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Ford Credit Overview

Ford Credit, officially known as Ford Motor Credit Company, is an automotive finance business that was founded in 1959. The company serves Ford customers by offering financing at over 5,000 dealers. Ford Credit is a subsidiary of Ford Motor Company, a global enterprise headquartered in Dearborn, Michigan, with over $224 billion in assets.

How Do Ford Credit’s Auto Loans Work?

Ford Credit offers loans for financing a new, used or certified pre-owned purchase at a Ford dealer. Additionally, loans are available for leasing a new vehicle or purchasing your leased vehicle from a Ford dealer. Ford Credit also offers vehicle protection add-ons including GAP coverage and extended service plans.

What Are the Rates for Ford Credit’s Auto Loans?

Ford Credit offers low rates starting at 1.9% APR.

How Much Money Can I Borrow for Ford Credit Auto Loans?

The amount of money you can borrow depends on the vehicle and your creditworthiness.

What Is Ford Credit’s Application Process Like?

For a loan through Ford Credit, you can apply online, by phone or in person at a Ford dealer. When applying online, you’ll receive a decision within minutes. Then, you can use that information when you go to your local dealer. If you choose to work directly with a Ford dealer for financing, you may be eligible for additional benefits including reduced finance rates, vehicle incentives and even cash back.

How Are Ford Credit’s Auto Loans Better than Other Auto Loans?

- If you’re shopping at a Ford dealer, Ford Credit makes financing easy.

- Ford Credit offers loans for both new and used purchases as well as leases.

- Ford Credit is available at thousands of Ford dealerships around the world.

  • Payment Options
  • APR
    Starting at 1.9%
  • Max Loan Term (Months)
    72
  • Credit Score Range
    650 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
    18
  • Supported Income Types
  • Verification Documents Required?
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • Institution Type
    Other
  • Approval Speed (Hours)
    1
  • Deferred Payments
  • Funding Time Range (in days)
    Up to 1
  • Joint Loans Available
  • Credit Bureau Reporting
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