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Start with less upfront
The program requires a minimum $750 customer down payment, excluding rebates and trade equity.
Your first car. Your next chapter.
Your first Ford may be closer than you think.
A special Ford Credit program can help qualified first-time buyers get started with less money down, a competitive rate benefit and plenty of exciting vehicles to choose from.
No pressure. Our team will walk you through the program and answer your questions.
Made for a first big purchase
Less intimidating. More exciting.
Buying your first vehicle is a big deal. This program is designed to make the financing side easier to understand and help qualified buyers move forward with confidence.
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Get a stronger rate benefit
Qualified applicants may receive a maximum Tier 1 Ford Credit rate, helping make payments more manageable.
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Choose something you love
Explore eligible favorites like Bronco Sport, Maverick, Escape, F-150, Mustang and more.
Could this program be for you?
Check the basics.
You may be a fit when these statements sound like you:
- This would be your first financed vehicle.
- You have been at your current job for at least six consecutive months.
- You do not have a prior charge-off or bankruptcy and are not currently delinquent.
- Your vehicle will be for personal use.
- Your FICO score is at least 620.
Pick your first adventure
Eligible Ford vehicles for all kinds of firsts.
From commuting and weekend trips to hauling gear or going electric, there is an eligible Ford for many different lifestyles.
BroncoBronco SportEscapeExplorerF-150F-150 LightningMaverickMustangMustang Mach-ERanger
Certified choices may qualify too: Eligible Ford Blue Advantage Gold/Blue and Lincoln Certified Pre-Owned Signature/Select vehicles from the current model year through five model years old.
A simple way to get started
Three easy next steps.
Tell us what you need
Share your budget, driving needs and favorite Ford models with our team.
Review your options
We will help you complete an application and explain the program in plain language.
Choose your first Ford
Explore eligible vehicles and review the financing terms available to you.
View additional program details
- Eligible Ford Credit tiers: 0-4; natural Tier 0 approvals remain Tier 0.
- Maximum amount financed: $50,000; maximum payment-to-income ratio: 22%.
- New retail terms up to 84 months; other product and term limits apply.
- Proof of income is required before approval for Tier 3-4 applicants.
- One vehicle only. Eligibility does not guarantee credit approval.
Your first Ford starts here
Let’s make this milestone feel possible.
Connect with our team for a friendly, no-pressure conversation about the Ford Credit First-Time Buyer Program.
Healey Brothers Ford
2250 South Road, Poughkeepsie, NY 12601
(845) 831-1400
*Eligibility does not guarantee credit approval. Standard underwriting and purchasing guidelines apply. Program terms, vehicle eligibility, incentives and availability are subject to change. Minimum $750 customer down payment excludes rebates and trade equity. Applicant on Line 1 must meet First-Time Buyer eligibility requirements. Not eligible with 90-day deferred, CSPP or FELP programs. Additional restrictions may apply. Ford Credit First-Time Buyer Pilot is scheduled to run July 7, 2026 through December 31, 2026. See Healey Brothers Ford for complete details.