Get a clear, simple path to buy your next car. Ford Motor Credit Company LLC, doing business as Ford Credit, has backed Ford buyers since 1959. You can start online, get pre-approved, and finish at a dealership with confidence.
You benefit from decades of expertise from the finance arm of Ford Motor Company. That experience helps dealers and buyers through ups and downs in the economy.
Learn which option fits you best—standard purchase financing, leasing, or Flex Buy—before you visit the showroom. You’ll also see how terms, promotional rates, and your credit profile affect monthly payments.
Apply online today to confirm your buying power, bring trade-in details, and streamline the in‑store signing. The process turns a complex finance decision into a step-by-step plan you can follow with ease.
Key Takeaways
- You can start with online pre-approval and finish at the dealership.
- Ford Motor Credit offers programs made for Ford and Lincoln buyers.
- Consistent purchasing policies mean more predictable approvals and terms.
- Compare financing, leasing, and Flex Buy to find your best fit.
- Promotional rates and term length drive your monthly payment.
- Bring trade-in and payoff info to lower the financed amount.
Why Choose Ford Credit for Your Next Car Financing
Choose a finance partner built into the automaker to make buying simpler and more predictable. Ford Credit is Ford Motor Company’s finance arm, established in 1959 in Dearborn, Michigan, and designed to support Ford and Lincoln buyers.
Backed by Ford Motor Company
Stable support matters. Being part of the manufacturer means systems and underwriting are purpose-built for Ford vehicles and Lincoln models. That integration speeds approvals and reduces paperwork at the dealership.
Competitive programs and consistent policies
You get competitive rate programs and broad purchasing policies that help standardize approvals across many plans. That makes it easier to compare financing and lease options and pick a plan that fits your budget.
Support through market cycles
Ford Credit funds dealer inventory and retail contracts even when markets change. So dealerships can keep vehicles available, and you can expect steady service and clear guidance from finance specialists.
- Integrated finance for faster dealership processing.
- Competitive rates and lease options for different driving needs.
- Reliable dealer support that helps with availability and delivery.
auto-loan-ford-credit: Get Pre-Approved Online and Know Your Buying Power
Get a quick pre-approval online so you know which vehicles fit your budget before you shop. Starting online helps you estimate monthly payments, compare available offers, and learn likely terms before you step into the dealership.
Fast, online pre-approval today: check your budget, terms, and payments before you visit the dealership
You start with a short application that yields a fast decision. That pre-approval shows estimated rate ranges and projected payments. You can then adjust down payment or term to hit a target monthly payment.
Current financing landscape: promotional offers, potential 0% APR incentives, and available 84-month terms
Many promotions include special APR offers. At times, dealers list 0% APR incentives for select new car models. Extended 84-month financing appears on some vehicles, lowering monthly payments but increasing total interest over time.
- Compare promotional rates to see true cost differences.
- Use your pre-approval to streamline the in-dealership process.
- Ask questions about early payoff, refinancing, and any conditional terms before signing.
Finance or Lease a New Ford: Plans, Terms, and Dealer-Backed Options
Your choice of plan shapes how you use and pay for a new Ford over the next several years. Read the short summaries below to match financing to your goals at the dealership.
Ford finance basics
Standard Purchase is available for new, used, and certified pre-owned vehicles. It gives you ownership and the freedom to customize your car. A purchase loan sets monthly payments based on down payment, APR, and term.
Leasing made simple
Consider Red Carpet lease choices with multiple mileage options to fit your driving. The Advance Payment Program lets you pay fees up front to reduce monthly amounts and make budgeting easier.
Flex Buy and payment relief
Flex Buy offers lower payments early in the contract on eligible new Ford models. If life events occur, Ford Motor Credit may provide payment flexibility or relief to help keep you on track.
Refinancing and trade-in readiness
You can refinance later if rates drop or your credit improves. Bring trade-in details and any existing payoff to the dealer so they can factor value into your new purchase or loan.
- Compare total cost of a loan versus a lease to pick the best option.
- Ask the dealer to run payment scenarios for different terms and down payments.
- Confirm early payoff rules and any fees in your contract before you sign.
Conclusion
Secure a clear path to drive off in your new car by finishing the online pre-approval and bringing your documents to the dealership.
Trust the team, and ask direct questions about rate, term, and payment options so you pick the loan or lease that fits your budget.
Ford Credit and Ford Motor Credit back programs designed for Ford and Lincoln buyers. The dealership team will walk you through the process, verify trade-in value, and answer any remaining questions.
Apply online, prepare your paperwork, and work with the team to finalize financing. You’ll leave confident in your payment plan and supported by a motor company finance partner since 1959.
FAQ
What is Ford Credit and how does it help me finance a new Ford?
Ford Credit is the financing arm of Ford Motor Company that provides loans and lease plans for new and used Ford vehicles. You can use their programs to spread purchase costs over time, choose lease terms, or access dealer-backed promotions. This gives you flexible payment options and competitive rates when you buy at a Ford dealership.
How do I get pre-approved online and why should I do it before visiting a dealer?
You can get pre-approved online through Ford Credit’s digital application to estimate your buying power, monthly payments, and likely rates. Pre-approval speeds up the purchase process at the dealership, helps you negotiate from a position of knowledge, and shows dealers you’re a serious buyer.
Can I qualify for promotional rates like 0% APR or extended terms?
Promotional offers such as 0% APR or 84-month terms are available at times and depend on model, creditworthiness, and current Ford finance programs. Check current incentives online or at your dealer to see eligible vehicles and rate qualifications.
What’s the difference between financing and leasing with Ford Credit?
Financing means you take a loan to buy the vehicle and own it when the loan ends. Leasing lets you pay for vehicle use over a set term and return it or buy it at lease-end. Leasing often gives lower monthly payments, while buying builds equity in the vehicle.
What is the Red Carpet Lease and who should consider it?
The Red Carpet Lease is Ford’s leasing program that offers flexible mileage options and straightforward end-of-term processes. It’s a good choice if you prefer lower monthly payments, like driving a new vehicle every few years, and want predictable lease-end options.
How does Ford Credit support customers during unexpected life events or payment hardship?
Ford Credit offers payment assistance options and may provide temporary relief or modified payment plans depending on your situation. Contact Ford Credit or your dealer finance team as soon as possible to discuss available options and documentation needed.
Can I refinance my existing Ford loan through Ford Credit or a dealership?
Yes, you can explore refinancing with Ford Credit or third-party lenders to potentially lower your rate or change terms. Refinancing depends on your credit profile, vehicle age, and remaining balance. Discuss payoff details with your current lender before switching.
How does trading in my current vehicle affect my financing or lease deal?
A trade-in can reduce the amount you need to finance or cover a lease payoff. Dealers will appraise your vehicle and apply its value toward the new purchase or lease. Ensure you understand any remaining loan balance and how negative equity might impact your new terms.
What documents and credit information should I bring to finalize a Ford purchase or lease?
Bring your driver’s license, proof of insurance, proof of income (pay stubs or tax returns), proof of residence, and recent bank statements. If you have a trade-in, bring the title or payoff information. Having these ready speeds up approval and closing.
How are monthly payments calculated and what affects my rate and term?
Payments depend on the vehicle price, down payment, trade-in value, interest rate, and loan or lease term. Your credit score, income, and debt-to-income ratio influence the interest rate you’re offered. A larger down payment or shorter term typically lowers total interest paid.
Are certified pre-owned Ford vehicles eligible for Ford Credit financing or special offers?
Yes, certified pre-owned Ford vehicles often qualify for specific finance programs and extended warranty options. These offers vary by time and location, so ask your dealer or check online for current CPO incentives and rate availability.
Where can I learn about current offers, rates, and dealer incentives?
Visit the official Ford website, the Ford Credit pages, or contact local Ford dealerships to view current financing offers and incentives. Dealers can explain manufacturer promotions, local rebates, and how they impact your monthly payment and terms.
What if I want to buy a used vehicle from a private seller—can I still use Ford Credit?
Ford Credit typically finances purchases made through authorized dealers. If you’re buying from a private seller, check with Ford Credit and local lenders about eligibility. Many lenders require dealer paperwork and vehicle inspections for loan approval.
How quickly can I complete financing and drive away in my new Ford?
If you’re pre-approved and have required documents ready, financing and paperwork can often be completed the same day. Timelines depend on dealer processes, vehicle availability, and whether additional approvals or verifications are needed.
Who do I contact for questions about my Ford finance account or to request account changes?
Contact Ford Motor Credit customer service directly or reach out to the finance office at your selling dealership. They can help with account inquiries, payment options, payoff quotes, and requests for hardship assistance.
