Ford First Time Buyer's Program
Ford Credit First-Time Buyer Program
Your First Ford Starts Here.
Your first car isn't just a vehicle. It's a milestone you'll never forget.
Limited credit history? No problem. This is the moment you've been waiting for, and the Ford Credit First-Time Buyer Program is here to make it happen. Built for people just like you, ready to own their first vehicle even without a long credit trail. Get flexible financing, a low down payment, and bonus cash on select new Fords.
On the Sticker
What You Get
$750
Down payment as low as $750
$50,000
Financing up to $50,000
84 MO.
Terms up to 84 months
$750
$750 Bonus Cash on qualifying new Fords
↓ APR
Potentially lower APR for qualified buyers
↑ CREDIT
A real shot at building your credit history
*Program terms, vehicle eligibility, and offers are subject to Ford Credit approval and current program rules. Contact us for more information.
Pre-Drive Checklist
Sound Like You?
First time buying a car — no auto credit yet
No adverse credit history
6+ months of steady full-time work
$750 ready for your down payment
Income that covers your bills and your new payment
If that's you, you're exactly who this program was made for.
Keep in mind that meeting the program criteria does not guarantee approval. All applications are subject to Ford Credit underwriting and approval requirements.
Mile Zero to Move-In
Your Path to Ownership
1
Pick Your Ford
SUV, truck, sedan, or something in between. Find the one that fits your life.
Explore New Ford Inventory2
Know Your Number
We'll help you build a budget that actually works—payment, insurance, fuel, all of it.
Estimate Your Payment3
Get Approved
Our team walks you through financing step by step. No jargon, no surprises.
Get Pre-Approved4
Ready to Buy Your First Ford?
This isn't just a transaction. It's the start of your story as a car owner. Our team is here to make it simple, honest, and something you feel good about, from your first test drive to your first oil change. Get started today at INSERT DEALERSHIP and drive home happy in your first Ford!
FAQs
The Ford Credit First-Time Buyer Program is designed for qualified customers purchasing their first vehicle with no prior auto credit history. Depending on eligibility and approval, it may offer flexible financing, a low down payment, and bonus cash on qualifying new Ford vehicles.
Not necessarily. The First-Time Buyer Program is built specifically for customers with no prior auto credit history. You'll still need to meet Ford Credit's eligibility and underwriting requirements, and approval isn't guaranteed. Contact us for more information.
Current program guidelines require at least six months of verifiable, current full-time employment. Additional income and credit requirements may apply.
The current Ford Credit First-Time Buyer Program allows qualified customers to finance up to $50,000, subject to vehicle eligibility, credit approval, and Ford Credit underwriting.
Select financing terms of up to 84 months may be available to qualified customers. Your available term depends on your individual application, vehicle, and approval.
Yes. Depending on your credit history and Ford Credit's underwriting guidelines, a co-signer or a higher down payment may be required.
Making consistent, on-time payments can help you establish a positive credit history. Your specific results depend on your individual circumstances and how your account is reported.
*Excludes Super Duty, Diesel vehicles, BEVs, A/X/Z/D and Employee Plan purchases, and Lincoln vehicles.
May not represent actual vehicle. (Options, colors, trim and body style may vary)