Melloy Auto Group Financing
Auto Financing Made Simple
Regardless of your credit history, let's explore financing programs that fit your needs. Want to discuss your situation? Give us a call. Ready to submit a credit application? Just choose your dealership below.
Chevrolet Financing
Finance a new Chevrolet Silverado, SUV, EV, or used vehicle through Melloy Chevrolet, featuring programs from GM Financial and participating local and national lenders.
Ford Financing
Explore financing for new Ford vehicles, Ford Blue Advantage certified vehicles, and work trucks through Melloy Ford, utilizing Ford Motor Credit and regional lending networks.
CJDR Financing
Explore financing for Chrysler, Dodge, Jeep, and Ram vehicles at Melloy CJDR, with available programs through Stellantis Financial Services and participating lenders.
How Auto Financing Works in New Mexico
1. Select Your Melloy Dealership
Choose the dealership that has the new or used vehicle you are interested in purchasing.
2. Complete Your Secure Application
Submit your credit application through the secure finance portal for the appropriate Melloy dealership.
3. Explore Available Programs
Our finance managers work with manufacturer financing companies, national banks, and local credit unions to review available financing options.
Our Local and National Lending Network
Melloy Los Lunas works with manufacturer financing companies and a network of participating lenders. Depending on the vehicle and financing program, options may include Ford Motor Credit, GM Financial, and Stellantis Financial Services, along with New Mexico institutions such as Nusenda Credit Union, State ECU, and Kirtland Credit Union.
Financing approval, rates, terms, incentives, and lender eligibility depend on credit qualifications, vehicle selection, down payment, trade equity, and applicable program requirements.
Vehicle Protection & Value Coverage Options
Our finance teams at Melloy Ford, Melloy Chevrolet, and Melloy Chrysler Jeep Dodge Ram can explain optional vehicle protection products offered through Fidelity Warranty Services and JM&A Group.
New vehicles at Melloy Los Lunas include two years of MelloyCare+ maintenance, subject to program terms. Optional prepaid maintenance coverage is a separate product. All protection products described below are optional and are not required to purchase or finance a vehicle.
Vehicle Service Contract
Helps cover certain eligible mechanical and electrical repairs, including covered breakdowns that may occur after the factory warranty expires. Coverage levels, deductibles, exclusions, and benefits vary by agreement.
Learn about Fidelity vehicle service contractsTotal Loss Protection | GAP
May help waive an eligible difference between the insurance settlement and remaining finance balance if a covered vehicle is stolen or declared a total loss. GAP does not replace automobile insurance.
Learn about Fidelity GAP protectionPrepaid Maintenance Plan
Covers specified routine maintenance services during the selected term. Eligible services may include oil changes, tire rotations, inspections, and additional scheduled maintenance identified in the agreement.
Learn about Fidelity prepaid maintenanceRoad Hazard Tire & Wheel Protection
Helps cover eligible tire and wheel repair or replacement costs resulting from covered road hazards such as potholes, nails, glass, and roadway debris. Benefits and exclusions depend on the selected plan.
Learn about Fidelity tire and wheel protectionAppearance Protection
Offers eligible interior and exterior surface protection for certain covered spills, stains, environmental exposure, and other damage identified in the agreement. Covered surfaces and benefits vary by plan.
Learn about Fidelity appearance protectionJM&A Courtesy Guard
A theft-deterrent vehicle identification marking program that may provide a limited benefit if an eligible stolen vehicle is not recovered. Benefits, conditions, and limitations are governed by the Courtesy Guard agreement.
Learn about JM&A theft protectionProduct availability, administrators, benefits, deductibles, exclusions, limitations, cancellation rights, and eligibility vary by vehicle and agreement. Not every product is available on every transaction. Review the applicable contract for complete terms. Optional products are not required to purchase or finance a vehicle or obtain an advertised price. Courtesy Guard is not automobile insurance and does not guarantee theft prevention or vehicle recovery.
Common New Mexico Auto Financing FAQ
Can I apply for auto financing online before visiting?
Yes. Select Melloy Chevrolet, Melloy Ford, or Melloy CJDR and complete the secure online financing application for the dealership holding your desired vehicle.
Can I apply if my credit is less than perfect?
Yes. Our finance team works with a variety of lenders and can review available options for customers with different credit histories. Approval and terms depend on individual qualifications and lender requirements.
Is used vehicle financing available?
Yes. Financing programs may be available for new, certified pre-owned, and other eligible used vehicles across our Melloy Los Lunas dealerships.
Can my trade-in help with financing?
Positive equity in your current vehicle may be applied toward your next purchase, potentially reducing the amount you need to finance.
Are vehicle protection products required for financing?
No. Vehicle service contracts, GAP, prepaid maintenance, tire and wheel protection, appearance protection, and Courtesy Guard are optional products. They are not required for financing approval.
Which lender will receive my credit application?
Our finance managers review eligible opportunities through participating lenders, including manufacturer financing companies such as GM Financial, Ford Motor Credit, and Stellantis Financial Services, along with local and national financial institutions.
Ready to Start Your Application?
Select your Melloy Los Lunas dealership to begin your secure financing application, or call our credit assistance team at 505-451-0714.
