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.*
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.
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.*
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.
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.
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 TeamWork 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.
Our secure finance application takes a few minutes, and our credit estimator gives you a range before you ever set foot on the lot.
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 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.
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.
Recent graduates and current students may qualify for additional Ford incentives that pair well with a first vehicle purchase.
If your credit history has a few bumps rather than a blank page, our New Start Program is the better place to begin.
Active duty, veterans, and first responders have their own Ford appreciation offers available.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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