Welcome to the Randy Wise Ford Finance Department

Our finance specialists are people who care about making your experience comfortable and clear. They take the time to learn about your lifestyle, goals, and budget so they can recommend payment options that make sense for you.

Whether you’re purchasing a new Ford truck, a used SUV, or a certified pre-owned model, our team will guide you through every choice with patience and transparency. You can meet with us one-on-one at our dealership or start the process online. Once you complete our secure finance application, one of our managers will reach out to review your options and answer any questions you have.

Every driver’s needs are different, and that’s why our process is tailored from the very start. We don’t push a single plan or rate. Instead, we work to find the right fit for your financial comfort zone.

If you already know what you’re looking for, our payment calculator can help you estimate what fits within your budget. You can also use our Value Your Trade tool to learn what your current vehicle is worth and apply that toward your next Ford.

Leasing is a great way to experience the latest Ford technology and design without a long-term commitment. Lease terms typically last 24 to 36 months, giving you the freedom to upgrade to a newer model when your term ends.

You can return, renew, or move into another Ford easily when your lease is complete. Leasing often offers lower monthly payments, making it a smart choice for drivers who want new features while keeping expenses manageable.

Ask our finance team about the latest lease programs or exclusive incentives like the Ford A Plan and Z Plan, available for eligible customers.

If you’re a first-time car buyer, a little preparation can go a long way. Before applying for financing, consider these helpful steps you might find in our “How to Buy Your First Car” section:

Start by setting a realistic budget that includes not only the purchase price but also insurance, registration, and maintenance costs. Having a clear picture of your expenses helps you make confident decisions.

Check your credit score and, if needed, take steps to improve it before applying. A stronger score can often help you qualify for better rates.

Finally, think about what type of vehicle fits your lifestyle best, whether that’s a compact car for easy commutes or an SUV for weekend trips around Michigan. Our team can walk you through different options and financing plans so you feel ready and informed from the first test drive to final signing.

We want to make every part of your ownership experience rewarding. That’s why we offer rotating specials to help you save on vehicles and service throughout the year.

New Specials: Browse our latest offers on new Ford models. These limited-time discounts can help you get behind the wheel of a vehicle that fits your style and budget.

Pre-Owned Specials: Our pre-owned deals feature quality used cars and SUVs that meet high standards for condition and reliability — often at reduced prices.

Service Specials: Keep your Ford in peak shape with discounts on maintenance and repairs. Whether you need an oil change, brake check, or seasonal tune-up, our service specials make it easier to care for your vehicle.

You can explore all current offers on our Specials page anytime. Feel free to contact our team about any offer that piqued your interest.

To make financing simple, we’ve built a collection of tools you can use right from home:

The Payment Calculator helps estimate monthly payments.

The Finance Application lets you apply securely online.

The Value Your Trade tool gives you an idea of your current car’s worth.

These tools help you arrive at the dealership prepared, saving time and ensuring a smooth process from start to finish.