Honest Auto Loans, Flexible Leases & Commercial Fleet Financing
Whether you are leasing your next family SUV or scaling a commercial work truck fleet across the Pacific Northwest, Bowen Scarff Ford delivers competitive rates, straightforward contracts, and zero hidden fees. Rated Washington's #1 most transparent dealership by CarEdge.*
Personal Vehicle Financing
Transparent loans and low-payment Ford Red Carpet leases for your new Ford F-150, Explorer, Bronco, Mach-E, or certified pre-owned vehicle.
- Competitive APRs: Direct access to Ford Credit & 30+ regional Northwest credit unions.
- No Dicker Sticker: The price you see is your real starting point—no markup games.
- Capped $200 Doc Fee: Clearly disclosed upfront with $0 forced add-ons.
- Trade-In Power: Apply your trade equity directly toward lowering monthly payments.
Ford Pro™ Commercial Financing
Comprehensive commercial lending powered by Ford Pro™ FinSimple. Tailored financing, lines of credit, and upfit leases for Northwest trade fleets.
- Commercial Lines of Credit (CLOC): Acquire vehicles on demand without tying up bank capital.
- TRAC Leases: Open-end terminal leases with customizable residuals & zero mileage penalties.
- Chassis & Upfit Financing: Combine vehicle, utility bodies, and equipment into one invoice.
- Tax Advantages: Optimize potential Section 179 and bonus depreciation write-offs.
Why Financing With Us is Different
We believe in total transparency from your first quote to your final contract.
Capped $200 Doc Fee
Our document fee is clearly disclosed and capped at $200—below Washington's state average of $214.*
X-Plan & Employee Pricing
Qualify for Ford's X-Plan or an employee/partner discount? We honor it clearly, with no markups added back in.
30+ Lending Partners
We work directly with major credit unions and national banks across King and Pierce counties to secure your lowest rate.
*Rated #1 for transparency and doc fee comparison per CarEdge's Washington State Dealer Transparency Rankings, as of August 20, 2026. CarEdge has acknowledged a display issue affecting current rankings on their site and is working to resolve it.
Buying vs. Leasing: Which is Right for You?
Both financing options offer distinct benefits depending on your driving habits and financial goals.
Traditional Auto Loan (Buying)
Ideal for drivers who keep their vehicles long-term and travel high miles.
- Total Ownership: You own the vehicle outright once the loan is completed.
- No Mileage Limits: Drive as many miles across the Pacific Northwest as you want.
- Customization Freedom: Add aftermarket accessories, lift kits, or towing upgrades.
- Future Trade Equity: Use the residual cash value toward your next vehicle purchase.
Ford Red Carpet Lease
Ideal for drivers who love driving new models every 24 to 36 months with warranty coverage.
- Lower Monthly Out-of-Pocket: Pay only for the vehicle’s depreciation during the lease term.
- Full Factory Warranty: Enjoy continuous bumper-to-bumper protection during your lease.
- Latest Technology: Upgrade to the newest Ford SYNC, Co-Pilot360, and EV tech every few years.
- End-of-Lease Flexibility: Purchase your leased Ford, return it, or trade for a new model.
Commercial Fleet Lending Tailored for Northwest Businesses
From independent electrical contractors in Kent to municipal service fleets in Seattle and Tacoma, our certified commercial finance managers provide comprehensive business lending designed to maximize cash flow and minimize operating downtime.
Commercial Line of Credit (CLOC)
Establish a dedicated credit line reserved exclusively for your business vehicle acquisitions. Acquire Transit vans or Super Duty trucks as your business expands without reapplying every time or tying up your bank operating credit.
Terminal Rental Adjustment (TRAC) Leases
Our premier open-end commercial lease structure. Tailor your lease residual to match your fleet's specific business usage. Enjoy no excess mileage charges, no wear-and-tear penalties, and flexible end-of-term buyout options.
Chassis Cab & Upfit Financing
Never juggle separate bills for your truck and equipment. We bundle your base Ford chassis (F-350 to F-600, E-Series, Transit) together with your utility beds, ladder racks, cranes, and refrigeration units into a single monthly contract.
Municipal & Government Leasing
Specialized tax-exempt lease-purchase financing programs designed for cities, school districts, fire departments, and public utility agencies with competitive municipal rates.
Speak With Our Commercial Fleet Finance Specialists
Call our dedicated Fleet Operations team at 253-813-5068 or submit an inquiry to discuss custom credit lines and fleet incentives.
How Auto Financing Works at Bowen Scarff
Select Your Vehicle
Browse our extensive new Ford or certified pre-owned inventory with transparent No Dicker Sticker pricing.
Apply Online
Complete our fast, secure credit application from your phone, tablet, or desktop in less than 5 minutes.
Review Real Terms
Our commercial finance experts present clear lender terms, APR rates, and payments with zero surprises.
Drive Away Confidently
Sign your paperwork and hit the road with complete peace of mind.
Frequently Asked Finance Questions
Can I finance a vehicle if I have challenging or rebuilding credit?
Yes! We partner with national lenders and regional Washington credit unions that specialize in all credit tiers. Our team works hard to secure competitive rates and flexible terms for rebuilding credit.
What documents should I bring to finalize my financing?
Please bring a valid driver's license, proof of auto insurance, your most recent pay stub or proof of income, and the title/registration for any vehicle you plan to trade in.
How does a Commercial Line of Credit (CLOC) help my business?
A Ford Pro CLOC pre-approves your business for a specified vehicle credit limit. You can acquire commercial trucks or vans throughout the year without having to submit a full financial package each time.
Can I apply my current vehicle's trade-in value as a down payment?
Absolutely. We provide top-market appraisals for trade-in vehicles. Your positive equity can be applied directly to lower your loan balance, monthly payment, and state sales tax.
Get Pre-Approved for Auto Financing in Minutes
Take the next step toward your new Ford or pre-owned vehicle with a transparent, no-gimmicks finance team.