First-time Buyer Program

Ford Credit First-Time Buyer Program customer with a Ford Bronco Sport
Credit

First-Time Buyer Program

No prior auto credit?
No problem.

The Ford Credit First-Time Buyer Program is designed to make financing your first vehicle more approachable for qualified buyers.

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Current $750 First-Time Buyer Bonus Cash offer ends 9/30/26.

Low APR

Qualified applicants may be eligible for a lower APR through Ford Credit.

$750 Bonus Cash

Eligible first-time buyers can receive $750 Bonus Cash on qualifying new Ford vehicles.*

No Cosigner

Many qualified first-time buyers may be able to finance without a cosigner.

Low Down Payment

Program options are designed to help make the upfront step more manageable.

Your first Ford starts here

Your First Ride.
Our First Priority.

Buying your first vehicle is a big moment. Power Ford and Ford Credit can help qualified first-time buyers explore financing options, eligible vehicles, and a path that fits their needs—with a team here to explain the process along the way.

First-time Ford buyers standing with an eligible Ford vehicle

Find the one that fits

Eligible Vehicle Options

New Ford Vehicles

Start New

Current First-Time Buyer Bonus Cash is available on select eligible new Ford vehicles.

  • Bronco & Bronco Sport
  • Explorer & F-150
  • Maverick & Ranger
  • Mustang & Mustang Mach-E
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Certified Pre-Owned

More Ways To Buy

The First-Time Buyer Program may also include eligible Ford Blue Advantage Certified Pre-Owned vehicles.

  • Ford Blue Advantage Gold Certified
  • Ford Blue Advantage Blue Certified
  • Vehicle eligibility rules apply
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Power Ford Finance

Built Around You

Your finance options depend on program eligibility, credit history, vehicle selection, and Ford Credit underwriting.

  • Clear next steps
  • Finance-team guidance
  • Options explained before you sign
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How It Works

1

Apply

Complete Power Ford's secure online credit application to get the process started.

2

Choose Your Ford

Explore eligible new Ford and Certified Pre-Owned options that fit your needs.

3

Review Options

Our finance team will review available financing and any qualifying First-Time Buyer benefits.

4

Drive Home

Finalize your purchase or lease and enjoy a pretty great first: your first Ford.

Ready when you are

First Time Is A Big Deal.
We'll Make It Easier.

Start online, explore your options, and let Power Ford help you find the Ford that fits your next chapter.

Low APR for qualified buyers $750 Bonus Cash on eligible new vehicles* No prior automotive credit required Low down payment options
Apply Now Shop New Inventory Shop Certified Pre-Owned

Questions? Call Power Ford at 505-933-7883.

*$750 First-Time Buyer Bonus Cash available to customers with no current automotive history on their credit report and a minimum of 6 months' time with current employer. Credit must be in good standing with a minimum FICO score of 620. Available on the purchase or lease of an eligible new 2025 Ford Bronco, Bronco Sport, and Ranger; 2026–2027 Bronco, Bronco Sport, Explorer, F-150, Maverick, Mustang, Mustang Mach-E, and Ranger only. Not available on all other Ford and Lincoln vehicles including all Raptor and 2026 Bronco Stroppe models. Limit one purchase or lease per eligible buyer. Not all buyers will qualify. Must finance or lease through Ford Credit. May not be used/combined with any Ford private offers or a 90-day deferral. Minimum $750 down payment required. U.S. residents only. Place a new retail order or take new retail delivery from an authorized Ford Dealer's stock by 9/30/26. Program #33248. Offer subject to confirmation of eligibility. A cosigner or higher down payment may be required based on credit history and underwriting guidelines. See Power Ford for qualifications and complete details.

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Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title, and license charges. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week.

Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Taxes, license, registration fees, and $499 dealer transfer service fee are additional. New Ford vehicles come equipped with Dealer-installed options listed on the dealer vehicle addendum for a cost of $2,499, which is not included in the Power Price; those options are Premium Window Film for $597, one-year Exterior Protection for $699, one-year Nitrogen Tire Protection for $599, and one-year Theft Deterrent System for $604. Financing is subject to lender approval. See dealer for more details ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request.