How to finance a Ford F-150 in Southwest Houston
Apply through our online finance application, value your trade online, and bring your ID, proof of income and Texas auto insurance to 6445 Southwest Fwy. Walk-ins are welcome, with or without an appointment.
Keep reading below, then schedule a test drive in Houston. Bringing your own numbers to the lot settles this faster than any spec sheet.
What documents do you need to finance an F-150 in Texas?
Bring a government-issued ID, proof of income or employment, proof of Texas auto insurance, and your down payment funds.
Texas sets the insurance you must carry. The Transportation Code requires $30,000 of liability coverage for bodily injury or death of one person in one collision, $60,000 for two or more persons in one collision, and $25,000 for damage to property of others in one collision. The statute quotes that minimum as follows: “(3) $25,000 for damage to or destruction of property of others in one collision.” (Texas Constitution and Statutes, Transportation Code Chapter 601, Sec. 601.072)
Your proof of insurance has to show at least those limits. A policy with lower limits will not satisfy the Texas requirement, so check the declarations page before you come in.
How much does a new Ford F-150 cost before financing?
Ford’s published starting MSRP for the 2026 F-150 begins at $39,585 for the XL and rises with each trim. The STX starts at $41,855, the XLT at $44,695 and the Lariat at $59,560. The Tremor starts at $64,915, the King Ranch at $65,825, the Platinum at $68,800 and the Raptor at $79,005.
Your loan starts from the trim you pick, not from the lowest number on the list. A buyer who wants the Lariat should plan around $59,560 before taxes and fees, which is where the rest of this article begins.
Group 1 Ford of Southwest Houston sells the F-150 new, and you can browse the new-vehicle inventory online before you apply.
What Texas taxes and fees get added to an F-150 loan?
Texas charges motor vehicle sales tax of 6.25 percent of the sales price, minus any trade-in allowance. The Texas Comptroller states that rate on its site, and the sales price is what the tax is figured on.
Registration and title fees come on top of the tax. The TxDMV fee chart effective 2026 lists a $50.75 annual state registration fee for a passenger vehicle or truck of 6,000 pounds or less, plus applicable local county fees. In Harris County the local fee is $11.50. The TxDMV Motor Vehicle Title Manual places Harris County in the $33 title fee group.
Here is a hypothetical example. Every figure below is hypothetical. Suppose a buyer finances a $59,560 Lariat and has a $15,000 trade-in. The tax is figured on $44,560, which comes to $2,785 at 6.25 percent. The registration and title fees add to that before the loan amount is set, so the buyer should ask for the total before signing.
Can Group 1 Ford of Southwest Houston finance a used or certified F-150?
Yes, we offer financing on new and pre-owned Ford vehicles, and our inventory covers new, used and certified pre-owned. Certified pre-owned Fords carry a Ford-backed warranty.
Ford’s certified pre-owned program is Ford Blue Advantage. Its top Gold Certified tier covers Ford models up to 6 years old with less than 80,000 miles that pass a 172-point inspection. The tier adds a 12-month or 12,000-mile Comprehensive Limited Warranty covering more than 1,000 components, plus complimentary 24/7 Ford Roadside Assistance for 7 years and a 14-day/1,000-mile money back guarantee. (Ford Motor Company, Ford Blue Advantage, 2026)
At our store, every certified pre-owned vehicle gets a 172-point inspection by our factory-trained technicians. Each one also comes with a free vehicle history report. Leasing a Ford is available too, alongside new and pre-owned financing.
Where and when can you finish F-150 financing in Southwest Houston?
You can find us at 6445 Southwest Fwy in Houston, TX 77074. Sales is open Monday to Friday 9 AM to 8 PM and Saturday 9 AM to 7 PM, and closed Sunday.
We offer home test drives and deliveries, so you can finish the paperwork and the test drive from home.
Why finance your F-150 at Group 1 Ford of Southwest Houston?
Group 1 Ford of Southwest Houston is at 6445 Southwest Fwy, Houston, TX 77074, and our Google record is 4.3 stars across 4,732 reviews, with 77 in 100 of them five-star. Our sales hours are Monday to Friday 9 AM to 8 PM and Saturday 9 AM to 7 PM, and our service and parts departments are open Monday to Friday 7 AM to 6 PM and Saturday 7 AM to 5 PM.
Start with the online trade-in offer. An offer is valid for seven days or 250 miles, and a trade offer can be received online in minutes. Then apply through our online finance application, so the numbers are set before you visit.
In a May 2026 Google review, Brandon C. wrote: “By far the best experience I have had with a dealership. We have been looking for many years at a new pickup. Have been close several times with other dealerships but each time the dealers lied or tried to sneak extra cost. I found a good deal on their website and they honored that price. My salesman was Lalo and the main finance personnel was Pablo. It was all done remotely as I live 3.5 hours away. We agreed on an out the door price, I put a deposit down, did finance remotely, and rented a one way suv to Houston. Being a Saturday, the only place I could drop a rental off at 6:00 pm was at the airport, so they sent a driver to come pick me up. I still can’t believe the ease of buying a new pickup with them. This was the first time I asked for an out the door price and was given it within 5 minutes through text message. No other dealer has given me this with such ease. Then Lalo went out and took photos and videos and sent to me. Thanks so much Lalo and Pablo for a great experience. My wife loves her new f-150.”
Apply through our online finance application, value your trade online, and bring your documents to 6445 Southwest Fwy. We will set the terms with you before you sign.
Frequently asked questions
Do I need an appointment to talk about F-150 financing in Southwest Houston?
No. Group 1 Ford of Southwest Houston is at 6445 Southwest Fwy, Houston, TX 77074, and sales hours are Monday to Friday 9 AM to 8 PM and Saturday 9 AM to 7 PM.
Can I test drive an F-150 at home before I finance it?
Yes. We offer home test drives and deliveries.
Should I get prequalified before shopping for an F-150?
Yes. Submit an online finance application through the Group 1 Ford of Southwest Houston Financing Portal, or check your credit standing with Ford Credit.
Can I lease an F-150 instead of financing it?
Yes. We offer Ford leases along with new and pre-owned financing.
Does a trade-in reduce the Texas sales tax on an F-150?
Yes. Texas figures the motor vehicle sales tax on the sales price less any trade-in allowance, so a trade-in lowers the taxable amount. The Texas Comptroller’s guide gives an example of a $42,000 vehicle with a $15,000 trade-in. On those figures, the tax is figured on $27,000, which comes to $1,687.50 at 6.25 percent.
What warranty comes with a new F-150 that I should factor into my loan?
The 2026 F-150 carries a 3-year/36,000-mile basic warranty, a 5-year/60,000-mile powertrain warranty and a 5-year/unlimited-mile corrosion warranty.
Can I browse F-150 inventory online before I apply?
Yes. Group 1 Ford of Southwest Houston sells new Ford vehicles, including the F-150, and has an online new-vehicle inventory you can browse before you apply.
Group 1 Ford of Southwest Houston answers this question against the specific vehicle in front of you rather than the model in general. Value your trade and get pre-approved online, then see us at our Houston showroom, or call 281-588-5000.
Disclaimer: Vehicle features, specifications, pricing, options, and availability may vary based on production timelines and dealership inventory; images are for illustrative purposes only. Starting MSRP figures are national and exclude destination freight charges, tax, title, license, and dealer fees. Standard and available equipment varies by trim, configuration, and model year; confirm the specification of the individual vehicle before purchase. Maximum towing and payload ratings depend on cab, bed, drivetrain, and equipment configuration; see the vehicle’s Owner’s Manual and trailering guide for limits. Electric range and charging times vary with battery, configuration, temperature, terrain, load, and driving habits. Safety or driver assistance features are no substitute for the driver’s responsibility to operate the vehicle in a safe manner. Financing and pre-approval are subject to credit approval. Contact Group 1 Ford of Southwest Houston for complete details regarding current vehicle inventory, pricing, and equipment.
