Ford First Time Buyer Program
Get Behind the Wheel
There’s nothing quite like the day you drive off in your very first car. At RC Lacy Ford, we know that getting there can feel out of reach if your credit history is still building—that’s exactly why the Ford Credit First-Time Buyer Program exists. It’s designed to help first-time buyers like you get approved with confidence, offering flexible financing, a low down payment, and bonus cash on select new Ford vehicles. Learn more today and reach out to our team at RC Lacy Ford to get started!
Your Benefits
- Down payment as low as $750
- Financing up to $50,000
- Terms up to 84 months
- $750 Bonus Cash on qualifying new Fords
- Potentially lower APR for qualified buyers
- A real shot at building your credit history
*Program terms, vehicle eligibility, and offers are subject to Ford Credit approval and current program rules. Contact us for more information.
Sound Like You?
- First time buying a car — no auto credit yet
- No adverse credit history
- 6+ months of steady full-time work
- $750 ready for your down payment
- Income that covers your bills and your new payment
Keep in mind that meeting the program criteria does not guarantee approval. All applications are subject to Ford Credit underwriting and approval requirements.
Your Path to Ownership
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Pick Your Ford
SUV, truck, sedan, or something in between. Find the one that fits your life.
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Know Your Number
We’ll help you build a budget that actually works—payment, insurance, fuel, all of it.
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Get Approved
Our team walks you through financing step by step. No jargon, no surprises.
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Drive Off Happy
Sign, celebrate, and head home in your first Ford!
Ready to Buy Your First Ford?
This isn’t just a transaction. It’s the start of your story as a car owner. Our team is here to make it simple, honest, and something you feel good about, from your first test drive to your first oil change. Get started today at RC Lacy Ford and drive home happy in your first Ford!
Ford First-Time Buyer Program FAQs
What is the Ford First-Time Buyer Program?
The Ford Credit First-Time Buyer Program is designed for qualified customers purchasing their first vehicle with no prior auto credit history. Depending on eligibility and approval, it may offer flexible financing, a low down payment, and bonus cash on qualifying new Ford vehicles.
Do I need established credit to buy my first Ford?
Not necessarily. The First-Time Buyer Program is built specifically for customers with no prior auto credit history. You’ll still need to meet Ford Credit’s eligibility and underwriting requirements, and approval isn’t guaranteed. Contact us for more information.
What are the employment requirements?
Current program guidelines require at least six months of verifiable, current full-time employment. Additional income and credit requirements may apply.
How much can I finance?
The current Ford Credit First-Time Buyer Program allows qualified customers to finance up to $50,000, subject to vehicle eligibility, credit approval, and Ford Credit underwriting.
Can I choose a longer financing term?
Select financing terms of up to 84 months may be available to qualified customers. Your available term depends on your individual application, vehicle, and approval.
Can a co-signer be required?
Yes. Depending on your credit history and Ford Credit’s underwriting guidelines, a co-signer or a higher down payment may be required.
Does buying my first Ford help build credit?
Making consistent, on-time payments can help you establish a positive credit history. Your specific results depend on your individual circumstances and how your account is reported.
*Excludes Super Duty, Diesel vehicles, BEVs, A/X/Z/D and Employee Plan purchases, and Lincoln vehicles.