Melloy Ford Financing

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.

Melloy Ford Finance Center • Los Lunas, New Mexico

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.

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Financing 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.

1
ApplyComplete our secure online credit application or stop by Melloy Ford in Los Lunas.
2
See Your OptionsWe'll review available loan or lease programs and explain the numbers clearly.
3
Choose What WorksSelect the vehicle and financing option that make sense for you. We handle the paperwork from there.

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

Excellent Credit
Generally 720+

May qualify for some of the strongest available lender rates and Ford Credit promotional programs on eligible vehicles.

Good Credit
Generally 660–719

Competitive financing may be available through Ford Credit, banks, credit unions, and other lending partners.

Fair or Rebuilding Credit
Generally below 660

We work with lenders that consider more than a credit score alone. Down payment, income, vehicle choice, and overall application can all matter.

First-Time Buyer
Limited or no established history

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.

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Financing with Our Dealership

Melloy Ford takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

Vehicle Protection Products at Melloy Ford

When you purchase or finance a vehicle at Melloy Ford, our finance team can explain a range of optional vehicle protection products available through Fidelity Warranty Services and JM&A Group. These products are designed to help protect your vehicle, reduce certain unexpected ownership expenses, and make future costs more predictable. Every protection product is optional. Our job is to explain the available coverage clearly so you can decide what fits your vehicle, budget, driving habits, and ownership plans.
A note about MelloyCare+: New vehicles purchased at Melloy Ford include two years of MelloyCare+, helping cover scheduled maintenance during early ownership. An optional prepaid maintenance plan may extend scheduled maintenance protection beyond the included MelloyCare+ period. Other products described below address expenses that routine maintenance and factory warranty coverage may not cover.
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Vehicle Service Contract

Protection from certain covered mechanical breakdowns

A 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 contracts

Total Loss Protection | GAP

Helps address a possible loan balance deficiency

GAP 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 protection

Prepaid Maintenance Plan

Helps keep scheduled vehicle service costs predictable

A 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 maintenance

Road Hazard Tire & Wheel Protection

Protection from eligible road-hazard damage

Road 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 protection

Appearance Protection

Interior and exterior surface protection

Appearance 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 protection

JM&A Courtesy Guard

Theft-deterrent vehicle identification protection

Courtesy 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 products
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Protection Products at a Glance

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ProductWhat It Helps CoverMay Be Helpful For
Vehicle Service ContractCertain covered mechanical and electrical breakdownsDrivers planning longer ownership or higher annual mileage
Total Loss Protection | GAPAn eligible difference between an insurance settlement and finance balanceLong loan terms, smaller down payments, or financed negative equity
Prepaid MaintenanceSpecified scheduled maintenance services during the selected termDrivers who want predictable maintenance costs and consistent upkeep
Road Hazard Tire & WheelEligible tire and wheel damage caused by covered road hazardsDrivers dealing with rough roads, potholes, or expensive wheel packages
Appearance ProtectionCertain covered interior, exterior, environmental, spill, and stain damageOwners focused on appearance, resale condition, or trade-in value
Courtesy GuardTheft-deterrent identification and an eligible limited theft benefitOwners seeking an additional layer of theft deterrence
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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.

Important: This page provides a general overview for informational purposes only and does not amend, replace, or become part of any product agreement. Product availability, eligibility, coverage, benefits, deductibles, exclusions, limitations, cancellation provisions, and administrator information may vary by vehicle, contract, lender, and state. Not every listed product or benefit is available on every vehicle or transaction. Please review the actual product agreement before purchase. Optional protection products are not required to purchase or finance a vehicle.

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.

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We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

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.

  1. Melloy Ford

    499 Emilio Lopez Rd
    Los Lunas, NM 87031

    • Sales: (505) 866-3100
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Get in Touch

  • Contact our Sales Department at: (505) 866-3100
  • Monday9am-7pm
  • Tuesday9am-7pm
  • Wednesday9am-7pm
  • Thursday9am-7pm
  • Friday9am-7pm
  • Saturday9am-6pm
  • SundayClosed