Jump to Section

Advertiser Disclosure

Last Updated: 04/18/2025

Ford Credit

in Auto Loans from Ford Credit

Last Updated: 04/18/2025

Strongly not recommended56 total votes

12 users recommend

44 users don't recommend

Cast Your Vote

Get 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 penatly 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.

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 of approval.

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

Why Ford Credit? Because we believe that every customer deserves an exceptional automotive financing experience. Since 1959, we’ve put our customers first so we can deliver excellent service, and the products and services we offer reflect that ongoing dedication to using our decades of expertise to help meet your auto financing needs.

Whether you prefer buying or leasing, Ford Credit has the financing plan for you. We offer various financing plans designed to fit the needs of our customers. Looking for commercial financing? Ford Credit has you covered with combined billing and a variety of commercial financing plans.

You can count on Ford Credit for assistance when times get tough. Whether you need more time on a payment, have lost a source of income or have recently been the victim of a natural disaster, we offer a variety of services and programs designed to help support you during crises big and small.

Contact

Headquarters

PO Box 542000

Omaha, NE 68154

(800) 727-7000

Visit Site

Email Support