Ford Blue Advantage ยท Financing
Financing a certified Ford and trading in your vehicle
Updated Oct 23, 2026
Part of the Ford Blue Advantage guide at Swant Graber Ford. Shop certified inventory.
Ford says Ford Credit finances Ford Blue Advantage vehicles, and special financing is sometimes available on Gold Certified. At Swant Graber Ford you can also finance through local credit unions and national lenders, subject to credit approval. A trade-in counts toward the deal, but under Ford's Money Back Guarantee your trade is not returned if you send the certified vehicle back, and any negative equity stays with you.
Shop certified usedShop used FordsCall Ford 715-537-9500
Your financing options
| Option | What to know |
|---|---|
| Ford Credit | Finances Ford Blue Advantage vehicles; Ford says special financing is sometimes offered on Gold Certified. Ask what is current. |
| Local credit unions | Swant Graber works with local credit unions; bring a pre-approval if you have one. |
| National lenders | Also available through our finance office, subject to credit approval. |
| Service contracts | Optional (Ford Protect, CNA National, National Auto Care); never required to buy or finance. |
How a trade-in works with a certified purchase
- Get a value first: trade or sell offer. Bring the title or payoff information.
- If you owe more than the trade is worth, that difference (negative equity) is added to the new loan.
- If you later use the 14-day/1,000-mile Money Back Guarantee, Ford's terms say you are refunded the price you paid, you remain responsible for negative equity, and the trade-in is not returned.
- If you swap for a different vehicle instead, a new credit application may be needed and terms can differ.
What to ask for in writing
- Itemized out-the-door price by stock number or VIN: price, $127.50 doc fee, tax, title and registration.
- APR, term and lender; whether any rate is a Ford Credit Gold Certified offer.
- Trade value and payoff, shown separately.
- Certification tier and warranty end dates on the paperwork.
Apply ahead: secure finance application.
Questions
Does Ford Credit finance certified used Fords?
Yes. Ford says Ford Credit finances Ford Blue Advantage vehicles, and special financing is sometimes available for Gold Certified vehicles.
What happens to my trade-in if I return a certified Ford?
Under Ford's Money Back Guarantee terms, the trade-in vehicle is not returned and you remain responsible for any negative equity that was included in the purchase.
Can I use a local credit union for a certified Ford at Swant Graber?
Yes. Swant Graber works with local credit unions and national lenders as well as Ford Credit, subject to credit approval.
Related
Swant Graber Ford, 1697 E Division Ave, Barron, WI 54812, 715-537-9500. Doc fee $127.50.
Sources
Program details current as of Oct 23, 2026. Ford may change terms; the vehicle's warranty documents control.
- Ford, Ford Blue Advantage FAQs (archived Feb 10, 2026), retrieved Oct 23, 2026
- Ford, Money Back Guarantee (archived Jul 12, 2026), retrieved Oct 23, 2026
- Ford, Ford Blue Advantage compare chart, retrieved Oct 23, 2026