Our Finance Team is committed to helping our Customers with their Credit Approval needs. Our Dealership has access to millions of dollars of credit from a variety of Lending Sources, and as a result, we are able to provide you with more options. We understand that bad things happen to good people and that's why Empire Ford is the #1 dealer in "Credit Amnesty!"

Good Credit, Bad Credit, No Credit... We are here to help!
Call us today at 888-722-6063.

Bryce Sewall
Roberto Perez


It's our job to get you the best financing deal that is possible towards your vehicle purchase here at Empire Ford. We have a great history of financing vehicles for owners that thought that their credit placed them far away from the car, truck or SUV they wanted or needed. We are thoroughly committed to getting you the credit that you deserve and the vehicle you require. Make certain that you call us with your questions or concerns at
800-722-6063, ext. 6125.

When purchasing a new or used vehicle, you have a lot of choices when it comes to paying for it. You can either spend hours applying for loans and comparing offers or you can let Empire Ford do the work for you by financing through Ford Credit Financing.

  1. Standard Purchase Loan. A standard purchase loan can be used for a new or pre-owned vehicle and is available with various rates and terms, depending upon your credit. There are no mileage limitations.
  2. Red Carpet Lease. If you wish to, you could decide to lease your new Ford through Ford Credit's Red Carpet Lease program which can be customized to fit your needs. Choose from various mileage options and various terms, depending on your needs and what you qualify for. Leasing a vehicle will allow you to have lower monthly payments when compared to a standard purchase loan. You also have the option of purchasing the vehicle at lease-end. Leasing allows you to get into a newer vehicle more often
  3. Ford Rebates and Incentives. Ford offers a wide range of additional incentives, some of which can be combined. See dealer for complete details.

Your Credit Score

Your credit report influences your ability to obtain purchases on credit as well as your ability to rent an apartment, purchase a home, secure a job or even buy insurance. Although credit problems are common, few people understand how their credit history is collected and reported. Some of the following information may help in understanding your credit rating. It will show how this rating can "change your life."

The information in your credit history is used to create your credit score, a three-digit number that shows how likely you are to pay your debts. The higher the score the more likely you are to be a good credit risk. FICA credit scores range from 400s to about 850. Usually you need a score of at lease 600 to apply for a mortgage. Some companies charge lower interest rates to people with higher scores.

Bad Credit Hurts

People may want to check your credit history before they give you a job, lease on an apartment or house, purchase a vehicle or purchase an insurance policy. If your score is low, you may have to explain why. If your score is too low, you may not get what you want or you may be asked to pay more for it.

Your Credit History

If you have never seen your credit report or if you have not checked it in the past two years, you should request a copy from at lease one of the reporting agencies that we have listed. Check the report carefully to make certain there are no errors reflected in your credit report. You can correct a mistake by showing proof of the error to both the entity that reported the error and the reporting agency but it may take some tie and effort.

You may request your credit report from these agencies:

Equifax Information Services LLC
P.O. Box 740241
Atlanta, GA 30374

TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022800-888-4213

National Consumer Assistance Center
P.O. Box 2104
Allen, TX 75013

Steps Toward Better Credit

  1. Pay bills on time. Late payments reflect on your credit history
  2. If you owe a lot on your credit cards, make at least the minimum payment each month
  3. If you do not have a source of credit such as a credit card, get one and make the minimum payments; this way you will build a good history.
  4. Do not apply for more credit than you require. Applications will show up on your credit report and may cause potential creditors to think that you are about to take on more debt.
  5. Don't ignore your debt obligations. If you are experiencing problems making minimum payments, contact your credit and work out a reduced payment plan. If you cannot work out a reduced payment plan with your creditors, contact a credit counseling service for assistance. Your creditors may be ore receptive to a well known third party.

I hope you have found this information both informative and enlightening. By continuing our history of matching cars to people, even those who may think that a vehicle is out of their reach may find it is not. Empire Ford works with their community. Let us work with you!


Bryce Sewall and Roberto Perez
Finance, Managers
888-722-6063, ext. 6125
bsewall@empirehyundai.com and robertofinanceempire@gmail.com

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Privacy Statement

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.
  1. Empire Ford of New Bedford

    395 Mt. Pleasant St
    New Bedford, MA 02746

    • Sales: (855) 453-5700
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Empire Ford of New Bedford

395 Mt. Pleasant St
Directions New Bedford, MA 02746

  • Sales: (855) 453-5700


  • Monday 9am-7pm
  • Tuesday 9am-7pm
  • Wednesday 9am-7pm
  • Thursday 9am-7pm
  • Friday 9am-7pm
  • Saturday 9am-6pm
  • Sunday 11am-3pm