vehicle service contract the same as a factory warranty?
No. A factory warranty is provided with the vehicle by its manufacturer. A vehicle service contract is optional protection purchased separately and is governed by its own terms, covered components, exclusions, limits, and deductible provisions.
Does GAP replace my automobile insurance?
No. GAP works in connection with the settlement provided by your primary automobile insurer after an eligible total loss. It does not provide liability, collision, comprehensive, medical-payment, or property-damage insurance.
Does Courtesy Guard guarantee that my vehicle will not be stolen?
No. Courtesy Guard is a theft-deterrent and vehicle-identification product. It does not guarantee theft prevention or vehicle recovery. Any theft benefit is subject to the Courtesy Guard limited warranty's eligibility requirements, exclusions, waiting period, limits, and claim procedures.
Questions About Your Protection Options?
Our finance team can explain the available products, coverage levels, costs, exclusions, and contract terms so you can make an informed decision.
Get Pre-ApprovedContact Our Finance TeamWe Make it Easy!
Financing FAQ - Melloy Ford Los Lunas
Can I get approved with less-than-perfect credit?
Yes. We work with a wide range of credit situations and will help explore financing options that fit your needs.
Can I apply for financing online?
Absolutely. Use our secure online application to get started anytime from your phone or computer.
Will applying affect my credit score?
A credit application may include a credit check, but our team will walk you through what to expect before moving forward.
Can I trade in my current vehicle?
Yes. Your trade-in can help reduce the amount financed and may lower your monthly payment.
Is financing available for used vehicles?
Yes. We offer financing options for both new and used vehicles in our inventory.
Should I lease or finance my next vehicle?
That depends on your driving habits and long-term goals. Our team can help you compare lease and loan options to find the best fit.
How long does the financing process take?
Many applications can be reviewed quickly, and we work to make the process as fast and simple as possible.
Ready to begin?
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Melloy Ford
499 Emilio Lopez Rd
Los Lunas, NM 87031
- Sales: (505) 866-3100