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Welcome To Stivers Ford Lincoln of Iowa
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Family-Operated Ford Dealership Providing Waukee and the Rest of the Des Moines Area with Better Vehicles Since 1980

Some of the Ford vehicles for sale here at Stivers Ford Lincoln of IowaDo you dread the notion of dealing with overly aggressive salespeople and feeling rushed into a decision when you are looking for a new or used car, truck, or sport utility vehicle (SUV)? Then avoid all of these bothersome antics by coming to Stivers Ford Lincoln of Iowa. Meeting the automobile needs of Ankeny, Waukee, West Des Moines, and the rest of the greater Des Moines IA area for over 35 years, our friendly staff gives you plenty of breathing room to browse at the speed you prefer in a comfortable, accommodating atmosphere that emphasizes wonderful experiences for every prospective buyer.

Becoming one of the area’s most successful Ford and Lincoln dealerships involved our entire team dedicating themselves to achieving nothing less than total customer satisfaction. We always treat everyone who walks through our front doors like family, because we are part of the Waukee community that enjoys throwing bowling balls at Warrior Lanes, gathering together for recreational activities and picnicking at beautiful Centennial Park, and exploring nature on the Clive Greenbelt Trail — just like you. Our primary goal is ensuring you select the perfect Ford or Lincoln for living your life around Des Moines IA to the fullest.

If you want to learn more about why countless local residents and members from the surrounding communities continue choosing Stivers Ford Lincoln of Iowa, which has received the prestigious honor of Ford Motor Company President's Award and Best Domestic Auto Dealer from Des Moines Cityview Readers (seven years in a row), give us a call at 515-987-3697 for candid conversations and straightforward answers. The men and women of Waukee who proudly represent Stivers Ford Lincoln of Iowa are happy to assist discerning buyers throughout the Des Moines IA area in any aspect of purchasing an automobile.

Our Vast Selection of Fords Keeps Your Options Open

One of the main reasons we remain atop the automotive competition across Des Moines and Iowa lies in carrying the largest inventory of Ford vehicles currently available on the market. From sophisticated sedans to heavy-duty, durable trucks, and well-equipped SUVs, Stivers Ford Lincoln of Iowa has the right new or Certified Pre-Owned Ford waiting for you on our showroom floor or expansive lot. For those still not sure which model suits them the best, look over the following recap highlighting a few of the latest Fords seen ruling the roads of Waukee and Des Moines IA.

Ford F-150

Ford F-150

Deemed America's favorite pickup for more than 40 years now, the F-150 truck stands ready to handle all types of tough tasks for work, home improvement projects, and anything else on your to-do list. With an array of premium features that include SYNC 3 technology, best-in-class towing, a rugged aluminum body, and plenty of room for your crew, completing the job fast is convenient due to the comfort and durability of Ford F-150.

Ford Explorer

Ford Explorer

Your search for the ideal SUV that fits seamlessly into your daily schedule and takes excursions to the next level ends when you discover everything Escape has to offer. Bearing in mind Escape's Intelligent 4WD System, Apple CarPlay and Android Auto connectivity, clever cargo storage space, and numerous other class-leading amenities, you will find out in no time at all that this SUV fulfills your requirements and exceeds expectations.

Ford Edge

Ford Edge

Primed to tackle everyday commutes, treks across the nation, and everything in between, Ford Edge leads the way in the increasingly popular crossover section. It contains a multitude of cutting-edge features designed to upgrade every part of sitting behind the wheel, including access to Auto Start-Stop Technology that decreases fuel usage, a hands-free liftgate activated by your foot, and SYNC 3 functionality.

 

Ankeny, Waukee, and West Des Moines drivers interested in keeping their budget lower can also certainly turn to Stivers Ford Lincoln of Iowa for affordable solutions. We stock a wide range of pre-owned Ford and Lincoln automobiles, as well as various offerings from several other popular automakers, making Stivers Ford Lincoln of Iowa your first choice when you decide to purchase a new or used car, truck, or SUV.

Welcome to Stivers Ford Lincoln

Stivers Ford Lincoln is a renowned dealership with a strong community reputation for exceptional service and a vast inventory of new and used vehicles. Conveniently located, Stivers offers a wide range of the latest Ford models with cutting-edge technology and features. Stivers Ford Lincoln is dedicated to helping you find the perfect car.

At Stivers Ford Lincoln we have an impressive inventory of new Ford cars for sale. Ford takes pride in their homegrown manufactured cars. The Ford F-150 for sale in Waukee, IA is an impressive display of American-made towing and hauling capacity. We don't just offer trucks at Stivers, we have the Ford Escape SUV, which offers a 360-degree camera for safety and maneuverability. On the topic of safety, our Ford Explorer includes driver-assist technology and PowerFold seating to make your ride safer and more comfortable. If searching for older Ford models, check out our used car dealership.

Finance and Service Center

Our finance center is designed to help you on your purchasing path. The service center in Waukee, IA offers repair and routine services available to you via our Ford-accredited mechanics. Check out our service coupons in Waukee, IA for even more affordable care for the American-made car you seek.

Stivers Ford Lincoln dealership in Waukee, IA will set you up with the car that best fits you. Contact us at 800-747- 2744 to learn more.

Stivers Storefront

Why So Many in Ankeny, West Des Moines, and the Rest of the Greater Des Moines Area Choose Ford

You have most likely caught on to the fact that our automotive professionals love the Ford brand and their dedication to attaining excellence. However, we are just one of many willing to voice the high quality, affordability, and lifestyle improvements included with driving your own Ford. A myriad of prominent players in this highly competitive industry have joined us in acknowledging Ford as a manufacturer setting the standards for everyone else. Some of the names you might recognize are listed below:

  • The Ethisphere Institute (Member of the "Most Ethical Companies" list.)
  • Kelley Blue Book
  • U.S. News and World Report
  • Vincentric
  • The Insurance Institute for Highway Safety (IIHS)
  • AutoGuide
  • Cars.com
  • The National Highway Traffic Safety Administration (NHSTA)
 

Despite the probability of strong support for Ford coming from multiple trusted endorsers influencing your viewpoint as you contemplate your vehicle prospects, this time-honored auto manufacturer does not bank on previous awards and accolades only, nor leave you hanging after the sale of your dream sedan, pickup, or SUV. Ford backs each new member of their growing circle of satisfied customers in Ankeny, West Des Moines, and the rest of Des Moines IA with the following noteworthy warranty and protection assurances:

  • Three-year/36,000-mile coverage from bumper to bumper.
  • Five-year/60,000-mile coverage for Ford safety restraint systems.
  • Five-year/60,000-mile powertrain protection.
  • Five-year/100,000-mile PowerStroke diesel engine coverage.
  • Five-year/unlimited mileage corrosion (perforation only) coverage.

Once you pair this with Stivers Ford Lincoln of Iowa’s commitment to always giving shoppers the utmost respect and offering the biggest selection of Ford models just outside of Des Moines IA, the message being communicated by our experienced team should come through clear as day: Spending your time wisely searching for a new car, truck, or SUV starts with calling 515-987-3697 to reach our Ford specialists and planning a visit to Stivers Ford Lincoln of Iowa. After you tap into our extensive knowledge of Ford and pre-owned vehicles, you will undoubtedly drive off in the right automobile for your trips on the road. Call 515-949-6870 today!

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Dealer FAQs
Dealer FAQs

Does Stivers Ford Lincoln of Iowa sell used cars?

Yes. Buying a clean, affordable used car on our lot at a great price is easy. Simply browse our expansive online inventory and you'll see precisely why Stivers Ford Lincoln of Iowa is the first name so many turn to in Des Moines when the time comes.

Why should I buy a used car from Stivers Ford Lincoln of Iowa?

Because so many other discerning car shoppers in Des Moines turn to us first. For some, the allure of shopping with us comes from our outstanding selection of quality used cars and our affordable pricing that always puts your budget first. For others, our respectful team and a shopping environment that places a priority on your comfort and satisfaction serves as the cherry on top.

When paired with our plethora of positive customer reviews, the above benefits of buying a used car from Stivers Ford Lincoln of Iowa make one thing readily apparent: You will always find the most enjoyable and budget-friendly used car shopping experience in Des Moines at our friendly and clean used car lot.

Does Stivers Ford Lincoln of Iowa offer used car specials?

Yes. Check out the latest deals on our used car specials page and see for yourself just how much we can save you on the stellar used car, truck, or SUV you've always wanted.

Am I getting the best price in and around Des Moines?

Absolutely. Whether you are celebrating a recent graduation, a new job, or you have a new baby on board, one thing always remains the same: We have the most fantastic prices in Des Moines on quality cars, trucks, and SUVs. Our team takes an extreme amount of pride in delivering this massive amount of value directly to you during whichever major life event brings you to our showroom floor, so you can shop with confidence knowing that you really are getting the best price possible on the vehicle that piques your interest.

How do I pick the right used car to buy?

It's easy with Stivers Ford Lincoln of Iowa on your side. We have helped thousands of used car buyers with this process over the years, and the best place to start is by considering the particulars of your unique situation. Are you interested in the utility of a pickup, the ample legroom of an SUV, or the eco-friendly gas mileage of a compact car or sedan to help lower the cost of fuel that comes with your daily commute?

Once you have spent some time pondering these questions, browse our expansive online inventory or call 515-987-3697. From here, we will be more than happy to assist you in exploring all of your options and help ensure that you drive away from our used car lot with a smile on your face and in a used car that suits you perfectly.

Is every vehicle on this website for sale?

Yes. If you see a vehicle listed on our website, that means it has already passed our rigorous quality inspection process and is ready and waiting to impress you when you come in to take it for a test drive.

Will Stivers Ford Lincoln of Iowa pressure me into buying a car I'm not sure about?

No. Your comfort and satisfaction are our primary focus, so you can shop with confidence knowing that you are in complete control of this process from start to finish. Our sales team has a sterling reputation based on our commitment to always doing right by local car shoppers, which is why so many individuals in Des Moines proudly consider themselves customers for life.

What if Stivers Ford Lincoln of Iowa doesn't have the used car I want?

We are dedicated to sourcing quality used vehicles for all of our customers, so let us know what you are in the market for and we'll get to work immediately on finding your preferred used car through our expansive dealer resource network. Use our handy used car locator service today and you'll soon find yourself driving home in your dream car, truck, or SUV.

Can I compare used cars for sale?

Yes, and it only takes a couple of clicks to leverage the power of our useful comparison tool. For each vehicle you would like to compare side-by-side, click the button labeled "Compare" on the vehicle details page, or the comparison arrows icon for the associated vehicle on the list page you are currently viewing.

Once you are done selecting all of the vehicles you want to review, click the "My Compared Vehicles" button located in the toolbar at the top of every page on our site and then the option labeled "View Compared Vehicles". After doing this, you'll find yourself on a custom, private page generated exclusively for you that compares the important specs and details related to you hand selected assortment of vehicles that appeal to you.

How do I know Stivers Ford Lincoln of Iowa's used cars for sale are reliable?

All incoming used cars undergo a rigorous inspection process that ensures our vehicles meet — and exceed — your expectations. Holding our inventory to the highest standards possible guarantees that you enjoy peace of mind and comfortable travel.

What is the difference between a used car and a certified pre-owned (CPO) vehicle ?

Great question. A certified pre-owned (CPO) vehicle is a used car, truck, or SUV that comes with a warranty backed by the manufacturer, in addition to other premium services, like 24/7 roadside assistance. To earn this designation, the CPO vehicle must have less than a set limit of miles traveled and pass an in-depth multipoint inspection. As for used cars at Stivers Ford Lincoln of Iowa, these offerings also undergo a rigorous inspection process to guarantee superb quality, in addition to providing you with access to the remainder of the factory warranty (if applicable) in terms of extended coverage.

Can I schedule a test drive at Stivers Ford Lincoln of Iowa?

Yes, and it only takes a moment to schedule an appointment. Call 515-987-3697 and we will get you on the books for a complimentary test drive of whichever vehicle piques your interest and offer guidance to you along every step of the way until you find the ideal car that fits your unique needs.

Do I need to test drive a car before I buy it?

We highly recommend taking advantage of this complimentary service. Feeling good about buying a quality used car, truck, or SUV that will last you long into the future requires being completely comfortable with the vehicle that intrigues you. Our experts transportation consultants are happy to schedule a quick test drive so that you can proceed with confidence when the time comes to finalize this major decision.

When is the best time to come shop at Stivers Ford Lincoln of Iowa?

Anytime during our normal operating hours. We always have a friendly and helpful car consultant available to help you find the right car or truck that fits your routine. Feel free to stop by at any convenient time for you, or give us a call at 515-987-3697 to schedule an appointment so we can be ready to drive the car you're looking at when you get here. Either way, you'll find that shopping at Stivers Ford Lincoln of Iowa is always a pleasant and convenient experience.

Will Stivers Ford Lincoln of Iowa deliver the vehicle I purchase?

Our team is always looking for new and exciting ways to provide even more value to our customers, so we would love to work with you and see if we can accommodate this request. We are always ready and waiting to go over important details regarding this process (including your proximity to our Des Moines location, preferred delivery date, and vehicle weight), so call 515-987-3697 today and we will work hard on your behalf to find the best possible way to fulfill your desired vehicle delivery.

Can I see a vehicle history report?

Yes. Transparency is a cornerstone of our car buying experience, so our friendly sales team is pleased to provide you with an accurate and up-to-date vehicle history report covering every vehicle that piques your interest in our inventory. Each used car sold on our lot adheres to a strict commitment to quality and reliability, so shop with confidence knowing that a complimentary, comprehensive vehicle history report that confirms this sterling standard is always available for you at Stivers Ford Lincoln of Iowa.

What if I am not happy with the car I purchased?

We are committed to your satisfaction throughout each phase of the car buying process — even after you sign on the dotted line. Our team is only a quick phone call away, and we will do everything in our power to allay any concerns you might have regarding your recently purchased used car, truck, or SUV. This way, you can keep riding around Des Moines in style and enjoy all of the benefits that come with upgrading your daily driver.

Does Stivers Ford Lincoln of Iowa sell new Ford vehicles?

Yes, we proudly offer the latest exciting, feature-rich vehicles straight from Ford. As soon as you pick out your dream Ford vehicle, you can count on our friendly team to work out the details. If you're a new Ford shopper in Des Moines, there is plenty to love about our blend of outstanding selection, premium service, and impressive financing.

Why should I buy a new Ford vehicle?

Buying a new Ford from us is the easiest and most convenient way to get the biggest bang for your buck when upgrading into an exciting new vehicle. Known for their reliability, performance, and affordability, Ford vehicles are the cream of the crop in the automotive world and sure to turn heads here in Des Moines.

Owning one of these fine automobiles is also the ultimate opportunity to save a ton of money and enjoy the confidence that comes with parking your dream car in your garage. If you're in the market for a major upgrade to your daily routine, come on in and we'll find a way to make it happen.

Do new Ford vehicles come with a warranty?

Yes. Ford wants you to be more than satisfied long after you roll off of our lot in your stunning new car, which is why each and every award-winning new Ford we sell comes with a plethora of protections via a copious warranty program. For more information about the warranty and safeguards that come with a new Ford, call 515-987-3697 or come on in to talk to one of our friendly consultants.

Can Ford work with me on the price of a new Ford vehicle?

Yes. Getting you behind the wheel of the Ford you want is one of our favorite things to do. Every shopper comes from a unique financial background, so we take pride in being flexible with financing. Let us work our magic to find you a comfortable solution that works for you. It's easy, convenient, and we can get it done quickly.

What are the benefits of buying new versus buying used?

This is a great question. Stivers Ford Lincoln of Iowa has years of experience spotlighting the advantages related to these two choices, so here's a quick overview.

Buying a new car is a great idea if:

  • You like driving new cars.
  • You want the latest and greatest in terms of safety technology.
  • Cutting-edge infotainment and connectivity with your smart devices is a top priority.
  • You like the confidence that comes with being protected by a Ford warranty.
  • You want the lowest interest rate possible.
  • You want to take advantage of new car incentives directly from Ford.

Buying used is probably the right call if:

  • The budget-friendly nature of pre-loved cars appeals to you.
  • You want to get more bang for your buck and are seeking a gently used premium option.
  • Keeping your car insurance rates low is important to you.
  • You want to take advantage of Stivers Ford Lincoln of Iowa's commitment to reliability through our in-depth inspection, repair, tune-up, and detail process.
Why choose Stivers Ford Lincoln of Iowa over the competition?

Because you want to feel respects and choose from one of the best selections of reliable vehicles that in or around Des Moines. Or because you want to take advantage of customer-first, affordable pricing. Maybe because leaning on the assistance of friendly professionals who can cater to your unique situation and help guide you through the search for the right vehicle is an invaluable asset to have on your side during this major moment in your life.

Simply put, because you — like other discerning shoppers — deserve to enjoy all of the benefits that come with shopping at the most trustworthy dealership in or around Des Moines.

Why should I buy from Stivers Ford Lincoln of Iowa?

Buying a car from us is all about maximizing your return on this major investment. Our friendly sales professionals always put your needs first, and will help you navigate our expansive selection of reliable, affordable, and alluring cars and trucks. At Stivers Ford Lincoln of Iowa, we've crafted a shopping experience that makes finding your perfect car straightforward and downright fun!

What are Stivers Ford Lincoln of Iowa's hours?

Stivers Ford Lincoln of Iowa's current hours of operation can be found on our contact page. Our business hours are subject to change throughout the year based on seasonal considerations. We stay open long hours so that serving your travel needs is as convenient as possible.

Is Stivers Ford Lincoln of Iowa open on Sundays?

Yes. It is our pleasure to provide extended business hours on Sunday to our friends here in Des Moines. Doing so ensures that you can conveniently shop on your terms and at a time that works best for you.

Where is Stivers Ford Lincoln of Iowa located?

We are always a phone call and typically just a short drive away. We stay vigilant in service and we are always ready to help you upgrade your daily driver. To make planning out a quick trip to our showroom floor even easier, you can find our official address for your GPS or map app below.

1450 East Hickman,

Waukee, IA 50263

How can I get a hold of someone at Stivers Ford Lincoln of Iowa?

With a quick and friendly phone call. Dial 515-987-3697 when you are ready to tap into the expertise of our team and we will help you get to cruising the streets in the perfect vehicle for you.

What kind of loan rates does Stivers Ford Lincoln of Iowa offer?

Stivers Ford Lincoln of Iowa is committed to offering you the most competitive financing rates possible in Des Moines. How do we do this? By working with lots of lending institutions and being flexible regarding your credit history, loan terms, and past financial hardships or considerations, we are able to provide access to impressively low rates that put you behind the wheel of your dream car and still keep your bank account happy along the way.

Want to learn more about your specific loan rate? It's easy, call 515-987-3697 today.

Can I finance my taxes, registration, and other fees?

Yes. Nearly all car loans bundle the taxes, registration fees, and other expenses into the loan. This is a great way for savvy shoppers to reduce the upfront expenditure associated with buying a car and registering it.

Can I include the cost of service contracts, GAP insurance, accessories, and other vehicle related items in the total amount that I finance?

Yes. We know that being flexible with financing additional services over time goes a long way toward making the car-buying process more convenient and relaxed for everyone.

If you would like to take advantage of optional upgrades when financing your next car, truck, or SUV, let us know when you come in and we will be happy to help you spread out the cost of over the term of your loan.

Can I get financed with no money down?

Yes. Stivers Ford Lincoln of Iowa offers zero down payment financing to qualified buyers. Let us know that you want to consider this option when the time comes to apply for a loan and we will help you get it done.

Can I get financed if I don't have good credit?

Yes, we do it everyday. We work with lots of different lenders to help people from all walks of life get into suitable cars and trucks. We shop your loan on your behalf which pits the banks against each other and gets you the best possible rate, regardless of your credit history.

Can Stivers Ford Lincoln of Iowa help me get a loan if I have no credit history?

Yes. Connecting first-time buyers with the loan they need to purchase a new or used car is one of our many specialties. Call 515-987-3697 today and we will be happy to lay out how our approach makes financing easy and simple for newer and first-time car buyers.

Can Stivers Ford Lincoln of Iowa help me get a car loan if I have recently gone through a bankruptcy?

Good question. We've helped many customers in this situation secure the financing they need to get into a reliable and affordable used car. Thanks to our easy loan application process, all it takes is a few minutes to get the process started. We can often leverage our large network of banks to find a trusted partner that will make an exception if your life situation has improved markedly since the hiccup.

Can Stivers Ford Lincoln of Iowa help me get financed if I am disabled or on Social Security?

Yes. Getting approved for the right loan as a person receiving disability and Social Security disbursements is a piece of cake with our helpful finance experts on your side. Many lending institutions consider these payments as sources of income when determining the type of loan you qualify for and the loan's total value — a crucial fact that greatly improves your terms when you are approved for financing.

Can I get approved for a loan if I am self-employed?

Getting approved for a loan as a self-employed tax payer is a simple matter. Income verification will be the key to your success. Once we review a the documents that verify your income such as your tax returns, bank statements, or canceled checks, you'll find that getting approved is simple, straightforward, and convenient.

Can Stivers Ford Lincoln of Iowa help me obtain financing if I recently changed jobs?

Yes. Starting a new job can be an exciting time. Let us help you make this big moment even sweeter by connecting you with the right loan on your next vehicle. Your employment status is just one of the myriad factors that go into the loan approval process, so if you recently upgraded into a better position at a new company you can apply with confidence knowing that our financing team are prepared to secure a great loan at the lowest interest rate possible.

Can Stivers Ford Lincoln of Iowa finance my loan if I am a first-time buyer?

Helping guide first-time car buyers through this important — and exciting — event is one of our specialties. Let our trustworthy and friendly team take the lead on this for you and you will soon see why so many first-time buyers in Des Moines lean on us when the time comes to finance an affordable and reliable new or used car with budget-friendly payment.

What if I owe more than my car is worth?

Commonly called under water, or upside down, in an inequity position, or buried, our finance team has seen it before. We leverage many years of professional experience assisting shoppers through this situation. It starts with a fair offer to buy your trade-in.

We can typically roll any inequities into the new loan which means that we pay off the difference and you start a new loan on the new car. This way you can drive home in style in the car or truck that you really want.

Do I have to have a job to get financed at Stivers Ford Lincoln of Iowa?

Being employed is one of a host of factors that will go into any car loan approval process. Our team of experts can do what they do best and work hard to secure you the perfect loan for your unique situation, but you're still going to have to pay it back. Banks like to see a steady history of income and you'll need to be clear about your other sources of income and how you intend to pay back the loan without a job.

Can Stivers Ford Lincoln of Iowa provide quote on my trade-in's value?

Yes. Securing access to seller-friendly offers on trade-in vehicles in Des Moines starts with calling 515-987-3697 for a quick chat about your car. For shoppers who prefer to keep things digital, check out our friendly trade appraisal tool to request a quote on your trade-in vehicle and the insight of our expert team of vehicle appraisers.

How does Stivers Ford Lincoln of Iowa determine my vehicle's trade-in value?

With the utmost care and consideration. We make it a point to provide the most customer-friendly trade-in experience imaginable. We are happy to make a fair offer on any vehicle you want to trade toward your next car. This commitment to going above and beyond is why local car buyers shop with confidence at Stivers Ford Lincoln of Iowa.

Can I sell you my used car even if I don't make a purchase?

Yes. We are always ready and willing to buy your car for a fair amount and our check is good today.

Can I get pre-approved for a loan at Stivers Ford Lincoln of Iowa?

Finding out if you qualify for loan is fast and has no impact on your credit score. Use our quick pre-approval tool.

Do I have to get financed for a loan via Stivers Ford Lincoln of Iowa?

If you prefer to work with your personal bank on the financing, we are eager to help you pick out the perfect car, truck, or SUV for you. Before you make your final decision, we would suggest that you connect with our financing team to see if we can find a better rate or more favorable terms.

Why should I get financed at Stivers Ford Lincoln of Iowa?

The short answer? It's easy, convenient, and it's the best option. We employ a swift process that keeps your interest rate and fees low. We work hard to find the best loan terms and our team makes a point to keep you in the know from start to finish.

How much should my down payment be?

Conventional wisdom suggests that putting down 20 percent of the total cost of the car at signing is a smart idea. However, your unique situation may require something different, and that is always fine by us.

What is gap insurance?

Gap insurance is an form of protection that provides insurance coverage for the remainder of your auto loan should an accident or collision completely total your vehicle. Gap insurance kicks in to safeguard your credit in the event of the total loss of your car and pays off the negative equity in your loan if you owe more than the depreciated value of your vehicle.

Do I really need gap insurance?

Gap insurance is a great asset to have on your side if you:

  • Made a small down payment.
  • Selected a loan term with a 48-month or longer duration.
  • Plan on putting more mileage on your vehicle than the average driver.
  • Value the confidence that comes with complete financial protection.
Do I need a co-signer?

Having a co-signer can make getting approved for a loan easier because of the combined credit score, income, and financial history. To determine if this is the best fit for you, let our team of experts leverage their years of experience to provide a hand as you consider your options.

Do I need an appointment to meet with a financing specialist at Stivers Ford Lincoln of Iowa?

Walk-in customers are always welcome, come on in and sit down for a chat regarding your car loan financing options at a time convenient for you. You can also call ahead to schedule an appointment with a friendly team member.

Will I be at the dealership all day signing paperwork to get my loan?

We make the process fast and easy. Our goal is to get you behind the wheel of your dream car as soon as possible. You can count on us to have everything ready when you come in to pick up your new car.

What does "LTV" stand for?

The loan-to-value (LTV) ratio is a tool used by lenders to represent the amount of money owed on your loan relative to the value of your vehicle. For example, if you currently have a loan for $15,000 on a vehicle that is worth $20,000, your LTV is 75%.

If you owe more than your current vehicle is worth, your LTV will need to be addressed. Stivers Ford Lincoln of Iowa has decades of experience assisting car shoppers through this exact situation.

What does "PTI" stand for?

The payment-to-income (PTI) ratio is a percentage that describes your car payment in relation to your pre-tax income. As an example, if your monthly car payment is $300 and your gross monthly income is $3,000, then your PTI is 10%. Lenders usually look for a PTI that sits at around 15% when considering how large to make a loan, but this is just one of a host of factors that go into the process of securing the best financing options your unique situation.

What does "DTI" stand for?

The debt-to-income (DTI) ratio represents all of your monthly debt divided by your monthly income. Credit card payments, mortgage payments, and other recurring expenses are factored into this metric, which most lenders suggest keeping at or below 50%.

What does "POI" stand for?

"POI" stands for proof of income and is a metric that helps our associated lenders verify your stated income during the loan application process. Some common examples of proof of income include:

  • Pay stubs
  • Bank statements
  • Last year's federal tax return
  • Form W-2
What does "POR" stand for?

"POR" stands for proof of residency and is a tool that aids our stable of high-quality lenders confirm your residency during the car loan application process. Some common examples of proof of residency include:

  • Vehicle registration or title
  • Voter registration card
  • Utility or telephone bill
  • Selective Service card
  • Checking or savings account statement
What does "APR" stand for?

"APR" stands for the annual percentage rate. Typically referring to the interest rate of your car loan. This yearly interest rate is what you'll pay in addition to the amount you borrow initially, and can be fixed (unchanging for the duration of your loan term) or variable (may change over the life of the loan).

What does "ACV" stand for?

"ACV" stands for the actual cash value. ACV is used to describe the amount of money a car can be expected to sell for through the large auction networks right now. This is the amount that we can expect to recoup should we choose to sell your car at auction.

Can I see the full purchase agreement before I agree to buy?

Yes. Transparency is paramount for our team. If you have any questions regarding specific inclusions within this agreement, the friendly and knowledgeable team member working with you will be happy to review and explain every line.

Can I lease a new Ford at Stivers Ford Lincoln of Iowa?

Yes. Leasing a new car at Stivers Ford Lincoln of Iowa is all about having your cake and eating it too. We are proud to pair up an impressive selection of head-turning Ford vehicles with a leasing program that makes upgrading your daily commute a breeze. Simply stop by our showroom floor today or shop online and call 515-987-3697 whenever works best for you. From here, we will get you behind the wheel of the Ford vehicle you've been dreaming about in a flash, all at a low monthly price that fits your budget.

What is a new car lease and how does leasing a vehicle at Stivers Ford Lincoln of Iowa work?

A new car lease gives you the opportunity to take to the streets of Des Moines in an alluring and feature-rich new Ford at a cost that is often significantly lower than traditional monthly car payments. As part of this program, you'll enjoy all of the perks that come with owning your favorite Ford for a predetermined term length of time and/or number of miles traveled.

When this term reaches completion, you'll also have the flexibility to purchase this vehicle at a great price if you decide that you want to keep it. Leasing gives you options. The choice is always yours.

What is the difference between leasing and financing?

Financing a car places complete control in your hands for as long as you own your vehicle, while leasing is a temporary ownership arrangement that pre-negotiates the value of your car at the end of the lease. With a lease, you can switch into new cars every couple years and never be surprised by an unexpected dip in value. To determine which option works best for you, connect with us and we will layout the options in plain English which makes your decision easy.

Should I buy or lease a vehicle in Des Moines?

This depends entirely on your unique needs and financial considerations. To help make the big choice between buying or leasing a vehicle easy and fun, here's an overview of the benefits.

You should lease a new Ford if:

  • You love the idea of upgrading into the hottest new Ford every couple years.
  • You only need a car for a short time and would rather not set up longer-term financing.
  • You are seeking a lower out-of-pocket cost at signing.
  • You prefer lower monthly payments.

You should buy a new Ford car if:

  • You love the idea of owning the vehicle you drive.
  • You want the freedom to sell your vehicle whenever you want.
  • You want to keep your insurance costs as low as possible.
  • You know you will put a lot of miles on your car.

Call 515-987-3697 to tap into the insight of our experts and we'll help you make a smart decision on whether to finance or lease.

How does leasing differ from owning a vehicle?

As far as your day-to-day experience goes, buying a vehicle from us or leasing one of our outstanding Ford offerings is exactly the same. Both options let you drive around in the Ford of your choice, and we'll always be here to provide you with the best service in and around Des Moines when the time comes to bring your vehicle in for routine maintenance.

The only real changes come from a big picture perspective. Financing a new Ford gives you complete ownership of your chosen vehicle, while leasing comes with a fixed term of possession. At the end of this period, you can either upgrade into another new car with the latest tech and creature comforts, or you can purchase your current vehicle at the pre-negotiated buyout price if you're still loving your car.

Does Stivers Ford Lincoln of Iowa rent cars?

Yes. We have a wide selection of Ford rental cars and trucks ready and waiting. Call 515-987-3697 today and we'll reserve the perfect vehicle for your travel needs. Focus on the fun stuff — like planning an adventure or getting the details right for your next big trip.

Why should I rent a car at Stivers Ford Lincoln of Iowa?

Because we provide you with outstanding service and an ample selection of Ford rental options, at the lowest rates possible. Our friendly and knowledgeable team of experts and our commitment to flexible scheduling ensures that picking your car up is always convenient.

What do I need to rent a vehicle from Stivers Ford Lincoln of Iowa?

Renting a vehicle from Stivers Ford Lincoln of Iowa is a breeze. All we need to get this process started are a few things, which include:

  • Valid driver's license
  • Major credit or bank card issued to the prospective renter
  • Valid, unexpired insurance that is transferable to a rental vehicle (proof of insurance required)

Call 515-987-3697 once you have these items together and we will have you sorted out and scheduled to come in and pick up your rental vehicle right away.

What if I don't have full insurance coverage that transfers to a rental vehicle?

This is a question that pops up quite often, and we want you to know that you always have options. Depending on your unique rental situation, a Collision Damage Waiver (CDW) may be available to supplement full, transferable insurance coverage. To find out if this option is available and to rent one of our outstanding vehicles at an ultra-low price, call 515-987-3697 and a member of our rental team will help you learn even more about how a CDW can help you secure a great rental vehicle for your trip.

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