Auto Loans
1 more
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -57
Strongly not recommended56 total votes
Explore a similar product
Try this top product in Auto Loans
Consumers CU Auto Loan
Strongly recommended8 reviews
Community Recommended Products
View AllSponsored
Strongly recommended8 Reviews
Learn MoreSponsored
Strongly recommended10 Reviews
Learn MoreSponsored
Mostly recommended7 Reviews
Learn MoreGet Competing Auto Loan Offers
Compare auto loan offers from multiple vetted lenders.
Discover your lowest eligible rate in minutes.
See how much you qualify for and what your monthly payment will be.
Get Personalized Rates
It's quick, easy, and won't hurt your credit score.
Highlights
Community Rating
Strongly not recommended
Amount Range
Starting at $7,500
APR (Fixed APR)
Starting at 0%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Loan Term (Months)
Up to 72
Number of Reviews
Ford Credit Review
Ford Credit is offered by Ford Credit, a financial services company founded in 1959 and based in Omaha, NE. Ford credit are available in 50 states.
Ford credit FAQ
How much can you borrow via Ford credit?
Ford credit loan amounts start at $7,500 .
What APR does Ford credit offer on its car loans?
Ford credit offers a fixed apr car loan product that ranges from 0% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Ford credit?
Ford credit has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Ford credit charge an origination fee?
Yes, Ford credit may charge a loan origination fee .
Does Ford credit charge a late fee?
Yes, Ford credit charges borrowers with a late payment penalty fee
Does Ford credit charge prepayment fees?
No, Ford credit will not charge you a fee for paying your loan early. Whenever possible choose lenders like Ford credit that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Ford credit loan?
Yes, you can. Ford credit does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Ford Credit?
Applicants with a credit score of at least 650 and up to 850 may be eligible for Ford Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Ford Credit does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Ford credit?
Ford credit will typically fund the car loan within 1 business day.Does Ford Credit perform a hard credit pull?
Yes, Ford credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Ford Credit a legit company?
Ford Credit was founded in 1959, it is a well-established company that has been in business for 67 years. Ford Credit is strongly not recommended by SuperMoney community users.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Ford credit
Other Services by Ford Credit
Community Recommended Products
View AllSponsored
Strongly recommended8 Reviews
Learn MoreSponsored
Strongly recommended10 Reviews
Learn MoreSponsored
Mostly recommended7 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -57, or 1.9 on a 5-point rating scale.
-57
-1000+100
No one recommends
Everyone recommends
Ford Credit Community Reviews
Would you recommend Ford Credit to your friends?
Sara V.
Dec 5, 2023
May or may not recommend
Beware of auto payments not actually getting set up, and them screwing you over because of it.
Wrote a letter and called and got absolutely nowhere. Got a letter back from "Jeanine" and it was incredibly rude and unhelpful.
YH
Yossi H.
Mar 1, 2023
May or may not recommend
The worst experience I ever had,no way to contact them,I purchased a car with financing 4years ago,I returned the car after 2months because i couldn’t continue to pay,today 4 years after the report to the credit as repossession
The account is closed with 0balance for almost 4 years
RL
Rich L.
Dec 23, 2022
May or may not recommend
I used to be a loyal FORD ONLY customer- never shopped anywhere else for years.
In July of 2009 I suffered a fall off of a roof and was severely injured. At the time I was a self employed Builder. I required multipole surgeries and was not able to work and tole by my surgeon I would never use my right arm again. I struggled during the recession in 2008 as ...Show More
U
Anonymous
Sep 3, 2021
May or may not recommend
I have had excellent experience with Ford Motor Credit. I was able to finance a 2020 Escape for 72 months for 3.9% interest rate with a credit score of just over 600. I will probably use them again.
Smith W.
Jul 13, 2021
May or may not recommend
They are lying scum. We financed a Ford Escape in 2016 and have never missed a payment. Our last payment was 11 July of this year and when we reviewed our account, it indicated that we still owed Ford 13 CENTS due by 22 July. We cannot obtain clear title until this ridiculous amount is paid. Our Escape has been a great car but the clowns at Ford Credit have ...Show More
U
Anonymous
Feb 20, 2021
May or may not recommend
Absolutely would recommend for leasing. I have had 3 back to back 3-year leases and have never spoken to anyone at Ford Credit. I don’t understand why anyone would need to. My payment is the same amount due on the same day every month. I pay it by bank draft, paid the late fee the 1 or 2 times it’s slipped my mind and move on with my life. The ...Show More
U
Anonymous
Nov 15, 2020
May or may not recommend
Have used Ford Credit for 30 plus years and never had a problem. Yes you can trade you Ford in another car make if you still owe on it. Many people don't read the fine print, there is a disposition fee if you turn in your lease and either don't buy it or purchase or lease another new Ford. Most all leases are this way. No they don't pay you ...Show More
LB
Laura B.
Sep 15, 2020
May or may not recommend
They do not pay back for miles under your lease term that you paid for. They charge you a disposition fee of 400 + Tax at the end of your lease. Rude Customer Service people on the phone. Will never buy or lease a Ford again. Leased for 10 years with them and never had these issues before until this last lease.
U
Anonymous
Aug 7, 2020
May or may not recommend
Ade, is the Supervisors name. Totally, not helpful at all. Gave me the run around. The contract is with Ford Credit but he tells me that it is an "indirect" contract therefore he can not help me. He hung up on me.
TH
Thomas H.
Jun 19, 2020
May or may not recommend
It is amazing they during the pandemic they are offering 0 payments for 6 months or 0 percent financing to qualified buyers. But to people who have been with them for 8 years like myself they give a 2 month reprieve and them tell you to go to hell.
Clinton S.
Mar 22, 2020
May or may not recommend
Been looking into it, but some information above is misleading. There is NO prepayment penalty.
ford(DOT)com/finance/articles/prepayments
PR
Paul R.
Mar 17, 2020
May or may not recommend
They SUCK!!! CONTINUE TO SCAR YOUR CREDIT EVEN AFTER A BANKRUPTCY! I'm going to sue their ass!
Courtney D.
Feb 22, 2020
May or may not recommend
I paid off my car 3 years ago...THREE YEARS!!!! I go to the DMV to get a duplicate title, honestly thinking maybe I lost it or something...only to come to find out I never actually received it, because it is apparently sent "electronically"...kicker here though, I was told there is still a lien in Ford's name...again I paid off my car now 3 YEARS AGO...lovely...now I'm in a rabbit hole ...Show More
JE
Jill E.
Dec 31, 2019
May or may not recommend
Ford Credit is too aggressive and sexist when you call to speak to customer service.
When females spoke on phone had no problem talking about situation .....if you speak with male they are very offensive and completely rude. I put the call on speaker phone with my son in room and suddenly the man ....changed his tone and behavior.
AF
Arlene F.
Sep 23, 2019
May or may not recommend
After a mix up of VIN numbers from both my insurance co and Ford Motor credit, I am STILL "fixing" Fords NUMEROUS screw ups 5 months later! I just received a call TODAY about a refund check that they issued to me in APRIL Inquiring as to when I was going to pay THEM back for THEIR mess up?!?!? When I told them that this is the first I have ...Show More
JB
Jason B.
Sep 3, 2019
May or may not recommend
Mother has declined in her health, reported to Ford CS and they gave me instructions to follow and well they did the complete Opposite and now I have to talk to another department, and anything that FORD CS told me to do, is NULL and VOID! After 33 years, they can take it and shove it!
Sandeep R.
Sep 2, 2019
May or may not recommend
Treatment after giving the loan is worse, you cant find the contact no and when you dial they never pick the phone. They dont reply on the email, i have trying for a week and still no clue how to get it.
Keith R.
Aug 22, 2019
May or may not recommend
My wife and I got out of our lease early. The Ford motor credit did what amounts to credit assassination. They showed the account closed, but didnt say played in full. So now I have to wait 6 months to get out from under the f150 I'm leasing. Dont use Ford motor credit
HE
Heather E.
Aug 22, 2019
May or may not recommend
Horrendous customer service, retract what has been said on the phone and increase what is owed adding on charges
Brian J.
Jul 26, 2019
May or may not recommend
Website is worthless. Making a payment over the phone is a 5 minute process dealing with a bot.
Showing 20 of 56 reviews