First-Time Buyer Program
First-Time Jitters, Meet
First-Time Buyer Program
If you’re financing your first vehicle, the right support makes all the difference.
Pre-Qualify NowPeace of Mind, One Vehicle at a Time
Now available at Mossy Ford
An enhanced First-Time Buyer financing program from Ford Credit, built to help you get past the usual hurdles and into a vehicle you're excited to drive — now available at Mossy Ford.
Program effective July 7, 2026 through December 31, 2026. Not a guaranteed approval — standard underwriting guidelines, eligibility requirements, and program terms apply.
Get Pre-QualifiedBuilt to Remove the Usual Barriers to Ownership
Ford Credit designed this program specifically for qualified new-to-market customers — with more competitive rates, an easier path to approval, and less required upfront.
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More competitive rates — Financing rates that are more competitive than first-time buyers might otherwise receive, helping keep monthly payments manageable.*
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Expanded program eligibility — Making it easier for buyers with limited credit history to qualify
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Reduced upfront requirements, including a low minimum cash down payment of just $750.
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Model-specific rebates — Cash rebates on select models to help reduce overall costs, based on current incentive programs.
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Support at every step — Mossy Ford's sales and finance team will walk you through every step, start to finish.
Eligible Vehicles
The program covers a wide range of popular new Ford models, plus qualifying used inventory:
- Bronco
- Bronco Sport
- Escape
- Explorer
- F-150
- F-150 Lightning
- Maverick
- Mustang
- Mustang Mach-E
- Ranger
Also eligible: qualifying used Ford Blue Advantage and Lincoln Certified Pre-Owned vehicles. See Mossy Ford for complete details on current inventory.
Buying your first car is a huge moment — we want people to drive off in something they're genuinely excited about.
~ Miguel Brookes, Vice President Marketing & Brand, Ford Credit
Talk to Our Team
Have questions about eligibility or want to see what you qualify for? Mossy Ford's finance team is ready to help.
Get Pre-QualifiedSubmit your info and a member of our team will follow up about next steps
*Not a guaranteed approval. Standard underwriting guidelines apply. Eligibility requirements and program terms apply.
About Ford Motor Credit Company
Ford Motor Credit Company is a leading automotive financial services company, providing dealer and customer financing to support the sale of Ford Motor Company products around the world — including Lincoln Automotive Financial Services in the U.S., Canada, and China, and Ford Pro FinSimple for commercial customers in North America and Europe. Ford Credit is a subsidiary of Ford established in 1959. fordcredit.com · lincolnafs.com
About Mossy Ford / Dealer Group
Transparency
We believe in being upfront in all of our interactions with our Customers.
Neighborly Market-Based Pricing:
We price all of our vehicles based on the average transaction price of the vehicle in our market.
This means there is..
no need to negotiate!
Respect
We believe respect comes from practicing the Golden Rule: Treat others the way you would want to be treated. Respecting time and giving back are two ways we do business the Neighborly way.
Neighborly way of giving back:
Each year we select three different charities. With each vehicle purchased, we allow our clients to vote on which charity they would like to support. At the end of each year, we will donate a portion of our proceeds prorated based on the results of the surveys.
Trust
Mossy is a 5th generation family business. Our goal is to keep serving our community well into the future. The best way to do that is to do business the Neighborly way...
Neighborly satisfaction... 72 Hours to exchange*:
Even though it is expensive to take a vehicle back, we want you to be happy with your purchase. If for some reason you don't like what you purchased, we will allow you to exchange it for another Mossy vehicle. Requirements:
*Requirements: 1.Must be within 72 hours of the purchase. 2.Must be within 200 miles of the purchase. 3.Must have no damage to the vehicle. 4.Only 1 exchange allowed per purchase.
Disclaimer:
*Not guaranteed approval. Standard underwriting guidelines apply. Eligibility requirements and program terms apply. First-Time Buyer program runs through December 31, 2026. See Mossy Ford for complete details.
© 2026 Ford Motor Credit Company. This page was prepared to support local First-Time Buyer Program marketing and is intended for a single authorized dealer.