States We Serve
[AL] Alabama - (1)
[CA] California - (13)
[CO] Colorado - (4)
[FL] Florida - (2)
[GA] Georgia - (5)
[IL] Illinois - (4)
[IN] Indiana - (1)
[IA] Iowa - (1)
[MD] Maryland - (1)
[MA] Massachusetts - (1)
[MI] Michigan - (3)
[MN] Minnesota - (1)
[NE] Nebraska - (1)
[NJ] New Jersey - (1)
[NY] New York - (1)
[NC] North Carolina - (1)
[OH] Ohio - (4)
[OR] Oregon - (2)
[PA] Pennsylvania - (2)
[RI] Rhode Island - (1)
[SC] South Carolina - (2)
[TN] Tennessee - (1)
[TX] Texas - (19)
[UT] Utah - (3)
[VA] Virginia - (1)
[WI] Wisconsin - (1)

Ford Credit

PO Box 542000, Omaha, NE, 68154, USA
(800) 727-7000


Ford Credit Overview

Ford Credit, officially known as Ford Motor Credit Company, is an automotive finance business that was founded in 1959. The company serves Ford customers by offering financing at over 5,000 dealers. Ford Credit is a subsidiary of Ford Motor Company, a global enterprise headquartered in Dearborn, Michigan, with over $224 billion in assets.

How Do Ford Credit’s Auto Loans Work?

Ford Credit offers loans for financing a new, used or certified pre-owned purchase at a Ford dealer. Additionally, loans are available for leasing a new vehicle or purchasing your leased vehicle from a Ford dealer. Ford Credit also offers vehicle protection add-ons including GAP coverage and extended service plans.

What Are the Rates for Ford Credit’s Auto Loans?

Ford Credit offers low rates starting at 1.9% APR.

How Much Money Can I Borrow for Ford Credit Auto Loans?

The amount of money you can borrow depends on the vehicle and your creditworthiness.

What Is Ford Credit’s Application Process Like?

For a loan through Ford Credit, you can apply online, by phone or in person at a Ford dealer. When applying online, you’ll receive a decision within minutes. Then, you can use that information when you go to your local dealer. If you choose to work directly with a Ford dealer for financing, you may be eligible for additional benefits including reduced finance rates, vehicle incentives and even cash back.

How Are Ford Credit’s Auto Loans Better than Other Auto Loans?

- If you’re shopping at a Ford dealer, Ford Credit makes financing easy.

- Ford Credit offers loans for both new and used purchases as well as leases.

- Ford Credit is available at thousands of Ford dealerships around the world.

Credit Bureau Reporting
Loan Amount
Payment Options:
APR:Starting at 1.90%
Min APR:
Max Loan Term (Months)72
Checking Account Required?
Lend To Military?
Immigration Status Considered:U.S. Permanent Resident
Minimum Age:18
Verification Documents Required:
Driver license (or other photo ID)
Proof of citizenship/residence
Customizable Payment Dates
Joint Loans Available
No Origination Fee
Pre-Approved Soft Credit Inquiry
Approval Speed (Hours)1
Deferred Payments
No Late Fees
No Prepayment Fee
1-7 days
Same Day
2-4 weeks
Application Fee
Lease Purchase
Institution TypeOther
New Loan
Used Car Loan 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...


November 17, 2017

Every thing at the dealership for a new 2017 Ford Edge was going perfectly until the final stage seeing the business manager. When it came to financing the vehicle as to financing it or paying cash. The business manager shown me that Ford Credit would offer me financing on my new ford that would cost me just over $30,000 for 60 months at 6.99% APR. I was totally surprised and said to the business manager why such a high interest rate when you just shown me a printout from Equifax that my FICO score was 836. His reply was ford credit rates are not the greatest. Well I decided to just pay cash to pay off the vehicle.

September 27, 2017

Hi, i am writing this review for others to be aware of how this company works and if anybody else is in the same situation to contact me, i am going public and planning on taking legal action( currently consulting with legal representation). My truck was a total loss with the flooding after the hurricane. Just received a letter from the GAP company that they are missing information from the lender( Ford credit), this information includes payment history and payoff amount for the vehicle. After calling the number they assigned to for the victims of the hurricane Harvey i was told by Preston ( representative over the phone) that the GAP claim was opened on the 20th, which gives them time to send information they have on file because my payment history and payoff amount Ford Credits was my lender and they have record of my payments. I was also told by the representative that if i called in with more information or to ask any question i would not be able to speak directly with a Total loss representative because they are NOT taking inbound calls. It sounds to me they are delaying the process therefore the clients are obligate to make more payments over vehicles that are total loss after the hurricane. I anyone else is in this same situation and would like to talk about it.

September 15, 2017

Was trying to get a vehicle at Fox Ford Chicago, the dealership was great however when it came to getting the vehicle financed lets just say that's where I received the worst customer service I have every gotten from a car company. I explained I was looking to do business financing as the vehicle was for my business and I was required to submit not only proof of all the credit lines and accounts that I had under my name but apparently having a monthly gross income that was 40% the value of the vehicle, enough credit to pay for the vehicle 2 times over, and being in business almost 5 years was not sufficient for Ford Motor's Credit. Even after the GM of the dealership reached out to try and push the information thru they still were asking for a personal guarantor which I refused to do because this wasn't a startup and I had more than proven my credit worthiness over the years. Strangely enough a colleague of mind with a business less than 18 months with less income and no established lines of credit was approved for a business loan with no PG the only difference him being white..guess the legacy of racism that Henry Ford started is still alive and well at Ford.

By  Anonymous

July 28, 2017

Ford financial does not honor the 10 day grace period that is in contracts. The customer service is not user friendly and are very rude. Ford financial is also the worst to work with if you have fallen into legitimate documentable hard times. Will not recommend anyone to finance vehicle through Ford Financial.


June 24, 2017

Ford motor credit is the worst company ever. My husband lost his job and my hours were cut at work so we fell behind on paying our loan. They repo our car and now is threatening to send us to court for the remaining cost of the car. I will never do business with this company.

Not a military friendly company. I called Ford Motor Credit because I needed an authorization from the lien holder in order to ship my vehicle back to the U.S. I have done this process about 3 times with USAA and I instantly got the letter. It has taken Ford more than a week and I still dont have the authorization. It took them 3 business day to upload an application to my account. I uploaded their requested documents right away. 2 days later, I had to call to ask about the status only to find out that they needed somethig else and had not informed me. This company needs a lot more experience when working with military. Requesting references and the new address from the place you are moving to is difficult since you won't really know your address until you get there. Also, no one really knows you. They are an extra headache when you are trying to conduct a move for military reasons.


June 20, 2017

Ford Credit was amazing to work with! First of all, they approved me after I'd just gone through divorce with financial issues. Then a few years into the loan, being a single mom, being furloughed (govt worker) resulting in pay cut, Ford was exceptional & extremely understanding when I was having difficulty making payments. They gave me options, even letting me skip a month when I didn't think I'd be able to buy my kids Christmas presents! I've often said I wouldn't go anywhere else & now that I'm looking for a car again, there's no question where I'll go.


June 10, 2017

I love my ford focus However I am so close to tradeing it in it is such an inconvenience you can't make your payment by phone or there site with credit card you have to go through another company and they charge 10.00 you would think ford would make it easier for their customers.


April 14, 2017



September 12, 2016

WORST CUSTOMER SERVICE EVER. I spoke with Ford 5 times. The first 2 times they were super nice and helpful. It was only when I had to call the next 3 times when things went bad. They never sent me my rewrite and I had to get them to send it to me twice. It was only the 3rd time that I called to receive it that they informed me that it takes 4 weeks before you get it. The guy Ulises that I spoke with was very very very rude to me. When I asked to speak with a supervisor, he told me that he doesn't have one and I would have to continue to speak with him. He then faxed me the information. Once I received it and read over the contract it was things on there that were questionable. I was told that certain items would be removed during the processing of the rewrite, only to find out that it would actually be completely removed. It makes sense once it was explained to me correctly. Im more upset that I went through this entire process and NO ONE knew what they were talking about and they were rude. Maybe if they had a supervisor and proper training, it would help


September 10, 2016

I have nothing but good things to say about ford credit. ..I have fell behind on my payments 3 times with in a year and they helped me out all 3 times and they was very understanding and very helpful.


June 01, 2016

Ford Motor Credit is attempting to charge me a $100 fee for a "speeding ticket" on my vehicle. Ford notified me of the ticket and I proceeded to immediately contest the ticket. About 30 days afterwards, I find the fee of $100 on my account. I called Ford and notified them that it was my intention to contest the ticket and that by them having paid it, they are precluding me from being able to continue with the contestment. After waiting for over 8 days for a supervisor to contact me, I just spoke to Miguel Samianiego who was very disrespectful, called me a liar, and told me that he will not remove the fee. I told Mr. Samianiego that I will use this to end my lease and proceed to file in small claims court and that I would be mentioning him by name and he stated "Go ahead and do it, I'm writing it down." I have never been so disrespected when dealing with another company and I want the fee removed. I followed the instructions on the letter to call the jurisdiction to contest the ticket and Ford proceeded to pay the ticket and attempt to charge me for it. The letter contained a typo which confused me and even after having admitted to the mistake, Mr. Samieaniego refuses to eliminate the fee. I will not pay the ticket and I want it removed. I also want Samianiego held accountable for his disrespect and actions.


April 14, 2016

Worst customer care response. They simply answer with some vague responses every time you call them. For lease transfer the process is taking more than month till now and it is still not yet completed. They said that, for any mail processing, it will take 3-5 days for picking up the mail from their mail room. Shouldn't have been taken any lease from them.


December 28, 2015

Rude and scams all they care is about them making tons of money.Don't ever use them. They also love to lie say they will call back after hours of being on the phone.


March 01, 2015

I have an auto loan out through Ford Credit and that has been fine so far. But I have tried getting on their online site for the past couple days, and it refuses to load. I can't believe that a company as large as this allows their site to be down for so long. It should have been fixed within minutes.


February 24, 2015

Ford Credit does not try to accommodate you whatsoever when it comes to paying off your principle. They also have customer service team members that can be a little rude at times. I have been a customer of theirs for so long, but this current situation is completely ruining them for me. I will not use them again in the future.


February 03, 2015

The car I was paying off (through FC) was totaled in an accident. My insurance company said they would cover the remaining balances. I checked my credit score and it has gone downhill because of outstanding balances with FC! I can't get this figured out, and it shows on my credit! So frustrating that FC will not help me out with this.


January 25, 2015

I have mediocre credit but Ford has always been there for me. Within the past month I was able to buy a new car with Ford Credit. The process was so simple. It was so quick and I got the car within days. I am a loyal Ford customer and will continue to be as long as the company stays this devoted to its customers.


January 21, 2015

Ford credit is screwing me over! I completely paid off my car loan with them and now they are saying that I owe over two grand. I have the congratulations letter after I made my final payment and everything. This is greatly affecting my credit score because it says I owe two grand in outstanding balances!


January 09, 2015

Apparently, you have to pay your Ford Credit car loan bill two business days before the actual due date, or else it is considered late. What? That doesn't make any sense. I didn't realize it but I have made two “late” payments already, even though I paid days beforehand. Just make sure it doesn't fall on a Monday.

November 15, 2014

I've had a bunch of loans with Ford Credit over the years. They send the bills in a timely manner. The bills are always clear and easy to understand. With the many loans I've had, I have only had to call once or twice, but each time I've called they were ultra-responsive and quickly answered my questions in a manner that I fully understood what they were talking about. Once the car is paid off, they also are good about sending the title in a timely manner. My most recent car was not a Ford and the experience of being billed did not go as well as Ford.


November 13, 2014

Ford Credit lied to my husband! He lost his job and mine was not cutting it, so we contacted them for any payment alternatives. They suggested we surrender the vehicle to get rid of the payments altogether. They ASSURED us that it would not go on the record as a repossession. They said it was something different altogether. They were wrong and now we are dealing with a repo on my husbands credit.


October 10, 2014

I'm happy to say that Ford Credit will really work with you, when you have been in the financial dumps. They gave me an “okay” interest rate, hence the two less stars. I get that I would have been disapproved if I'd gone through another company, so I am happy enough. I just can't wait to refinance for a lower rate!


August 07, 2014

Ford Credit doesn't care when they screw you over! My loan has been paid off for almost a year now and they STILL have no reported it to the credit bureaus! My credit is going down down down because of something I already paid off. Also, their response to my inquiries is to “dispute it”. They won't fix it on their end for whatever reason.


June 13, 2014

I can't say enough about Ford Credit. As my family is expanding, I needed to upgrade from by small car. I tried another lender but they kept trying to sucker me into high interest rates and high monthly payments. I have great credit, that shouldn't be the case. I went to Ford Credit and got the lowest possible interest rate. I'm a very happy customer and now my husband is looking to get a new vehicle, as well.


May 07, 2014

Within six months of paying my Ford Credit payment on time, my credit score has increased by amount 70. That's a pretty big jump considering no other lender would give me a car loan six months back. I genuinely appreciate Ford Credit and have heard so many good things about them. I hope to stick with them in the future and see just how much they can do for me.


April 25, 2014

Like everyone else, I got a car loan with Ford Credit thinking I would be making each and every payment on time. But, like most people, things come up and that is not always possible. I can say though that Ford worked with me when I needed extra time for payments. I appreciate that they understand that things happen. I would recommend Ford, and I'd get another loan out in the future if needed.


April 09, 2014

I have always liked Ford cars and Ford Credit, but in all honestly, their interest rates are just too high. I usually end up refinancing soon after getting the loan just so I'm not trapped with their high rates. I usually get something around 5-6% with Ford and 2-3% refinancing with other companies. That small percentage is worth the switch.


April 01, 2014

Ford Credit is great! After a little shuffle, back and forth in the negotiation room, I walked away with 0 percent for 60 months. How great is that! Ford really takes care of their life long customers with their Ford Credit. I'm so satisfied with will OBVIOUSLY be returned to Ford and Ford Credit in the future.


March 28, 2014

I'd give Ford Credit's customer service zero stars if I could. They are so extremely unhelpful. I needed to get info from them so I could refinance my vehicle through a bank, but for whatever reason, they made it difficult. After weeks of trying, I eventually gave up. It is a joke and I would not recommend them after that


March 11, 2014

It is apparent that Ford Credit looks out for its customers. I am a prime example of that. After getting approved for my first car on my own, my car was wrecked in an accident a few years later. Even though they were just the lenders on my vehicle, they showed a true concern and even got involved with the insurance agency. I couldn't have asked for a better support system.


March 10, 2014

I cant put in to words the frustration I feel with Ford Credit. I requested that they take my monthly payment out of a different bank account, and they ended up screwing that up and taking it out of both accounts. When I called the customer service line to get it figured out, they were belligerent. I ended up having to deal with my bank directly to get the money deposited back in. How irritating.


February 26, 2014

I ended up refinancing my Ford Credit auto loan to get a lower interest rate with another lender. That other lender ended up paying a little too much to Ford, so Ford owed them the over payment. It has been three weeks now, when they said it would take 14 days. They need to get their stuff together and pay back the over paid amount to my financier.


January 31, 2014

Ford Credit has been super reliable over the past couple years. A few years back, my credit score was not fantastic but they approved me for a car loan anyway. This time around, they provided me with the same great service as the first time. I would definitely recommend them because they take care of their customers.


January 02, 2014

The team at Ford Credit really attempts to work with you and help you throughout the life of your loan. I had awful credit when I got the loan in the first place, and then had to defer a few payments during a bad period. They were nothing but understanding during every call. Their customer service is fantastic. I'd highly recommend Ford Credit.


October 26, 2013

I am very dissatisfied with Ford Credit's customer service. First off, their principle only payment policies absolutely stink. You literally have to let them know when you want to pay more on the principle each month. I always call into customer service to do this. Sometimes it goes smoothly, other times I get hooked up with horribly rude reps who don't know what they are doing.


October 25, 2013

After buying nothings but Ford's for over 20 years, Ford Credit has managed to turn this Ford lover away. I used Ford Credit for the first time ever, and when I moved, they made it very difficult for me to get my title. I called several times and never seemed to come to any resolution. It has NEVER taken me this long to get a title. I now refuse to deal with Ford as a whole.


October 17, 2013

Who can turn down a new vehicle financed at less than 2% APR? I know I couldn't! My only complaint comes from Ford Credit's principle only payments. Basically from what I've seen, you make a payment then afterwards let them know you want it to apply directly to the principle. That seems extremely inefficient and I've never seen anything like it.


October 17, 2013

Ford Credit really makes paying the principle only very difficult. For whatever reason, you have to call customer service, have them reverse your regular payment, and then wait until the payment posts and principle only? It is so confusing. I've done this multiple times with other lenders without issue. It should not be this difficult!


October 12, 2013

I'm not a guru or expert by any means when it comes to interest rates, but I can definitely tell you Ford Credit has higher ones than most other companies. This may be different if you have a good, established credit history, but I didn't. I got stuck with a high rate. In all reality, I look forward to refinancing because the interest rate is insane.


September 28, 2013

I made a payment using Ford Credit's online system about a week late, but it is showing on my credit history as 30+ days late. I am very close to closing my loan with them and this was my first ever late payment. I hope it gets fixed because if not, I will most likely be taking my business elsewhere. I can't stay with a company that inaccurately reports payments.


August 28, 2013

Ford Credit has failed to report my final payment to the credit bureau, and now, it shows that my last payment was never made. It's been some time so it looks really bad on my credit, even though it was all in paid full, on time. I called them and they will not fix it for me.


April 17, 2013

Ford Credit is a pretty good company. I have always liked Fords even though I've never personally owned one, so when I was in the market for a new car, Ford Credit seemed to be the way to go. They were wonderful and efficient. I got a low apr. I now recommend them to everyone I know who is looking to get a new car.


December 27, 2012

After getting a Ford through Ford Credit, my interest rate magically increased tenfold. Enough for me to notice and get irate about it. I contacted Ford Credit and was told a mistake was made, and gave me a new interest rate which was still higher than the original. Needless to say, I refinanced as soon as I could. I can't deal with those kind of “mistakes” that cost me thousands.


January 05, 2012

Ford Credit made it SO difficult for me to trade in my vehicle for another. Mind you, I have done this in the past with other companies without issue. All of a sudden all these fees starting popping out of nowhere and I was expected to pay them. Their customer service was also very rude when I called. I WAS a loyal Ford customer, but I'm not sure now.

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