Ford Finance Specials

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First Time Buyer

A little friendly advice.

Don't panic, even if you have no previous vehicle buying experience, our First-Time Buyer Program can give you the opportunity to enjoy a new Ford vehicle of your own.

FMCC First Time Buyer Program

Customer Eligibility

  • Applicant has no previous automotive credit history on his/her bureau
  • No derogatory credit history found on bureau
  • Minimum verifiable 6 months on current job or qualified co-buyer
  • Verifiable (pay stub, W-2, etc.) monthly income suffiecient to cover vehicle payment, ordinary living expenses (including rent, utilities, etc) and all currently outstanding debt, if any.
  • Payment to income ratio of 15% or less
  • In order to qualify for this program there is a payment cap of $350/month - If customer's payment is over $350.00 they will not qualify for the FTB program.
  • Tier 5 is not eligible
  • Term is not to exceeed 72-months retail, 48 month lease
  • Total monthly debt to total monthly income ratio of 50% or less. Total monthly debt includes, if applicable:
    • Monthly vehicle payment
    • Monthly rent or mortgage payment
    • Other monthly payment obligations (installment loans, revolving loans, alimony or support payments, etc.)
    • Minimum $500 customer cash down
    • Maximum advance 100% of dealer invoice
    • All criteria must be met in order to qualify

We make it easy to get up to speed.

Buying a car is one of the most important financial decisions you'll ever make. That decision gets even bigger when you've never done it before. But here's the good news: we've put everything you need right here. You'll find answers to all your questions, as well as helpful tips to make your vehicle purchase a smooth experience. Our goal is to get you into the vehicle – and finance option- that's right for you. See your Ford Dealer for additional details on eligibility.