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Ford Credit auto loans review

Dealership financing with a quick online application and flexible repayment options.

  • Best for drivers looking for flexible loan and repayment options.
  • Pick something else if you want transparent rates and loan terms.
No reviews yet. Write a review


Product NameFord Credit
Financing typesPurchase,Leasing
Eligible car typesNew,Used,Certified Preowned

Pros and cons


  • Traditional and balloon payment loans available
  • Flexible repayment options, including deferment
  • Multiple discount programs available


  • Rates and terms aren’t available online
  • Website’s FAQ section is difficult to search

Ford Credit special discounts

  • Military: No
  • College grad: No
  • Repeat customers: Yes
  • First responders: Yes
  • Accessibility equipment: Yes

Ford Credit reviews and complaints

BBB accredited No
BBB rating A-
BBB customer reviews 1 out of 5 stars, based on 10 customer reviews
BBB customer complaints 130 customer complaints
Customer reviews verified as of 15 October 2020

There aren’t much in the way of customer reviews. Ford Credit doesn’t have a Trustpilot page, and its Better Business Bureau (BBB) page only has a handful of reviews. Unfortunately, while it receives an A- from the BBB, its customer rating is only 1 out of 5 stars. Complaints range from customers not getting their title after paying off their car to being unhappy with how Ford Credit handled hardship relief during COVID-19.

How to apply

Ford Credit has a quick online application that only requires a few basic pieces of information. Follow these steps to get started:

  1. Under the Ford Credit menu, select Apply for credit.
  2. Select if you want to lease or finance, then choose whether you’ll be applying as an individual or with a coapplicant.
  3. Select the model you want to lease or purchase using Ford’s Find Your Vehicle tool.
  4. Enter information about yourself, your residence, your employment and your annual income.
  5. Review your application and Ford Credit’s terms and conditions.
  6. Select a local dealership.
  7. Submit your application and write down your application number for easy reference when you visit the dealership.

How do repayments work?

You have multiple options to repay your car loan through Ford Credit:

  • Online — both manual and automatic payments available
  • By phone
  • By mail
  • Through payroll deduction
  • Through MoneyGram or Western Union

If you’re experiencing financial difficulty, Ford Credit may allow you to defer or postpone repayments to a later date. However, interest will continue to accrue — meaning you’ll end up paying more in the long run.

If you’re late making a payment, you may be charged a late fee. The exact amount depends on your state, so check your loan agreement for more details.

Compare more car loan options

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Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit. Car Loans
Starting at 2.15%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.

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