First-Time Jitters, Meet First-Time Buyer Program

The Ford Credit First-Time Buyer Program helps applicants get into the Ford they want. With a low Annual Percentage Rate and $750 in bonus cash, you can feel more confident financing your first vehicle.

Key Benefits:

• Top-Tier Rates: Qualify for a Max Tier 1 financing rate.
• Low Down Payment: Requires a minimum customer down payment of just $750.
• No Auto Credit Required: Approvals are available even if you have zero prior auto tradelines.

Eligibility Requirements:

• Credit Score: Minimum 620 Fair Isaac Corporation (FICO) score.
• Income & Employment: Minimum 6 months at your current job. Upfront proof of income (POI) is required for Tiers 3-4. Maximum 22% Payment-To-Income (PTI) ratio.
• Credit History: You must have no prior repossessions, charge-offs, or bankruptcies.

Key Benefits:

• 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.

Which Vehicles are Eligible?

• Eligible New Ford Models: Bronco, Bronco Sport, Escape, Explorer, F-150, F-150 Lightning, Maverick, Mustang, Mach-E, and Ranger.
• Eligible Certified Pre-Owned (Used) Vehicles: Ford Blue Advantage (FBA) Gold/Blue (Current model year up to 5 years old).

Financing Terms & Limitations

• Contract Lengths: New Retail (up to 84 months), Flex Buy (66 months), Lease (36 months), Ford Blue Advantage (FBA)/Certified Pre-Owned (up to 84 months, Retail Only).
• Maximum Advance: Up to 105% Loan-to-Value (LTV) or a $50,000 maximum amount financed.
• Usage Restrictions: Limit of one vehicle per customer. Vehicles are for personal use only.
• Exclusions: Not compatible with 90-day deferred payment promotions. $750 customer bonus cash is on new vehicles only. Excludes all Raptor models, high-performance, specialty, and limited-edition models.

$750 First-Time Buyer Bonus Cash requires Ford Credit financing and is available to customers with no current automotive history on their credit report and a minimum of 6 months’ time with current employer. Credit must be in good standing with a minimum Fair Isaac Corporation (FICO) score of 620. Available on the purchase or lease of an eligible new Ford Bronco, Bronco Sport, Escape, Explorer, F-150, F-150 Lightning, Maverick, Mustang, Mustang Mach-E, and Ranger. Excludes all Raptor models, high-performance, specialty, and limited-edition models. Personal-use vehicles only; commercial and business-use vehicles are not eligible. Limit 1 vehicle per customer. Not compatible with 90-day deferred payment programs. Not all buyers will qualify. Minimum $750 down payment required. See dealer for complete details. Take delivery by 9/30/2026.