Frequently Asked Questions

Both. Our used inventory includes Ford models along with other makes taken on trade. Every used vehicle goes through a multi-point inspection before it hits our lot. Check current used inventory on velocityford.ca.

Last updated: April 2026

We do, and we'll be direct about why: we work with Ford Credit plus a network of Canadian banks and credit unions, which means we can shop multiple lenders to find you the best rate. We have competitive financing programs on new Ford vehicles, including special manufacturer rates on select models. For used vehicles, rates depend on your credit profile and the vehicle age. Come in with your situation and we'll find options.

Last updated: April 2026

Yes. We accept any make or model as a trade-in. Bring in your vehicle for a free, no-obligation appraisal. Your trade value can go directly toward your next purchase, reducing what you finance and often the PST/GST owed. We handle all the paperwork.

Last updated: April 2026

A lot of our customers are from Regina and Regina area, and the honest answer is yes for most buyers. Ford MSRP is manufacturer-set, so you're not paying more in Moose Jaw. What you often gain: better selection on specific trims, less pressure sales environment, and shorter wait times in service. Moose Jaw is ~70 km from Regina on Highway 1. Many Regina customers bring their vehicles back for service once they see how different the experience is.

Last updated: April 2026

Yes. Our Ford-certified service department handles everything from oil changes and tire rotations to major engine, transmission, and electrical work. We carry OEM Ford parts and accessories. All work comes with a Ford warranty where applicable. Book service at velocityford.ca or call 306-693-3673.

Last updated: April 2026

Our service department is open Monday through Friday, typically 7:30am to 5:30pm. Saturday service is available seasonally -- call to confirm. We're closed Sundays. Current hours are always listed on velocityford.ca.

Last updated: April 2026

No, Velocity Ford is closed Sundays for both sales and service. We're a Moose Jaw business and close Sundays to let our staff spend time with family. If you're looking at vehicles, our full inventory is on velocityford.ca 24/7 and you can submit a request anytime -- we'll respond first thing Monday.

Last updated: April 2026

Absolutely. If the exact model, trim, colour, or option package you want isn't on our lot, we can place a factory order directly with Ford. Typical delivery is 4-12 weeks depending on the model and build timing. We can also do dealer trades -- pulling a specific vehicle from another Ford dealer if one of us has what the other needs.

Last updated: April 2026

Our service department is primarily Ford-focused and our technicians are Ford-certified, but we can handle general maintenance on other makes (oil changes, tires, brakes, diagnostic scans). For brand-specific warranty work on other manufacturers, you'll want to visit that brand's dealership. Call us to ask about your specific vehicle and service need.

Last updated: April 2026

Come by during sales hours, ask for the sales team, and we'll get you set up. Bring a valid driver's licence. You can test drive as many vehicles as you want in one visit -- we'll swap keys. No pressure, no appointment needed for most vehicles, but calling ahead lets us have the specific vehicle ready and cleaned up for you.

Last updated: April 2026

Yes, we offer a shuttle within Moose Jaw for service customers. Loaner vehicles are available for larger service jobs (typically warranty work or repairs requiring a full day or more) subject to availability. Ask when you book your appointment.

Last updated: April 2026

New Ford vehicles come with Ford's manufacturer warranty: 3 years/60,000 km bumper-to-bumper, 5 years/100,000 km powertrain, 8 years/160,000 km on electric components for hybrids and EVs. Certified pre-owned Fords include extended coverage. Used vehicles come with our own inspection guarantee and available extended warranty options.

Last updated: April 2026

Call 306-693-3673, visit us at 661 Thatcher Drive East, Moose Jaw, or browse inventory and contact a sales rep at velocityford.ca. You can also book service, order parts, and apply for financing online 24/7.

Last updated: April 2026

Velocity Ford offers three main financing paths: Ford Credit (the manufacturer's finance arm, which handles most new-vehicle purchases and often has subsidized promotional rates), third-party bank and credit union financing (RBC, TD, Scotiabank, CIBC, BMO, Innovation Credit Union, Conexus, Affinity), and Ford Certified Pre-Owned financing for eligible used vehicles. Lease terms are also available on most new Ford vehicles. Our finance team compares rates across lenders on your behalf -- you don't need to shop each one separately.

Last updated: July 2026

A credit score above 660 qualifies most buyers for standard rates. Above 720 unlocks the best Ford Credit promotional rates. Below 600, expect subprime rates in the 13-19% range or approval through an alternative lender. Ford Credit also runs a First-Time Buyer program for applicants with limited credit history -- typically requiring proof of income, a modest down payment (15-20%), and sometimes a co-signer. We approve first-time buyers regularly at Velocity Ford; bring documentation and expect a short conversation about employment stability.

Last updated: July 2026

Ford Credit rates change monthly and vary by model, trim, and applicant credit. For 2026 model-year Ford vehicles at Velocity Ford, promotional rates typically range from 0.9% to 4.99% on qualifying credit for buyers above 720 credit score, and 5.99-8.99% for standard credit tiers (660-719). Ford Credit regularly rotates featured models through subsidized rates -- F-150, Escape, Bronco Sport, and Explorer see the most frequent promotional windows. Call our finance team at 306-693-3673 for the exact rate on the specific vehicle you're considering -- the answer changes month to month.

Last updated: July 2026

Standard Ford Credit loan terms run 36 to 96 months. Sixty months is the most common choice for new-vehicle buyers -- reasonable payment, moderate total interest, and lines up with typical Saskatchewan ownership patterns. Seventy-two months works for larger vehicles like Expedition or F-150. Eighty-four and 96 months are available but generally not recommended -- the monthly savings are small and you'll be upside-down on the loan for years. Rule of thumb: don't borrow for longer than you plan to own the vehicle. Lease terms typically run 24-48 months with 20,000 km/year mileage allowances (higher-km leases available on request).

Last updated: July 2026

Target 10-20% of the vehicle price. On a $52,000 Explorer, that's $5,200-$10,400. Zero-down financing is technically available on qualifying credit through Ford Credit, but leaves you upside-down on the loan through the first year of depreciation and pushes monthly payments higher. Trade-in equity counts as down payment -- an appraised trade-in vehicle can meaningfully reduce the cash you need to bring. If you owe more on your current vehicle than it's worth, the negative equity can be rolled into the new loan, but this adds meaningfully to your total finance cost.

Last updated: July 2026

Depends on the math. Ford periodically offers a choice between subsidized low-rate financing and a cash rebate (for example, "$3,500 cash-back OR 1.99% financing for 60 months"). If you're paying cash or financing outside Ford Credit, take the cash-back. If you're financing through Ford Credit, our finance manager can run both scenarios in 5 minutes -- whichever saves more over the life of the loan is the right answer. In general, low-rate financing wins for longer terms and higher-value vehicles; cash-back wins for shorter terms and lower-value vehicles. Ask to see both spreadsheets before you decide.

Last updated: July 2026

Depends on the month. For a new Ford, Ford Credit regularly runs subsidized promotional rates (0.9-4.99%) that beat any bank rate outright. For a standard used Ford (non-CPO), bank or credit union rates are often competitive or better. For Ford Certified Pre-Owned, Ford Credit offers subsidized CPO rates that typically beat most bank offers. Best practice: get pre-approved by your bank or Saskatchewan credit union before you visit us, then let our finance team match or beat that rate. Multiple credit checks within 14 days count as one inquiry for scoring purposes, so rate shopping doesn't hurt your credit score.

Last updated: July 2026

Yes. Used Ford financing is available through Ford Credit (particularly for Ford Certified Pre-Owned vehicles), through third-party banks, and through Saskatchewan credit unions. Ford CPO financing is often the best rate on the used lot -- subsidized by Ford Credit, typically 1-2% below standard used-vehicle rates, and combined with an extended manufacturer powertrain warranty. Rates on standard used Ford vehicles typically run 1-2% higher than new-vehicle rates.

Last updated: July 2026

Depends on how you use the vehicle. Lease if you want lower monthly payments, plan to trade in every 2-4 years, drive under 24,000 km/year, and don't modify the vehicle. Finance if you want to own the vehicle long-term, drive high kilometres, plan to keep it 5+ years, or use it as a work vehicle (tools in the bed, contractor use, farm use). Lease terms typically include kilometre allowances of 16,000-20,000/year -- going over adds per-kilometre charges at lease end. Ford also offers Red Carpet Lease with buy-out options if you decide to keep the vehicle at lease end.

Last updated: July 2026

Yes. Ford Credit runs a First-Time Buyer program for applicants with limited or no credit history. Typical requirements are proof of income (3-6 months of pay stubs), proof of Canadian residency, a down payment of 15-20%, and sometimes a co-signer. Approval rates are high for applicants who meet these criteria. Saskatchewan credit unions like Innovation and Conexus also run first-time-driver programs with similar terms. Bring your documentation and expect to answer questions about employment stability. Also worth applying -- Ford periodically offers a Graduate Rebate ($500-$1,000) for recent post-secondary graduates that stacks with most other incentives.

Last updated: July 2026

Ford Credit incentives change monthly and rotate by model. Common 2026 programs include subsidized low-rate financing (typically 0.9-4.99% on featured models), cash-back rebates ($1,000-$5,000 depending on model and trim), the Ford Graduate Rebate for recent post-secondary grads, the Ford First Responder appreciation offer, Ford Military Appreciation for active and veteran Canadian Armed Forces members, and the federal iZEV rebate ($5,000) for the Mustang Mach-E when the final transaction price stays under $55,000 before taxes. Incentives can often stack -- ask our finance team what's currently available for the specific vehicle and trim you're considering.

Last updated: July 2026

Bring: government-issued photo ID (Saskatchewan driver's licence works), proof of address (utility bill or bank statement dated within the last 90 days), proof of income (2-3 recent pay stubs, or a signed offer letter for new hires, or the last 2 years of tax returns if self-employed), proof of insurance (SGI can be activated at the dealership if you don't already have coverage arranged), and any pre-approval letter from your bank or credit union. If you're trading in a vehicle, bring the current registration, title / lien release if paid off, and the physical keys. If you have a co-signer, they need the same documentation. Most financing decisions come back within a couple of hours if all paperwork is in order.

Last updated: July 2026