Ford Credit First-Time Buyer Program

Your First Vehicle. Your Next Adventure.

Financing your first vehicle is a big step. At Frontier Ford, we're here to make it easier. The Ford Credit First-Time Buyer Program helps qualified shoppers with no previous auto financing history explore eligible Ford vehicles, competitive financing and flexible payment terms.

A First-Time Buyer Program Built Around You

Qualified applicants may receive:

  • Competitive financing: Eligible first-time buyers may qualify for a lower APR through Ford Credit.
  • Flexible terms: Financing terms up to 84 months on eligible new and certified pre-owned vehicles, subject to approval.
  • A low minimum cash down payment: Program participation requires at least $750 in customer cash down. Additional money down may be required.
  • Financing up to $50,000: Subject to vehicle eligibility and credit approval.
  • $750 bonus cash on eligible new Ford vehicles: Requires Ford Credit financing and an active qualifying offer.*

Find the Ford That Fits Your Life

Eligible new models include the Ford Bronco, Bronco Sport, Escape, Explorer, F-150, F-150 Lightning, Maverick, Mustang, Mustang Mach-E and Ranger.

Prefer a certified pre-owned vehicle? Eligible Ford Blue Advantage Gold and Blue Certified vehicles may also qualify. The program covers eligible certified vehicles from the current model year through five years old.

Frequently Asked Questions

The program is designed for applicants with no prior auto credit accounts. Program guidelines require a minimum FICO score of 620, at least six months of verifiable current full-time employment and no prior repossession, charge-off or bankruptcy. Meeting these requirements does not guarantee approval.

Ford offers $750 in First-Time Buyer bonus cash on eligible new vehicles financed through Ford Credit when the qualifying offer is active. Vehicle eligibility and offers can change, so ask our team to confirm availability.*

Certain qualified applicants may receive a rate concession to Ford Credit’s Tier 1 financing rate. Your actual APR depends on approval, the vehicle and available financing programs.

At least $750 in customer cash is required. Rebates and trade-in equity do not count toward that minimum. A higher down payment may be required based on your credit history and underwriting guidelines.

Proof of income is required upfront for certain applicants. Ford Credit may also request proof of income, proof of residence or other documentation based on your application.

A co-signer is not automatically required. One may be required based on your credit history and underwriting guidelines.

Yes. Eligible Ford Blue Advantage certified pre-owned vehicles may qualify. The $750 First-Time Buyer bonus cash applies only to eligible new vehicles.

It may be combined with eligible active offers, subject to program rules. The First-Time Buyer Program is not compatible with the 90-day deferred-payment program.

Take the First Step

Our team can help you choose an eligible vehicle, review current offers and understand what you'll need to apply.



*Subject to Ford Credit approval. Not all buyers will qualify. Standard underwriting guidelines apply. Vehicles must be for personal use; limit one vehicle per customer. Maximum terms vary by financing product and vehicle. A co-signer, additional documentation or higher down payment may be required. $750 First-Time Buyer bonus cash requires Ford Credit financing on an eligible new vehicle and an active qualifying offer. Program terms, eligible vehicles and incentives are subject to change. See dealer for qualifications, current offers and complete details.