Ford Credit auto loans review

Pros and cons

Ford Credit special discounts

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

Ford Credit reviews and complaints

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.

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Name	Product	Filter Values	Minimum credit score	APR	Loan term	Requirements
LightStream Auto Loans			Good to excellent credit	Competitive	2 to 7 years	Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.	Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.	Go to site More Info	Compare	loading Fetching your data...
CarGurus			Varies	Varies depending on the lender	3 to 6 years	Varies depending on the lender	Go to site	Compare	loading Fetching your data...
CarsDirect auto loans			No minimum credit score	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.	Go to site More Info	Compare	loading Fetching your data...
Carvana			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.	Go to site More Info	Compare	loading Fetching your data...

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Have you considered LightStream Auto Loans?

Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.

• Same-day funding
• Up to 100% financing
• No restrictions to age or mileage
• Secured and unsecured options
• Competitive rates

Learn more

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