First Time Buyer? Ford has the Financing Option that's Right for You

If you’re a first time buyer looking for a brand new, a Certified Pre-Owned or a quality pre-owned Ford, there's a good chance you don’t have the available funds to pay for it outright. The problem is that can lead some people into buying something older, less desirable and less reliable than they would like. But here at Southern California Ford Dealers we have a range of finance solutions with the right Ford credit payment to suit your circumstances and your budget.

First time buyer program

As a first time buyer you could have limited or no credit, but our expert auto finance team is here to help with finance products from our first time buyer program to suit your specific needs. Depending on your circumstances, our exciting program can offer a lower initial down payment, lower monthly payments and low interest rates. It may require that you have a certain level of monthly income, but the offers change on a regular basis so make sure you get in touch to find out how we can help you into a new or pre-owned Ford for affordable monthly payments.

What to do first

Before you get to the point of applying for finance there are a number of steps to follow first. Purchasing a vehicle is a huge undertaking, especially for the first time, so you'll want to make sure you’re buying the right one by doing your research thoroughly. As well as deciding if it’s a truck, and SUV or a car you want you'll also have to consider characteristics such as safety, comfort, features, performance and whether you want new or used. Most of this can be done right here at our website where you can check out all our new and pre-owned vehicles, get an estimate of your monthly payments using our car buying calculator, and even pre-apply for finance before you come down for a test drive.

New or pre-owned?

Don’t just assume that because you're shopping on a budget it necessarily means you have to buy pre-owned. Although pre-owned models offer great value for money at prices lower than those of a new equivalent, sometimes leasing a brand new vehicle means lower monthly payments than if you were buying a less-expensive pre-owned version on regular finance Ford credit payment. The monthly payment depends on a wide number of parameters, such as the amount of driving you’re going to do, the length of the lease term and the vehicle in question. The best thing to do is to give our finance team a call and talk to them about what you’re interested in and what your budget is, and you might be in for a very pleasant surprise about how much car you can get for relatively little money with leasing.


Don't forget you can pre-apply for finance online right here at our website using our online application form. It will let you know if you’re eligible for finance and save you time when you get here that can be better spent test driving the models you’re interested in and sorting out the right first time buyer finance plan for you.

To find out about the latest ford incentives 2018, including Ford incentives F-150 and otherwise, get in touch with our expert team at Southern California Ford Dealers.