Ford Credit: Financing that’s Engineered Around You

Ford Credit brings convenience, transparency, and trusted support to your auto financing experience.

Financing a car is a big step—especially when you’re building your credit or getting settled in a new country. Ford Credit helps simplify that step by offering direct financing from the same company that builds your vehicle, so you get seamless service and customized support.

This guide explains why Ford Credit could be a great fit for your financing needs, what you should prepare before applying, and how to go through the auto loan or lease process confidently—whether you’re buying your first Ford or upgrading your current ride.*

Why Choose Ford Credit Auto Loans?

• Exclusive financing offers for Ford vehicles, including low APR and cash-back deals.
• Streamlined process through Ford dealerships nationwide.
• Prequalification available online with no impact to your credit score.
• Programs for first-time buyers, college graduates, and loyal Ford owners.
• End-of-lease flexibility, including purchase and renewal options.
• Online tools to manage payments, view account details, and more.
• Backed by a legacy of customer trust and manufacturer alignment.

Why Consider Auto Financing?

• Makes owning a dependable Ford more affordable with monthly payments.
• Preserves your savings for other priorities or emergencies.
• Helps you build or improve credit with consistent, on-time payments.
• Allows you to lease or buy depending on your lifestyle and goals.
• Gives you access to manufacturer offers not available through third parties.
• Provides a one-stop experience for financing, purchasing, and servicing.

What to Know Before Applying

• Decide whether leasing or purchasing better fits your needs.
• Know your credit score, income, and monthly budget range.
• Have documents ready: valid ID, proof of income, and address.
• Ask about Ford’s current financing incentives or loyalty programs.
• Leasing includes mileage limits and wear-and-tear guidelines—understand them upfront.
• Consider a down payment—it can reduce your monthly cost.
• Use Ford Credit’s online tools to estimate payments before applying.

How to Apply for a Loan or Lease with Ford Credit

1. Visit a participating Ford dealership or go to FordCredit.com.
2. Choose your vehicle and decide whether to lease or finance.
3. Complete the credit application with your financial and personal information.
4. Submit required documents for income and ID verification.
5. Review your financing or lease terms, including APR and contract length.
6. Sign your agreement at the dealership or digitally if available.
7. Take delivery of your new or certified pre-owned Ford.
8. Manage your payments online or via the Ford Credit mobile app.

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