First Time Buyer

Vehicles financed or leased through the Ford First-Time Buyer Program must be used for personal use only. Business or commercial use is not permitted under this pilot.

The program is a limited-time pilot that runs from November 20, 2025 through March 31, 2026. During this period, qualifying first-time buyers can apply through Ford Credit when purchasing or leasing an eligible vehicle.

Eligible customers may receive a customer rate benefit up to the maximum Tier 2 rate. This benefit can apply to standard rates or specially supported (subvened) offers available at the time of purchase or lease.

For this program, eligible first-time buyers generally have no prior auto tradelines, no major derogatory credit (such as prior charge-offs, bankruptcy, or current serious delinquencies), and must be able to provide proof of income and proof of residence at the time of the credit offering. A minimum of six consecutive months with the same employer is also required to meet the time-on-job guideline.

For new vehicles, model eligibility under this pilot includes select 2025–2026 model year Ford vehicles: Bronco Sport, Escape, Maverick, Mustang Mach-E, and Ranger.

For Certified Pre-Owned vehicles, eligible Ford models include Bronco Sport, Edge, Escape, Maverick, Mustang Mach-E, and Ranger under the Ford Blue Advantage (FBA) program. In addition, the Lincoln Corsair is eligible as a Lincoln Certified Pre-Owned vehicle.

The program is available on several Ford Credit products: traditional Retail financing up to 72 months, Flex Buy® up to 36 months for new vehicles, and lease options up to 36 months for new vehicles. This gives you flexibility to choose between owning your vehicle, using a flexible payment structure on a new model, or leasing a new Ford for a set term.

To help keep payments manageable, the program includes a maximum payment-to-income guideline of 22%. This means your monthly vehicle payment should not exceed 22% of your verified monthly income when using this program.

The program allows up to a 100% advance before any optional add-ons. In practical terms, this means Ford Credit can finance up to the full amount of the vehicle’s price before additional products such as protection packages, accessories, or extended service plans are added.

The Ford First-Time Buyer Program requires a minimum customer cash down payment of $1,000. This amount must be your own cash contribution and does not include any manufacturer rebates, dealer discounts, or trade-in equity, which may be applied in addition to your minimum down payment.

This pilot is available for credit tiers 0 through 4, with a minimum FICO score requirement of 640. Your specific tier and the rate you receive are determined during the credit application and approval process with Ford Credit.

Meeting the program’s eligibility guidelines does not guarantee credit approval. All applications are subject to review and final approval by Ford Credit based on your full credit profile and overall risk assessment.

Transactions using the First-Time Buyer Program are not eligible for certain other Ford Credit programs, including 90-day deferred payment programs, CSPP programs, and FELP programs. Your dealer can confirm which promotions can or cannot be combined with this pilot.

Additional First-Time Buyer incentives may be available to qualified customers. These incentives are managed through Ford’s Smart VINCENT system and can vary based on timing and location. Ask your dealer to check Smart VINCENT for any current First-Time Buyer incentives you may qualify for.