Even if you have no previous vehicle financing experience, the First-Time Buyer program can give you the opportunity to drive a new Ford, Lincoln or Mercury vehicle!

Buyer Tips

 Consider the following when selecting your vehicle.

Step 1: Determine your needs and wants

Buying a vehicle is a serious commitment. It is important that your vehicle meets all your functional needs but it also needs to be fun and exciting to drive. Establish a list of your needs and wants to help guide your purchase decision in the right direction. Be sure to consider:

• Seating & Cargo Capacity
  • How many people - and how much stuff - needs to fit into your vehicle?
  • Do you need to tow anything?
• Safety
  • Which safety features are a "must have"?
• Cost of Ownership
  • What are your fuel mileage needs? How much will insurance be?
• Performance & Handling
  • Do you need/want an upgraded engine?
• Comfort & Convenience
  • Do you want leather seats, an upgraded stereo or navigation system?
  • What other luxury features are important to you?

Step 2: Decide on a budget

Once you've decided what you're looking for, it's time to take a look at your finances to see how you can make this relationship happen.

Try to calculate what your monthly payments might be (you may be surprised at the vehicle you'll be able to afford). Besides the everyday costs of a vehicle - such as insurance and fuel consumption - make sure to figure in regularly scheduled maintenance. Our Payment Estimator can also help you determine how much you can afford.

Want to learn more about credit? Visit our section on Understanding Credit and Identity Theft.

Step 3: Make your choice

Now that you have an idea of what you're looking for, and how much you can afford, it’s time to look at which vehicles suit both your functional and financial needs. Consider the following:

• Check Out Our Full Vehicle Lineup
  • Don't limit yourself; a crossover may meet the same needs as a SUV
• Build & Price
  • Include every car, truck, crossover or SUV you think meets your needs
  • Use our Payment Estimator to see if it fits into your budget
• Schedule a Test Drive With Your Preferred Dealer
  • You can also request a quote online

Finally, make sure to lease or finance your vehicle with Ford Credit!

PLEASE SEE YOUR FORD, LINCOLN OR MERCURY DEALER FOR COMPLETE DETAILS