Ford First-Time Buyer Program
Make Your First Vehicle Purchase With Confidence
Buying your first vehicle is a major milestone. If you have limited or no previous auto credit, the Ford Credit First-Time Buyer Program may provide financing options designed with first-time buyers in mind.
Eligible customers may qualify for flexible terms, low down payment options, bonus cash and other Ford Credit benefits.
First-Time Buyer Program Benefits
Financing Designed for First-Time Buyers
Eligible applicants may qualify for a lower APR, flexible financing terms and low down payment options.
$750 Bonus Cash on New Ford Vehicles
Eligible customers can receive $750 Bonus Cash when financing a new Ford vehicle through Ford Credit. This may be combined with active programs or offers. Ford Credit financing is required, and not all buyers will qualify.
New and Certified Pre-Owned Options
Eligible customers can finance new or Certified Pre-Owned Ford vehicles, giving you more options to find the right vehicle for your needs and budget.
Finance Up to $50,000
The program allows eligible customers to finance up to $50,000, providing more flexibility when shopping for an eligible Ford vehicle.
Terms Up to 84 Months
Qualified buyers may select financing terms of up to 84 months, along with low down payment options to help fit the purchase within their budget.
Who Is Eligible?
Applicants must meet the following requirements:
- No prior auto credit history and no adverse credit history
- At least 6 months of verifiable current full-time employment
- A down payment of $750 or more
Additional documentation may be required. A co-signer or higher down payment may also be required based on credit history and underwriting guidelines. Program availability and terms are subject to eligibility.
Prepare for Your First Vehicle Purchase
Start by determining what fits comfortably within your budget, including the vehicle payment, insurance, fuel or charging, maintenance and registration.
Use our payment calculator to estimate your monthly payment and understand your potential purchasing power.
Prequalify Before You Shop
Prequalifying can help you understand your potential financing options before shopping. Ford states that prequalification has zero impact on your credit score.
Prequalifying can help you:
- Focus on vehicles within your budget
- Shop with more confidence
- Save time during the financing process
We're Here to Help
Our Metro Ford team can help you understand the First-Time Buyer Program, review eligibility requirements and explore available Ford vehicles and financing options.
Ready to get started? Contact our team to learn more about the Ford Credit First-Time Buyer Program.