2000 East Baker St. Plant City, FL 33563
(813) 752-4171
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JARRETT SCOTT FORD

Plant City, FL 33563
(813) 752-4171

Financing Made Simple

Get pre-qualified in minutes. All credit situations welcome.

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All Credit Welcome

Bad credit, no credit, first-time buyers -- we work with every situation to get you approved and on the road.

Quick Approval

Get a financing decision in minutes, not days. Our streamlined process gets you behind the wheel faster.

Competitive Rates

We work with 20+ lenders to find you the best possible rate. Save thousands over the life of your loan.

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Estimated Monthly Payment
$573
per month
Loan Amount $32,000
Total Interest $2,372
Total Cost $34,372
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Ready to Get Started?

Our online pre-qualification takes just 60 seconds and won't impact your credit score. Get matched with the right lender and see your estimated rate before you even visit the dealership.

  • Valid driver's license or state ID
  • Proof of income (recent pay stub or tax return)
  • Proof of residence (utility bill or bank statement)
  • References (name and phone number)
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Quick form -- no impact to your credit score

No impact to your credit score. Your information is encrypted and secure.

Value Your Trade

Wondering what your current vehicle is worth? Get an instant, no-obligation trade-in estimate online. Apply it as a down payment to lower your monthly payment even further.

Our trade-in appraisals are competitive, transparent, and honored for 7 days -- whether you buy from us or not.

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Frequently Asked Questions

We work with all credit situations -- from excellent to challenged. There is no minimum credit score requirement to apply. Our finance team partners with 20+ lenders who specialize in every credit tier, including first-time buyers with no credit history. The best way to find out your options is to apply online -- it takes just 60 seconds and won't affect your score.
Most applications are processed within minutes during business hours. Our system instantly submits your application to multiple lenders simultaneously, so you'll often have a decision before you finish browsing our inventory. In some cases, additional documentation may be needed, but our team works quickly to get you approved the same day.
Yes, we offer zero-down payment options for qualified buyers. While a down payment can lower your monthly payment and reduce the total interest paid, we understand it's not always possible. Our finance team will work with you to find a plan that fits your budget, whether that includes a down payment, trade-in, or neither.
To complete your financing application, you'll typically need: a valid driver's license or state-issued ID, proof of income (such as recent pay stubs, W-2s, or tax returns), proof of residence (utility bill, lease agreement, or bank statement), and personal references. For the initial pre-qualification, you only need basic contact information -- no documents required upfront.
It depends on your driving habits and financial goals. Financing means you own the vehicle outright once the loan is paid off, and there are no mileage restrictions. Leasing typically offers lower monthly payments and the ability to drive a new car every few years, but you'll need to stay within mileage limits. Our finance team can walk you through both options to find the best fit for your lifestyle.
Yes! If interest rates have dropped since you purchased your vehicle, or if your credit score has improved, refinancing could save you hundreds per month. We can help you explore refinancing options through our lender network. Stop by or give us a call at (813) 752-4171 to discuss your current loan and see if refinancing makes sense for you.

Ford Financing at Jarrett Scott Ford in Plant City, FL

Jarrett Scott Ford makes Ford financing in Plant City, FL easy for drivers throughout the Tampa Bay area. Our experienced finance department works with over 20 banks and credit unions to secure the most competitive Ford Credit auto loans available, regardless of your credit history. Whether you're purchasing a new Ford F-150, Explorer, Bronco, or financing a quality pre-owned vehicle, we'll tailor a payment plan that fits your monthly budget. Apply online in minutes for a no-obligation pre-qualification that won't affect your credit score.

Ford Credit Auto Loans & Special Programs

As an authorized Ford dealer, Jarrett Scott Ford offers exclusive financing programs through Ford Credit. Take advantage of low APR financing offers, special lease programs, and first-time buyer incentives available only through the Ford brand. Current offers include competitive rates on the 2026 F-150, Explorer, and Bronco Sport lineups. Proudly serving Tampa, Lakeland, Brandon, and all of Hillsborough County -- visit our new vehicle inventory to find the model you love, then let our finance team show you how affordable it can be.