Prices include all costs to be paid by a consumer, except for licensing costs, registration fees and taxes. Contact dealer for most current information. MSRP is the Manufacturer's Suggested Retail Price (MSRP) of the vehicle. All advertised prices reflect the vehicle's selling price and include a dealer documentation fee of $749. Please verify included equipment and pricing details with the dealer. All offers, pricing, and availability are subject to change without notice and are subject to prior sale. Advertised prices may include manufacturer incentives, dealer discounts, or conditional offers that may require qualification, including but not limited to residency restrictions, financing through preferred lenders, lease loyalty, or other eligibility criteria. Not all customers will qualify. Advertised payments, if shown, are estimates for illustrative purposes only and may not include all applicable taxes, fees, or costs. Actual terms, including price, payments, and financing, will vary based on credit approval, lender terms, and individual circumstances. Vehicle images are for illustrative purposes only and may not represent the exact vehicle offered for sale. Colors, trim levels, options, and accessories may differ. Some vehicles may be in transit and not yet available for immediate delivery. Please contact the dealer to confirm availability and details. While every reasonable effort is made to ensure the accuracy of this information, errors may occur. The dealership is not responsible for typographical, pricing, or data entry errors. All information is provided "as is" without warranties of any kind, either express or implied.
Ford First-Time Buyer Program at Lester Glenn Ford
Buying your first vehicle in Ocean Township should not feel like a test you did not study for. The Ford Credit First-Time Buyer Program is built for shoppers with little or no credit history, with a low down payment, flexible terms, and $750 Bonus Cash on a new Ford.*
Why First-Time Buyers Start Here
Build Credit With Confidence
A first auto loan is one of the most reliable ways to establish credit. This program is designed for buyers with a limited credit file, so a thin history does not have to stop you.
Real First-Time Buyer Incentives
Qualified applicants can access Ford Credit offers that are not available to every shopper, including $750 Bonus Cash on a new Ford and the possibility of a lower APR.*
Support at Every Step
Our finance team walks you through the paperwork line by line, and Ford Credit backs you after the sale with account tools, payment options, and customer support.
What Is the Ford First-Time Buyer Program?
It is a financing program from Ford Credit for people purchasing their first vehicle. Instead of judging you on a credit history you have not had a chance to build yet, it looks at steady employment and a reasonable down payment, then adds incentives on top.
Program Details
- Choose from new and Ford Blue Advantage Certified Pre-Owned vehicles
- Qualified applicants may be eligible for a lower APR
- $750 Bonus Cash on a new Ford, which can be combined with other active offers*
- Finance up to $50,000
- Flexible terms up to 84 months with low down payment options**
Program Eligibility
- No prior auto credit history and no adverse credit history
- At least 6 months of verifiable current full-time employment
- A down payment of $750 or more**
Additional documentation may be required, and a co-signer or a larger down payment may be requested based on underwriting. Our team at 900 Highway 35 can confirm your eligibility in a short conversation.
Ask Our Finance TeamHow It Works at Lester Glenn Ford
Set a monthly number you are comfortable with
Work backward from your budget, not from a sticker price. Account for insurance, fuel or charging, registration, and routine maintenance before you decide what the payment can be.
Get pre-approved online
Our secure finance application takes a few minutes, and our credit estimator gives you a range before you ever set foot on the lot.
Pick a vehicle that fits the number
Browse new Ford inventory or Ford Blue Advantage Certified Pre-Owned units. Both are eligible, and both are worth a look on a first-time budget.
Bring your documents and finish up
Bring your driver's license, proof of insurance, recent pay stubs or proof of income, and trade-in paperwork if you have a vehicle to trade in. We handle the rest with Ford Credit.
Popular First Vehicles at Our Ocean Township Ford Dealership
First-time buyers in Monmouth County tend to land on efficiency, a low cost of entry, and enough room for a beach weekend. These are the models we see most often.
Already have a specific model in mind? Check current lease and finance offers to see what stacks with your first-time buyer incentive.
Other Ways to Save at Lester Glenn Ford
College Student Program
Recent graduates and current students may qualify for additional Ford incentives that pair well with a first vehicle purchase.
New Start Program
If your credit history has a few bumps rather than a blank page, our New Start Program is the better place to begin.
Military and First Responder
Active duty, veterans, and first responders have their own Ford appreciation offers available.
First-Time Buyer Program FAQs
Can I get approved for a car loan with no credit history?
Yes, that is exactly who the Ford First-Time Buyer Program is built for. Eligibility requires no prior auto credit history and no adverse credit history, at least six months of verifiable current full-time employment, and a down payment of $750 or more. A co-signer or a larger down payment may be requested depending on underwriting.
How much is the first-time buyer incentive on a new Ford?
Qualified first-time buyers can receive $750 Bonus Cash on a new Ford, and it can be combined with other active programs or offers. Ford Credit Bonus Cash requires financing through Ford Credit, and not all buyers will qualify.
How much do I need for a down payment?
The program requires a minimum down payment of $750. A larger down payment lowers your monthly payment and can improve your approval odds, so put down more than the minimum if your budget allows.
How much can I finance through the program?
Ford Credit allows financing up to $50,000 under the First-Time Buyer Program, with terms available up to 84 months. That covers most new Ford models and the full range of our Certified Pre-Owned inventory.
Do used vehicles qualify, or only new ones?
Both new and Ford Blue Advantage Certified Pre-Owned vehicles are eligible for the program. The $750 Bonus Cash applies to new Ford vehicles. If you are shopping certified, ask our team which incentives apply to the specific unit you are considering.
Will applying hurt my credit score?
Getting prequalified to see an estimated range has no impact on your credit score. A full credit application submitted for financing does involve a credit inquiry. Our finance team will tell you which step you are on before anything is submitted.
Do I need a co-signer?
Not necessarily. Many first-time buyers qualify on their own. Based on your credit profile and Ford Credit underwriting guidelines, a co-signer or a higher down payment may be required. Bringing a co-signer along can also help you secure better terms.
What documents should I bring to the dealership?
Bring a valid driver's license, proof of auto insurance, proof of income such as recent pay stubs, proof of residence, and any trade-in documents including the title and registration. Having these ready shortens your visit considerably.
Can I use the First-Time Buyer Program on a lease?
The First-Time Buyer Program is a retail financing program, so it applies to purchases rather than leases. If leasing is a better fit for your situation, our finance team can compare a lease and a finance contract side by side before you decide.
Do you serve first-time buyers outside Ocean Township?
Yes. Lester Glenn Ford serves first-time buyers throughout Monmouth County and the surrounding Shore area, including Asbury Park, Eatontown, Tinton Falls, Neptune, Long Branch, Wall, and Toms River. We are at 900 Highway 35 in Ocean, NJ.
Ready to Buy Your First Ford?
Call our sales team at (732) 775-1500 or stop by 900 Highway 35, Ocean, NJ 07712. Showroom hours are Monday through Friday 9:00 AM to 8:00 PM and Saturday 9:00 AM to 6:00 PM.
Request First-Time Buyer Information
Tell us a little about what you are looking for and a member of our finance team will confirm your eligibility, walk you through the numbers, and pull together a few vehicles that fit your budget. No obligation and no pressure.
*Ford Credit Bonus Cash requires Ford Credit financing. Not all buyers will qualify. Bonus Cash applies to new Ford vehicles and may be combined with other active programs or offers subject to program rules.
**A co-signer or higher down payment may be required based on credit history and underwriting guidelines. See dealer for qualifications and complete details. Program terms, amounts, and availability are set by Ford Motor Credit Company LLC and are subject to change without notice. Ford Credit, NMLS #3018.
Advertised prices include a dealer documentation fee of $749 and exclude licensing costs, registration fees, and taxes. Contact Lester Glenn Ford for the most current program information.
Learn More About The Ford First Time Buyer Program
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