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Buying  |  Farmington, MO You don't have to be shopping to sell us your car. Start online, finish with an appraisal at the store, and walk out with an offer on any make, Ford or not. Plenty of people around St. Francois County end up with a vehicle they don't need. Maybe the kids moved out and the third car just sits, or you inherited a truck, or you bought something new elsewhere and kept the old one too long. Sam Scism Ford buys cars, trucks and SUVs outright. No purchase required, any make or condition. The process is short, and knowing what to bring makes it shorter. Quick answer: Sam Scism Ford will buy your vehicle whether or not you buy one from us. Get a starting value online, then bring the vehicle to 5019 Flat River Road for an inspection and appraisal, along with every key, the title or payoff information, registration and a photo ID. A private sale often brings more money but takes longer and puts the paperwork, the strangers and the lender on you. Purchase required No, we buy outright What we buy Any make, model or condition Where 5019 Flat River Road, Farmington In this post Selling without buying How the online offer works The in store appraisal What to bring and payoffs Private sale or dealer sale Can You Sell Your Car to Sam Scism Ford Without Buying One? You can. Most people think of a dealer appraisal as part of a trade, but we also buy vehicles on their own. We're always adding to our pre owned inventory, and cars that come from local owners are a big part of it. It doesn't need to be a Ford. Chevys, Toyotas, Hondas, a Jeep with a lift on it, a minivan with a cracked windshield. The sell your car page says we buy any make, model or condition, and we mean it. You came in to sell, so that's the conversation. If you decide later that you want something else, the offer can go toward that instead. How Does the Online Offer Work? Start with the Value Your Trade tool. You'll describe the vehicle and its condition, and you get a starting value without leaving the house. Treat that number as a starting point. Nobody has seen the car yet. The online value assumes the condition you describe is the condition we'll find, so be straight about the warning light, the dent in the tailgate and the tires that are nearly bald. A careful description gets you a number that holds up. The final figure comes from an in person look. That's true at every dealer, and it protects both sides. Value Your Car Online Browse Used Inventory What Happens During the In Store Appraisal? 1 Bring it in during sales hours Monday through Friday 8 AM to 6 PM, Saturday 9 AM to 5 PM. Calling ahead at 573-430-1687 helps us have someone ready. 2 Walk around and inspection Our team looks over the body, glass, tires, interior and under the hood, and notes any warning lights or leaks. 3 How it runs and what it's worth here Expect a short drive to hear and feel how it runs. The value also depends on what similar vehicles are bringing in this market. 4 You get a firm offer We explain how we got there. Take it, think it over or walk away with no hard feelings. A little prep goes a long way. Clean out your stuff, run it through a car wash and bring service records if you have them. You don't need to fix dents or replace tires first, since those repairs rarely pay back what they cost. What Documents Should You Bring to Sell Your Car? This list comes straight from our sell page, and having all of it with you is the difference between a quick visit and a second trip. The vehicle and every key and remote: spare fobs add value and cost money to replace. The owner's manual: if it's still in the glove box, leave it there. A valid state issued photo ID for each person selling. Title, or loan payoff information if a lender still holds it. Current registration. What if you still owe money on it? That's common and it doesn't stop a sale. Call your lender for a payoff amount before you come in. It's often a little different from the balance on your last statement because of interest and any payoff fees. When we buy the car, we pay the lender and the lender releases the title. If our offer is more than the payoff, the difference is yours. If you owe more than the car is worth, you'd need to cover the gap, and we'll show you the math plainly before anything is signed. Leased vehicles take one more step, because the leasing company owns the car. Bring your lease paperwork and our team will walk through the buyout numbers with you. Is a Private Sale or a Dealer Sale Right for You? An honest answer is that a private sale usually brings more money. Edmunds puts it simply: you cut out the middleman, so you keep more. You also pick who buys it, which matters to some folks selling a car they loved. The cost is your time. You take the photos, write the ad, answer messages at 10 PM, meet strangers for test drives and handle the title and payment yourself. Edmunds notes it can take weeks or months. If there's a loan on it, the buyer has to trust that the lender will release the title after they pay, and plenty of private buyers won't. Fits you if Selling to Sam Scism Ford You want it done in one visit There's a loan or lease to pay off The car needs work a private buyer would balk at You'd rather not meet strangers or handle the title yourself Fits you if Selling it yourself You can wait weeks for the right buyer The title is clear and in your hand The car is clean and in demand You're comfortable handling payment and paperwork Farmington driver tip If you list privately, meet buyers somewhere public and busy in daylight, and don't sign over the title until the money has cleared your bank. Get our offer first either way so you know your floor. Warranty Forever If you do decide to replace it, every new Ford and most used vehicles sold at Sam Scism Ford come with Warranty Forever at no charge. It covers listed engine, transmission and drive axle parts for as long as you own the vehicle, regardless of miles, with no deductible, as long as you follow the customary maintenance in the agreement and keep records. See the dealer for details. How it works Selling Basics Will Sam Scism Ford buy my car if I'm not shopping for another one? + We buy vehicles outright with no purchase required. You leave with an offer either way. Do you only buy Fords? + Any make and model is welcome, from imports to other domestic brands. What matters is the vehicle's condition and what it's worth in this market. Will you buy a car that needs repairs? + Our sell page says any condition, and that includes mechanical problems and body damage. Mention the issues up front so the online value is closer to the final offer. The Online Offer Is the online value my final offer? + It's a starting number based on how you describe the vehicle. The firm offer comes after our team inspects and drives it. Why can the appraisal come in different from the online value? + Things a form can't capture, like tire wear, warning lights, odors or a rough shift, show up in person. Accurate details online keep the gap small. Can I check my car's value without visiting? + The Value Your Trade tool on our site gives you a starting value from home. Come in when you're ready for a firm number. The Appraisal Visit When can I bring my car in for an appraisal? + During sales hours, Monday through Friday 8 AM to 6 PM and Saturday 9 AM to 5 PM. A call to 573-430-1687 first helps us have an appraiser free. Should I get my car detailed before selling it? + A wash and a cleaned out interior help, and a full detail usually isn't needed. Skip big repairs, since they rarely pay for themselves. What do appraisers look at? + Body, glass, tires, interior, warning lights, how it drives, vehicle history and local demand. Service records help show it was cared for. Titles and Payoffs What if my bank has the title? + Bring your loan payoff information instead. We pay the lender directly and the lender releases the title. How do I get my payoff amount? + Call your lender or check its website for a payoff quote. That figure can differ from your statement balance. What if I lost a key or remote? + Bring the ones you have. A missing key can lower the offer a bit since we'd have to replace it. Private Sale or Dealer Will I make more selling privately? + Often, according to Edmunds, but the sale can take weeks and you handle the ads, test drives and paperwork. Getting our offer first gives you a number to compare against. Can I sell privately if I still have a loan? + It's possible but harder, because ownership can't transfer until the lender releases the lien. Many private buyers won't wait on that. Does Sam Scism Ford sell the cars it buys? + Many of them end up in our used inventory, which is part of why we buy any make. You can browse the lot on our used vehicle pages. Ready to sell See how selling your car to Sam Scism Ford works. Sell Your Car Talk to us first Reach the sales team at 573-430-1687 or send a message. Contact Us

Buying  |  Farmington, MO Ford Blue Advantage comes in Gold and Blue. This is what each tier covers, how the money back guarantee works and where Warranty Forever fits on a qualifying used vehicle. Shop used in December and you'll see a lot of different labels. One truck says certified, the next says inspected, and the one after that doesn't say anything. Those aren't the same promise. What counts is the paperwork behind the sticker. Ford Blue Advantage is Ford's certified pre-owned program, and it comes in two main tiers, Gold Certified and Blue Certified. You'll find both at Ford dealers like Sam Scism Ford in Farmington. Each comes with a history report and a money back guarantee. Where they split is which vehicles qualify and how long the coverage runs. Quick answer: Gold Certified is for Ford vehicles up to 6 years old with under 80,000 miles and adds a 172 point inspection, a 12 month or 12,000 mile Comprehensive Limited Warranty and a 7 year or 100,000 mile Powertrain Limited Warranty. Blue Certified covers any make up to 10 years old with under 150,000 miles, with a 139 point inspection and a 90 day or 4,000 mile Comprehensive Limited Warranty. Both carry a 14 day or 1,000 mile Money Back Guarantee and a CARFAX report. Gold Certified Ford only, up to 6 years, under 80,000 miles Blue Certified Any make, up to 10 years, under 150,000 miles Both tiers 14 day or 1,000 mile Money Back Guarantee In this post What Blue Advantage is Gold vs Blue What the inspection means Money back guarantee Warranty Forever on certified What Is Ford Blue Advantage? Ford Blue Advantage replaced Ford's older certified program in 2022 and split things into tiers. A newer, lower mile Ford can earn Gold. Older vehicles and other brands can still earn Blue, so they're not just sold with nothing behind them. Every Blue Advantage vehicle goes through a set inspection and comes with a CARFAX Vehicle History Report. You also get 24/7 roadside assistance for a period that depends on the tier. Ford also offers a separate EV Certified tier for electric models such as the Ford Mustang Mach-E, with its own battery coverage. Certification is a Ford program, so those warranties come from Ford, not from us. Warranty Forever is our own dealer plan, and we'll get to it further down. How Is Gold Certified Different From Blue Certified? Gold Certified Eligible vehicles: Ford models up to 6 years old with under 80,000 miles. Inspection: 172 points. Comprehensive Limited Warranty: 12 months or 12,000 miles, whichever comes first. Powertrain Limited Warranty: 7 years or 100,000 miles, whichever comes first, counted from the vehicle's original in service date. Blue Certified Eligible vehicles: Any make and model up to 10 years old with under 150,000 miles. Inspection: 139 points. Comprehensive Limited Warranty: 90 days or 4,000 miles, whichever comes first. Gold is for somebody who wants a late model Ford F-150 or Ford Explorer with long powertrain coverage. Blue works if you're on a tighter budget and looking at something older, or a different brand, but you still want an inspection and a short warranty behind it. This next part trips people up. The powertrain coverage on a Gold Certified Ford is counted from the original in service date, not the day you buy it. A five year old truck has a lot less of those seven years left than a two year old one. Ask for the in service date when you compare. The powertrain coverage on a Gold Certified Ford is counted from the original in service date, not the day you buy it. What Does the Certification Inspection Check? It's a set checklist a Ford dealer technician works through before a vehicle can be sold under the Blue Advantage name. If it can't meet the standard for its tier, it doesn't get certified. Gold Certified Fords get the longer 172 point list, and Blue gets a 139 point list built to work on any make. Either way, you can ask to see the completed checklist. Farmington driver tip Ask to see the completed inspection checklist and the CARFAX report together. A truck that spent years pulling a stock trailer down MO 32 will show it somewhere, and the two side by side make it easier to spot. How Does the Money Back Guarantee Work? Every Blue Advantage vehicle carries a 14 day or 1,000 mile Money Back Guarantee, whichever comes first, counted from the sale date and the mileage on the bill of sale. That's time to drive it on your own roads and make sure it works for you. There are conditions, and you'll want to know them: The vehicle has to come back in the same condition it was sold in, apart from normal wear. A vehicle with a lien or other encumbrance can't be taken back. You don't get your original trade in back. Choosing a different vehicle may mean a new credit application with different terms. If you returned a Blue Advantage vehicle in the previous six months, you're not eligible. It's offered through participating Ford dealers, so have your sales consultant walk you through how it works here before you sign. Shop Ford Certified Browse All Used Can Warranty Forever Apply to a Certified Vehicle? On a lot of them, yes. Sam Scism Ford offers Warranty Forever at no charge on every new Ford and on most used vehicles we sell. It's our plan, separate from Ford's certified warranties, and it covers listed engine, transmission and drive axle components for as long as you own the vehicle, regardless of miles. So a qualifying certified vehicle could carry Ford's Blue Advantage coverage and Warranty Forever both. Not every used vehicle qualifies. Ask which ones on the lot do, and read both agreements so you know which one covers what. Warranty Forever has its own rules. You'll need to follow the customary maintenance in the agreement and keep records. Within 150 miles of the dealership, covered repairs get done here. It doesn't transfer to the next owner, and it doesn't include towing or a rental. Ford's certified warranties have their own terms, and we'll go over both with you at the desk. Warranty Forever Most used vehicles and every new Ford sold at Sam Scism Ford include Warranty Forever at no charge. Listed powertrain parts are covered for as long as you own the vehicle, with no deductible and covered parts and labor at 100 percent, when you keep up the customary maintenance and records. It's a dealer plan, not a factory warranty. See the dealer for details. How it works Program Basics What does Ford Blue Advantage mean on a used vehicle? + The vehicle passed Ford's certified pre-owned inspection and comes with Ford backed coverage, a CARFAX report and a money back guarantee. Whether it's Gold or Blue decides how much coverage you get. Can a non Ford vehicle be certified? + Other makes can qualify for Blue Certified if they're up to 10 years old, under 150,000 miles and pass the 139 point inspection. Gold is Ford only. Is there a certified tier for electric vehicles? + Ford offers an EV Certified tier for electric models such as the Ford Mustang Mach-E, with its own inspection and battery coverage. Call and ask which EVs we have certified right now. Gold Certified How old can a Gold Certified Ford be? + Up to 6 years old with under 80,000 miles when it's certified. When does the Gold powertrain warranty start? + The 7 year or 100,000 mile Powertrain Limited Warranty is counted from the vehicle's original in service date, so remaining coverage depends on its age and miles. What does the 12 month comprehensive warranty cover? + It's a broad limited warranty good for 12 months or 12,000 miles, whichever comes first. We can show you the full list of what's covered and what isn't. Blue Certified What warranty comes with Blue Certified? + A 90 day or 4,000 mile Comprehensive Limited Warranty, whichever comes first, along with roadside assistance for that tier's period. Who is Blue Certified a good fit for? + Somebody shopping older or higher mile vehicles, or another brand, who still wants an inspection and a short warranty behind it. How many points are on the Blue inspection? + The Blue Certified checklist has 139 points and is designed to work on any make. Buying Protection How long do I have to return a certified vehicle? + The Money Back Guarantee runs 14 days or 1,000 miles, whichever comes first, from the date and mileage on the bill of sale, at participating dealers and with conditions. Do I get my trade in back if I return the vehicle? + You won't get it back. Keep that in mind before you use the guarantee. Is a vehicle history report included? + Every Blue Advantage vehicle includes a free CARFAX Vehicle History Report. Shopping at Sam Scism Ford Does Warranty Forever stack with Ford certified coverage? + On qualifying used vehicles, Warranty Forever comes at no charge alongside Ford's certified warranties. Ask which ones qualify and read both agreements. Can I finance a certified pre-owned Ford? + The Finance Center arranges loans on certified and other used vehicles. Current used offers, when available, are posted on the used specials page. How do I see certified vehicles in stock? + Browse the Ford Certified page online or visit 5019 Flat River Road in Farmington. Call sales at 573-430-1687 to check on a specific vehicle. Finance a certified Ford Explore loan options with our Finance Center. Finance Center Have a trade Get an online offer before you visit. Get Your Trade Offer

Buying  |  Farmington, MO If you're thinking about trading before the new year, start here. This covers what our appraisers look at, which records help and how your payoff fits in. Late November is when a lot of folks around Farmington start running the numbers. The truck's got another winter of gravel roads ahead of it, and the 2026 Fords are on the lot. Nearly everybody starts with the same thing. They want to know what their trade's worth. It depends on a handful of things, and you've got some say in a few of them. If you know how the appraisal works before you come in, the number shouldn't surprise you. Quick answer: Trade in value comes down to mileage, condition, history, equipment and what buyers in this market want right now, and service records and a clean vehicle help with every one of those. Get an online offer first, bring your title or payoff details and both keys to the appraisal, and know whether you have equity or owe more than the vehicle is worth before you shop. Start here Online trade offer, then an in person appraisal Bring along Title or payoff info, service records, both keys Buying required No, Sam Scism Ford will buy your vehicle outright In this post What drives appraisal value Records and condition Timing at year end Payoff and equity Start with an online offer What Drives the Value of a Trade In? An appraiser is working out two things. One is what it'll take to get your vehicle ready to sell. The other is what the next buyer will pay for it. Mileage and age: Every appraisal starts here. Lower miles for the year usually help. Mechanical condition: How the engine, transmission, brakes and tires check out on a short drive and a walk around. Appearance: Dents, rust, windshield chips, stains and odors all mean reconditioning work. History: Accident reports, title status and the number of owners. Equipment: Trim level, four wheel drive, towing packages and options that buyers here look for. Local demand: A crew cab pickup or a three row SUV can draw more interest in Southeast Missouri than a small sedan. Some of that's fixed. Nobody can take miles back off a truck that's made the run up US 67 every workday for five years. Condition and timing, though, you can do something about. Do Service Records and a Clean Vehicle Change the Number? More than most people expect. A folder of service records tells the appraiser the vehicle was looked after, so there's less chance of a surprise after it's resold. Records from any shop count. Dealer records tied to the VIN are just easier to check. Then there's condition. You don't need to fix everything before an appraisal, and big repairs right before a trade rarely pay you back dollar for dollar. Small stuff is different. What is worth doing before the appraisal? Wash it and clean out the cab, bed and cargo area. Gravel dust and red clay hide the true condition of the paint and interior. Find both keys and the owner's manual. A missing key fob is a cost the appraiser has to account for. Note any warning lights and recent repairs so nothing comes as a surprise on the drive. Leave aftermarket parts on unless you plan to reuse them, and tell the appraiser what was added. A folder of service records tells the appraiser the vehicle was looked after. Farmington driver tip If your truck spends weekends at St. Joe State Park or on county gravel, give the underside and wheel wells a good rinse before you bring it in. Packed mud can look like rust from a few feet away, and it slows the inspection down. Is Year End a Good Time to Trade? Your vehicle loses a little value as the miles add up and as it gets a model year older. Waiting through another winter usually won't help the number. If it's about due for tires or brakes and you were planning to change vehicles anyway, trading first can make sense. The calendar matters on the new side too. By late fall the 2026 Fords are arriving next to the remaining 2025 models, and Ford's offers change through the year. Current programs are on the manufacturer specials page, and a sales consultant can walk you through what applies to the vehicle you want. Weather plays a small part. A clean, dry vehicle inspects better than one caked in road salt, so some folks get the appraisal done before the first ice storm. How Do Loan Payoff and Equity Work on a Trade? If you still owe on your current vehicle, that's fine. The dealer pays off the lender as part of the trade. What you care about is the gap between the trade value and the payoff. 1 Get your payoff amount Call your lender or check your account online for a current payoff figure. It's usually a little different from your statement balance because of interest. 2 Compare it to the offer If the trade value is higher than the payoff, the difference is equity, and it can go toward your next vehicle. 3 Plan for negative equity If you owe more than it's worth, the difference has to be paid or added to the new loan. Better to know that early, before you pick a vehicle and term. 4 Bring the paperwork A title if you own it free and clear, or your lender name and account number if you don't, plus registration and photo ID for everyone on the title. You can trade a leased vehicle too, and we'll go over the lease payoff with you. The Finance Center can explain how equity or a balance affects a new loan before you sign anything. Get Your Trade Offer Shop New Inventory Why Start With an Online Trade Offer? An online offer gives you a number to plan around before you walk in. At Sam Scism Ford, the Get Your Trade Offer tool asks for the VIN or plate, mileage, options and condition, then gives you a starting value. The final figure comes after an in person inspection and appraisal at 5019 Flat River Road, since no website can spot a cracked windshield or hear a bad wheel bearing. Be straight with the form. If you mark it excellent with the check engine light on, the gap at appraisal just gets bigger. You don't have to buy a vehicle to sell us one. We'll appraise any make in any condition and buy it outright if that's what works for you. Details are on the sell your car page. If you're trading toward something newer but not new, the used inventory has Ford Blue Advantage Certified vehicles and other makes to compare. Warranty Forever Every new Ford and most used vehicles sold at Sam Scism Ford come with Warranty Forever at no charge. It covers listed engine, transmission and drive axle parts for as long as you own the vehicle, regardless of miles, with no deductible, as long as you follow the customary maintenance in the agreement and keep records. See the dealer for details. How it works Trade In Value Basics How is my trade in value figured? + An appraiser looks at mileage, age, condition, history, equipment and current demand for that vehicle, then estimates reconditioning costs. The online offer gives you a starting point and the in person inspection sets the final number. Does high mileage kill my trade value? + Higher miles lower the number, but a well kept high mileage truck with records can still trade well. Condition and demand matter just as much. Will aftermarket wheels or a lift kit raise the value? + Usually not by what you paid for them, and some buyers prefer a stock vehicle. Let the appraiser know what was added and keep the original parts if you have them. Records and Preparation What paperwork should I bring to trade my vehicle? + Bring the title or your lender name and account number, current registration, photo ID for everyone on the title, both keys and any service records you have. Should I fix dents or scratches before trading in? + A good cleaning and cheap little fixes are worth doing. Bigger body or mechanical work rarely comes back in full on a trade, so get the appraisal first. Do service records from another shop count? + Any documented oil changes, tire work or repairs help, wherever they were done. Timing Your Trade Is it smarter to trade before or after winter? + Values slip as miles and age add up, so waiting rarely helps. Trading before it needs tires or brakes can save you that expense, too. Do new model years affect my trade value? + Your vehicle gets one model year older when the next one arrives, which can nudge the value down. That's one reason a lot of owners trade in the fall. Are there Ford offers on new vehicles right now? + Ford programs change through the year, so check the manufacturer specials page for what's running now. A sales consultant can confirm which ones apply to the vehicle you want. Loans, Leases and Equity Can I trade a vehicle I still owe money on? + Most people do. We pay off your lender as part of the deal, any equity goes toward the next vehicle, and any shortfall gets handled in the new purchase. What happens if I owe more than my car is worth? + That gap is called negative equity, and it can be paid at signing or added to the new loan. The Finance Center can show you how each choice changes the numbers. Can I trade in a leased Ford? + You can. Bring your lease account details and we'll get the payoff from the leasing company. Selling and Next Steps Do I have to buy a car to sell mine to Sam Scism Ford? + You don't. We'll appraise any make or condition and can buy it outright. How accurate is the online trade offer? + About as accurate as what you put in. The final value gets confirmed after we inspect and appraise it in person. Where do I get my vehicle appraised in Farmington? + Bring it to Sam Scism Ford at 5019 Flat River Road. Sales hours are Monday through Friday 8 AM to 6 PM and Saturday 9 AM to 5 PM, or call 573-430-1687 to set a time. Sell it outright Sell us your vehicle, any make, with no purchase required. Sell Your Car Rather shop used Browse pre owned trucks, SUVs and cars in stock. Used Inventory

Buying  |  Farmington, MO A refund can make buying a vehicle a lot easier, or it can vanish into one. Make a few decisions up front and it'll go further without leaving you short. Spring in Farmington brings two things like clockwork. The first warm weekend, and a refund landing in the bank account. For plenty of families in St. Francois County, that refund is the push to finally replace the car with the check engine light, or the truck that needs tires, a battery and a prayer every morning. Putting a refund toward a vehicle can be a smart move. It goes sideways when every dollar goes in and there's nothing left for the water heater that quits in May. We'll walk through how a refund fits into a purchase. Just know we're a car store, not your tax preparer. The details of your budget are something to sit down and go over with our finance team. Quick answer: A tax refund goes furthest as part of a down payment, along with any equity in your trade, because it lowers how much you finance. Get pre approved first so you know where you stand, then look at new, used and Ford Blue Advantage certified to find what fits the budget. Keep some of the refund in savings so a surprise bill doesn't turn into a missed payment. Down payment Refund plus trade equity lowers the amount financed Before you shop Credit application and trade value online Keep in reserve A cushion for repairs and life's surprises In this post How a down payment helps Adding trade equity Getting pre approved New, used or certified Keeping a cushion How Does a Tax Refund Help as a Down Payment? A down payment is the cash you put toward the vehicle at signing. Every bit of it comes off what you borrow. A smaller loan generally means a smaller monthly payment and less interest over the life of the loan. Or you can keep the payment and be done sooner. It can help with approval, too. Lenders compare what you're borrowing with what the vehicle's worth, and money down narrows that gap. That can make a lender more comfortable, especially if your credit has a few bumps. There's no magic number. The right amount depends on your income, your other bills, the vehicle and the loan terms you qualify for. Our finance team can show you how different down payments change things on a specific vehicle. What Is Trade Equity and How Does It Stack With a Refund? The vehicle you've got now may be worth more than you owe on it. That difference is equity, and it spends just like cash on your next one. Put a refund and solid trade equity together and the down payment adds up fast without touching your savings. It can go the other way, too. Owe more than it's worth and you've got negative equity. That balance doesn't disappear when you trade. A refund is a good way to knock some or all of it out instead of rolling it into the next loan. How do you find out what your trade is worth? Start with Get Your Trade Offer to see a value online, then bring it in for a quick inspection and appraisal. We'll look at any make in any condition, and leased or financed vehicles are fine to talk about too. You don't have to buy from us to get an offer. Farmington driver tip Before you come in, get your payoff amount from your lender and grab both keys and any service records. A clean stack of oil change receipts and that second key help the appraisal. Having the payoff in hand keeps the trade math honest. Why Get Pre Approved Before You Shop? Pre approval tells you what you can comfortably finance before you fall in love with something on the lot. It also speeds things up, since the finance team already has what they need to look for loan options when you sit down. You can fill out the online credit application from your couch. From there the Finance Center goes over options with you, whether your credit's strong, rebuilding or somewhere in between. 1 Know your monthly comfort zone Figure out what payment fits once the house payment, utilities, insurance and groceries are covered. Bring that number with you. 2 Apply online Submit the credit application so the finance team can start working before you arrive. 3 Value your trade Get an online trade value and plan for a short appraisal at the store. 4 Decide how much of the refund to use Set aside a cushion first, then put the rest toward the down payment. Set aside a cushion first, then put the rest toward the down payment. Should You Buy New, Used or Certified? A refund works with any of these. New Ford: the latest technology and full factory coverage, plus Warranty Forever at Sam Scism Ford. Ford manufacturer incentives change through the year and may help, so check current offers before you decide. Used vehicle: often the easiest on the budget. Most used vehicles sold at Sam Scism Ford qualify for Warranty Forever too, so ask about the one you're looking at. Ford Blue Advantage certified: a middle ground. Gold Certified covers Ford models up to six years old with under 80,000 miles, passes a 172 point inspection, and includes a 12 month/12,000 mile comprehensive limited warranty and a 7 year/100,000 mile powertrain limited warranty. Blue Certified covers any make up to ten years old with under 150,000 miles, with a 139 point inspection and a 90 day/4,000 mile comprehensive limited warranty. Both certified tiers include a 14 day/1,000 mile money back guarantee, roadside assistance and a CARFAX vehicle history report. Learn more on our Ford Blue Advantage page. Shop New Ford Inventory Shop Used Inventory How Much of Your Refund Should You Keep in Reserve? People skip this step and then wish they hadn't. A vehicle loan is a monthly commitment for years. Put every dollar of the refund into the down payment, get hit with a big bill a month later, and that payment gets a lot harder to make. We won't tell you how much to keep. That's your household's call. A rule of thumb a lot of people use is simple. Set aside a cushion first, then put the rest toward the down payment. Enough to cover a furnace repair or a month of short hours is a common target. Watch out for these Stretching the term to fit the payment. A longer loan lowers the monthly number but can mean more interest and more time owing more than the vehicle is worth. Forgetting insurance. A newer vehicle can cost more to insure. Get a quote on that exact vehicle before you sign. Spending the whole refund. An empty savings account makes every surprise bill a crisis. Keep a reserve. If you'd rather talk it through in person, come see us at 5019 Flat River Road. Sales is open 8 AM to 6 PM Monday through Friday and 9 AM to 5 PM Saturday, or call 573-430-1687. Warranty Forever Warranty Forever comes at no charge on every new Ford and most used vehicles sold at Sam Scism Ford. It covers listed engine, transmission and drive axle parts for as long as you own the vehicle, regardless of miles, when you follow the customary maintenance and keep records. See the dealer for details. How it works Using a Refund to Buy Can I use my tax refund as a down payment on a car? + Sure. A refund spends like any other cash at signing, and every dollar comes off what you finance. Ask the finance office ahead of time which payment forms they take. Is it smart to put my whole refund into a vehicle? + That depends on your savings and your other bills. Many buyers keep part of it in reserve for emergencies and use the rest as a down payment. Can I shop before my refund arrives? + You can apply for credit, value your trade and pick out a vehicle ahead of time. Talk with the finance team about timing so the down payment is ready when you sign. Down Payments and Equity Does a bigger down payment lower my monthly payment? + Generally, putting more down reduces the amount you borrow, which lowers the payment or shortens the loan. The finance team can show you side by side scenarios on a specific vehicle. What if I owe more on my car than it's worth? + That gap is negative equity. A refund can help cover it so you're not dragging old debt into a new loan. Do I have to buy a car from you to sell you mine? + Buying isn't required. Start with Get Your Trade Offer online, then bring the vehicle in for an appraisal. Financing and Pre Approval How do I get pre approved at Sam Scism Ford? + Fill out the credit application on our website, and the Finance Center will reach out with options. It saves time at the store. Can I get financing with less than perfect credit? + Our finance team can review options for many credit situations. A down payment from your refund can help. Should I talk to my tax preparer before buying? + If you've got questions about your refund or taxes, your preparer is the right person to ask. Our team handles the vehicle and the financing side. New, Used and Certified What is the difference between Gold and Blue Certified? + Gold Certified is for Ford models up to six years old with under 80,000 miles and adds a 7 year/100,000 mile powertrain limited warranty. Blue Certified covers any make up to ten years old with under 150,000 miles and comes with a 90 day/4,000 mile comprehensive limited warranty. Do used vehicles get Warranty Forever? + Most used vehicles sold at Sam Scism Ford qualify, and every new Ford does. Ask about the one you're looking at. Are there Ford incentives this spring? + Manufacturer offers change month to month. Check our current specials page or ask the sales team what applies to the model you want. Visiting the Store What should I bring to buy a vehicle? + Bring your driver's license, proof of insurance, your down payment, and your trade's title or payoff information along with both keys. Can I order a new Ford if the one I want isn't in stock? + We can place a custom factory order. Ford doesn't charge extra for orders, and incentives can apply at order or at delivery, whichever you choose. When is the sales department open? + Sales is open 8 AM to 6 PM Monday through Friday and 9 AM to 5 PM on Saturday. Call 573-430-1687 to set up a time. Talk numbers with Finance See loan options and how your down payment changes them. Finance Center Current Ford offers See manufacturer specials before you pick a vehicle. View Specials