First-Time Buyer Program Highlights
Build Credit with Confidence
Discover a dependable way to build your credit as a first-time car buyer, even if you have a limited credit history.
First-Time Buyer Incentives
Access exclusive Ford Credit offers, like bonus cash and a lower APR.
Support at Every Step
Move forward with a buying journey that’s backed by award-winning customer service and post-purchase support.
What is the First-Time Buyer Program?
Buying your first vehicle can feel like a big step. Our First-Time Buyer program helps eligible buyers move forward with confidence, including those with limited credit history. It offers flexible financing terms, low down payments, and bonus cash toward a new vehicle.
Program Details
If you’ve never bought a vehicle before, Ford Credit wants to make that process as easy as possible:
- Choose from new and Certified Pre-Owned Ford vehicles to find what works for you
- Make financing more approachable — qualified applicants may be eligible for a lower APR
- Receive $750 Bonus Cash on new Ford vehicles*, which can be combined with active programs or offers
- Finance up to $50,000, giving you more room to explore eligible Ford vehicles
- Select flexible terms up to 84 months with low down payment options to fit your monthly budget**
Program Eligibility
To be eligible for the First-Time Buyer program, applicants need:
- 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**
We can help confirm your eligibility and walk you through available program details. Additional documentation may be required.
*Ford Credit Bonus Cash requires Ford Credit financing. Not all buyers will qualify.
**A co-signer or higher down payment may be required based on credit history and underwriting guidelines. See dealer for qualifications and complete details.
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