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Ford Credit auto loans review

Last updated:  

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.


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


  • 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 customer reviews

BBB accredited No
BBB rating A-
BBB customer reviews 1 out of 5 stars, based on 6 customer reviews
Trustpilot Score
Customer reviews verified as of 25 October 2019
Ford Credit does not have any Trustpilot reviews.

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

Data indicated here is updated regularly
Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% - 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
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.

Compare up to 4 providers

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