Ford First-Time Buyers Program
First-Time Buyer? Start Here.
You don’t need years of auto-loan history to take your first step toward Ford ownership.
The Ford Credit First-Time Buyer Program is designed for qualified customers who are purchasing their first vehicle and may have limited or no previous auto credit. Instead of letting a short credit history stand between you and a new vehicle, Ford Credit offers financing options designed to make the process more accessible.
Depending on your qualifications, the program may offer:
- Flexible financing options
- A down payment starting at $750
- Potentially lower APR options for qualified buyers
- Financing up to $50,000
- Select terms up to 84 months
- $750 Bonus Cash on qualifying new Ford vehicles
- The opportunity to establish a positive auto-credit history through responsible payments
Program terms, vehicle eligibility, and offers are subject to Ford Credit approval and current program rules. Contact us for more information.
Who is the Ford First-Time Buyer Program For?
The program can be a great place to start if you’re buying your first vehicle and have not yet established a traditional auto-loan history.
You may be a good candidate if you:
Have no prior auto credit history
Have no adverse credit history
Have at least six months of verifiable current full-time employment
Have a down payment of at least $750
Have income sufficient to support your vehicle payment, regular living expenses, and existing obligations
Whether you’re a recent graduate, a first-time driver, a young professional, or simply ready to purchase your first vehicle, Mike Castrucci Ford of Alexandria can help you understand your options.
Keep in mind that meeting the program criteria does not guarantee approval. All applications are subject to Ford Credit underwriting and approval requirements.
How the First-Time Buyer Program Works
1. Find the Right Ford
Start with what matters most to you. Think about how you’ll use your vehicle, how much space you need, the features you want, fuel economy, technology, safety, and your long-term ownership goals. Whether you’re looking for a versatile SUV, capable truck, sporty car, or efficient everyday vehicle, our team can help you narrow down the Ford models that fit your lifestyle.
2. Build a Comfortable Budget
Your vehicle budget is about more than the monthly payment. Consider your down payment, insurance, fuel, maintenance, and other ownership costs when deciding what works for you. Our finance team can help you look at the bigger picture and understand how different vehicle prices, rates, and terms can affect your budget. The goal isn’t simply to find a vehicle you like. It’s to find a Ford you can feel good about owning.
3. Explore Your Financing Options
Once you’ve found a vehicle you love, we’ll help you review your financing options. With the Ford Credit First-Time Buyer Program, qualified buyers may have access to financing designed for customers who are new to auto credit. We’ll walk you through the process, explain the terms in straightforward language, and help you understand what you’re signing—so there are fewer surprises along the way.
4. Drive Away in Your First Ford
The best part? Getting behind the wheel. Once your financing is approved and the paperwork is complete, you can enjoy the excitement of driving home in your first Ford—and beginning your ownership journey with Mike Castrucci Ford of Alexandria.
The Difference That Mike Castrucci Ford of Alexandria's Bottom-Line Pricing Makes
Upfront Discounts. No Nonsense. More Reasons to Choose Castrucci.
We've built our dealership around the things customers tell us matter most with honest numbers, easy financing, and service that fits real life. The biggest advantage of all comes with our upfront, bottom-line pricing, backed by a family-owned legacy in Alexandria, KY, dating back to 1958. Our discounts are applied before you ask, so the price you see is the price we mean. With a huge inventory to browse on the lot plus generous trade-in allowances, you can shop the whole selection with peace of mind.
A Team That Says Yes
Our sales professionals walk you through the inventory, answer your questions along the way, and hand you off to a finance team that offers personalized support and works to find a payment that fits your budget, not the other way around.
A Thank You to First Responders
People who look out for Alexandria, KY, and the surrounding communities receive a dedicated discount at our dealership. After more than sixty years of local support, it's the least we can do for the neighbors who show up when it counts.
Service That Comes to You
Between complimentary Pickup and Delivery, Ford Mobile Service, and OEM-trained technicians working with factory-certified parts, keeping your Ford in shape doesn't have to cost you a day off. We also offer buy now, pay later on service and parts, so an unexpected repair doesn't have to wreck your month. And we're open seven days a week, Sundays included.
That's more than a fair price on the day you buy: it's the same honest treatment every time you come back.
Why Buy Your First Ford at Mike Castrucci Ford of Alexandria?
A first-time vehicle purchase should come with more than a set of keys.
At Mike Castrucci Ford of Alexandria, we’ve curated our services around the things that matter to drivers: value, convenience, confidence, and support before and after the sale.
Our team is here to make the process easier to understand, from choosing the right Ford to exploring financing and planning for ownership.
And because we’re Mike Castrucci Ford of Alexandria, your purchase can come with benefits you may not find at other Ford dealerships.
Your First Ford Can Be the Start of Something Bigger
Your first vehicle purchase isn’t just about getting from point A to point B.
It’s an opportunity to establish a relationship with a brand, build your confidence as a vehicle owner, and potentially build your credit history through responsible, on-time payments.
At Mike Castrucci Ford of Alexandria, we want your first experience to be one you feel good about—from your first test drive to your first service visit and every mile in between.
Ready to Buy Your First Ford?
You’ve got questions. We’ve got answers. Let our team help you explore your vehicle options, understand the Ford First-Time Buyer Program, and find a payment plan that makes sense for your budget. Start your first Ford journey today!
FAQs
What is the Ford First-Time Buyer Program?
The Ford Credit First-Time Buyer Program is designed for qualified customers who are purchasing their first vehicle and have no prior auto credit history. Depending on eligibility and approval, the program may offer flexible financing, a low down payment, and bonus cash on qualifying new Ford vehicles.
Do I need established credit to buy my first Ford?
Not necessarily. The First-Time Buyer Program is specifically designed for customers with no prior auto credit history. You still need to meet Ford Credit’s eligibility and underwriting requirements, and approval is not guaranteed. Contact us for more information.
What are the employment requirements?
Current program guidelines require at least six months of verifiable current full-time employment. Additional income and credit requirements may apply.
How much can I finance?
The current Ford Credit First-Time Buyer Program allows qualified customers to finance up to $50,000, subject to vehicle eligibility, credit approval, and Ford Credit underwriting.
Can I choose a longer financing term?
Select financing terms of up to 84 months may be available to qualified customers. Your available term depends on your individual application, vehicle, and approval.
Can a co-signer be required?
Yes. Depending on your credit history and Ford Credit’s underwriting guidelines, a co-signer or higher down payment may be required.
Does buying my first Ford help build credit?
Making your vehicle payments consistently and on time can help establish a positive credit history. Your specific credit results depend on your individual circumstances and how your account is reported.
Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title, license, processing and/or documentation fees of $387.00. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week.
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Mike Castrucci Ford Alexandria
7400 Alexandria Pike
Alexandria, KY 41001
- Sales: 859-328-6599
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