Finance

Finance Center at Bird Kultgen Ford In Waco, Texas

Ford is a household name synonymous with reliability, innovation, and superior design. Chances are most people can easily name a few iconic Ford models, such as the Mustang, the F-150, or the Explorer, even if they're not car enthusiasts. Ford has been an integral part of American culture for over 100 years and is a top choice for individuals and families alike. From city streets to country roads, spotting a Ford vehicle on the move is expected, solidifying Ford's presence in our everyday lives.

Embrace the opportunity to own one of these mechanical marvels with Bird Kultgen Ford's finance center. Our finance center is more than just a gateway to Ford ownership; it's a one-stop shop designed to take customers from browsing our selection of top-of-the-line vehicles to driving home in their dream Ford. Keep reading to discover why financing a vehicle with us is the wisest decision a car buyer can make. 

Explore Flexible Financing Options

We understand that every individual has unique financial needs and preferences. That's why we offer various financing options catering to buyers’ specific requirements. Our expert finance professionals are dedicated to providing personalized guidance and support to navigate the financing process. So, we have the customer covered, whether it's a traditional auto loan, flexible leasing, or Ford Credit financing. The following provides a closer look at the financing options available at our finance center:

  • Conventional auto loans: A more traditional approach to financing, our partners offer competitive interest rates and affordable monthly payments.

  • Leasing: Enjoy the freedom and flexibility of leasing with lower monthly payments and the option to upgrade to a new vehicle every few years.

  • Ford Credit financing: As the financial arm of Ford Motor Company, Ford Credit offers exclusive financing options and benefits to enhance the ownership experience.

  • . No one should let their credit score hold them back from owning their dream Ford.

Beyond Financing – Why We Stand Out

At Bird Kultgen Ford's Finance Center, we offer more than just competitive financing options. Our key differentiators are our commitment to providing an exceptional and transparent financing process. Here's why we stand out from the rest.

Expert Guidance

Our seasoned finance professionals are dedicated to finding the optimal financing solution tailored to each buyer's unique needs. Our team works closely with customers to understand their financial situation and goals, providing personalized guidance and support at every step of the process. Their expertise guarantees securing a financing plan that aligns perfectly with every new car buyer's budget and lifestyle.

Transparent Process

We believe in complete transparency, ensuring every detail is thoroughly explained. From the terms of the loan or lease to the specifics of the repayment plan, we provide clear, concise information to allow each customer to make an informed decision about their investment.

Ford Credit Advantage

Ford Credit offers exclusive benefits, enhancing the financing experience and rewarding loyalty. Ford Credit features flexible financing options, exclusive incentives, and innovative programs designed to make Ford ownership even more rewarding. Choosing Ford Credit unlocks exclusive benefits extending beyond the traditional financing experience. 

Professional Ford Service 

Our commitment to the customer doesn't end with a new car purchase. We also have a top-notch service center with factory-trained technicians familiar with the intricacies of all Ford models. From routine maintenance to major repairs, we've got every driver covered with quality service and genuine Ford parts, ensuring the longevity and performance of their vehicle.

Extensive Vehicle Selection

Our selection of new and pre-owned Ford vehicles is extensive, with an array of models to suit every budget and lifestyle. From sleek sedans to spacious SUVs and everything in between, our inventory is constantly updated to offer the latest and greatest from Ford. Our knowledgeable sales staff provides expert recommendations and insights to help new car buyers find the perfect Ford.

Your Ford Adventure Starts Here

At Bird Kultgen Ford, we strive to make your car buying experience seamless and enjoyable. Our finance center is integral to that commitment, offering diverse financing options, top features, and exceptional service to ensure you drive home in the Ford of your dreams. Visit us today or contact our finance professionals for more information on our financing options and ongoing specials.

We look forward to helping you embark on your Ford ownership journey. So, whether you're interested in a traditional auto loan, prefer the flexibility of leasing, or want to take advantage of Ford Credit financing, we've got you covered. 


Meet Amanda Lesikar Business Manager Alesikar@bkford.com
Meet Miguel Contreras Business Manager Mcontreras@bkford.com

Check Out Our Online Financing Tools

Instant Cash OfferOutside of our friendly Ford financers, BK Ford has an array of tools to help you do some research on your own. These tools include a payment calculator and a Kelley Blue Book® instant cash offer.

The payment calculator helps you calculate your buying power or estimate your monthly payments. This tool will give you an idea of what to expect monetarily when you decide to purchase or lease your new ride.

The Kelly Blue Book® instant cash offer provides you with an offer to purchase your vehicle from you. You can use the specific amount as you wish or apply the amount toward another car.

We have the tools; you have the power.

Ford Protection Plans

Protection PlansYou’ve got your new car, now what? We suggest a protection plan. Maximizing your investment through bouts of routine maintenance is essential. BK Ford provides five advantageous plans, including:

  • Ford Protect Extended Service Plan
  • SurfaceCARE Extended Service Plan
  • Ford Premium Maintenance Plan
  • Ford Protect TireCare Plan
  • Debt Cancellation Waiver

Each plan establishes peace of mind for various components of your Ford experience. At Bird Kultgen Ford, we provide protection plans because we want your car to be the best it can be for you.

Pay a Visit to Our Finance Center

Bird Kultgen Ford near Waco, Killeen, Gatesville, and McGregor, Texas is a friendly financing face for Ford drivers. Our skilled team strives to make certain that your buying or leasing experience is streamlined by providing you with tools and protection plans that benefit you. Come see us at our finance center today.

 Get Pre-Approved

Protect Your New Vehicle

As a vehicle owner, you literally have a lot riding on your car, truck or SUV, so maximizing your investment for many years is essential. Purchasing a protection plan ensures your vehicle receives the Ford Premium Care it deserves.

Ford Protect Extended Service Plans provide Peace of Mind protection and offer many plan and deductible options to protect you from unexpected vehicle repair costs after your New Vehicle Limited Warranty has expired.

  • 100% Backed by The Ford Motor Company
  • Interest-Free Financing
  • Dealer Support Across the U.S., Canada and Mexico
  • Ford Authorized Parts and Service
  • Rental Vehicle Benefits
  • Disappearing Deductible Options
  • Coverage is 100% Transferable
  • 24-Hour Roadside Assistance
  • No Unexpected Expenses or Surprises

Typical Cost of Repair for Several Key Components:

Edge Repair Costs

With a Ford Protect PremiumCARE extended service plan, you are protected from unforseen covered repairs on your vehicle for up to 8 years or 150,000 miles.The price for parts and labor to repair many major components can be significant. One repair bill can easily exceed the price of your Ford Protect PremiumCARE coverage. It's clear that this coverage can quickly pay for itself!

*The examples are based on an average estmated U.S. retail repair cost for a Ford Edge. Actual repair costs will vary by vehicle and dealer location.

Although new cars often come with standard protection for major problems like engine or transmission issues, there are other things that can negatively impact your driving experience, like cosmetic issues. Sure, your car could keep running fine after sand ruins your paint job or your kid's crayons melt in the back seat. But those things are still a pain and looking at them day after day gets old. That's why Ford offers the SurfaceCARE Extended Service Plan.

Exterior Protection

Your Ford SurfaceCARE Extended Service Plan can protect you against a variety of cosmetic issues, including:

  • Weather-induced fading
  • Loss of gloss
  • Hard water etching
  • Industrial fallout
  • Bird droppings
  • Acid rain
  • Accidental paint over spray
  • Tree sap
  • Oxidation
  • Insects
  • Road salt
  • De-icing agents

Interior Protection

You can also stay protected against interior cosmetic problems, like:

  • Food/drink stains
  • Oil-based stains
  • Ultraviolet-induced fading
  • Blood or vomit
  • Chewing gum
  • Inks/dyes
  • Lipstick/makeup
  • Crayons
  • Pet stains
Ford Service technician working on a vehicle

It's More than Just an Oil Change

Premium Maintenance from Ford Protect not only covers your routine oil changes, it covers multi-point inspections, as well as preventive care and replacement of normal “wear and tear” items that require attention.

Scheduled Maintenance

Premium Maintenance from Ford Protect covers routine inspections, preventive care and replacement of normal “wear and tear” items that require periodic attention, including:

  • Engine oil and filter changes
  • Tire rotations and inspections
  • Brake pads and linings
  • Shock absorbers/struts
  • Spark plugs
  • Clutch discs
  • Engine belts
  • Engine coolant hoses, clamps and o-ring seals
  • Wiper blades
  • Diesel exhaust fluid fills
  • Transmission fluid
  • Fuel filters
  • Engine air filters
  • Engine coolant
  • Replace PCV valves
  • If equipped, transfer case fluid
  • If equipped, 4x4 front axle shaft u-joints
  • If equipped, 4x4 front hub needle bearings
  • If equipped, 4x2 front wheel bearings, grease seals and bearings
Vehicle tires lined up next to one another

Ford Protect TireCARE is a smart investment to protect your tires and wheels from the everyday hazards of the road. Covers all costs associated with the repair or replacement of a tire or wheel due to a road hazard, such as:

  • Glass or metal in the road
  • **Potholes, debris, nails, blowouts, etc.
  • Repair or replace flat tires due to a road hazard
  • Replace wheels damaged due to a road hazard (excludes cosmetic damage)
  • Taxes, labor costs, mounting and disposal, balancing fees and valve stems are covered
  • Provides towing to the nearest Ford or Lincoln dealership or tire repair facility, up to $100 reimbursement
  • Owner will be reimbursed 100% of the cost of a new tire, including mounting, balancing, new valve stem, tire disposal and sales tax as shown on the sales invoice
  • Worry-free coverage.
  • No limits on claim benefits
  • Covers replacement tires and wheels for the duration of contract
  • Available on eligible new and used vehicles - at time of sale only
  • No mileage limitations and up to seven years of coverage
  • Covers tires with run-flat technology
  • If the tire is non-repairable and has more than 3/32" of tread depth remaining, reimbursement will be provided for the replacement of the damaged tire with a new tire of like kind, quality and cost.

Debt Cancellation Waiver, also known as Gap protection, is designed to cover the difference between the value of your vehicle and the amount owed on your vehicle loan.

For many drivers, a standard insurance policy will provide enough protection to cover the cost of repairs or replacement if the car is damaged or stolen. However, if you total your car and the car's actual cash value is lower than the amount you owe on your loan balance or lease, that difference, or "gap" is not covered by insurance. A debt cancellation waiver pays the difference between the insurance settlement and the loan balance in the event of a total loss. It will also cover your insurance deductible.


Online Credit Application

Fill out our online credit application and get pre-approved for your next vehicle.

Get Pre-Approved

Our Financial Services Include:

  • Competitive rates direct from the manufacturer and local Texas banks
  • Quick approvals
  • Value-added services to protect your vehicle investment
  • Extended service plans
  • And many more finance programs to fit your needs

We are always happy to answer your questions so please don't hesitate to contact us today!

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