Ford First-Time Buyer Program

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Larson Ford Makes Buying Your First Car Simple

At Larson Ford, we believe everyone deserves a confident and stress-free start to their driving journey—especially first-time buyers. That’s why we proudly offer the Ford First-Time Buyer Program, designed to help customers with little or no credit history finance a new or used Ford with ease. Whether you're shopping for your first SUV, truck, EV, or compact vehicle, our team ensures a smooth process with lower down payments, manageable monthly costs, and competitive interest rates that fit your life and budget.

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Program Benefits

The First Time Buyer Program offers several advantages to eligible first-time buyers:

Lower initial down payment: Making it easier to get started with less cash upfront.
Lower monthly payments: Provides more affordable ongoing costs.
Lower interest rates: Reduce the overall cost of the loan.
Credit Building: Successfully making payments through the program allows buyers to build a credit history, which can help with future financing needs.
Additional rebates: Some models, like Escape, Ranger, EcoSport, and Maverick, may be eligible for an additional $500 rebate with a minimum $500 down payment.

Who Qualifies for the Ford First-Time Buyer Program?

The program is designed specifically for customers who are beginning their credit journey. Ford Credit outlines the following requirements:

Eligibility Requirements

No Prior Auto Credit: Applicant must have no previous auto loan or lease history on their credit report.
No Derogatory Credit: Applicant must not have any significant negative items on their credit report. (e.g., prior charge off, bankruptcy, current delinquency)
Proof of Income and Residence: Must be verified at the time of credit offering. Applicant’s income must be sufficient to cover the payment of the vehicle.
Employment History: Applicant must have a minimum of 6 consecutive months on the job.

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Start Your First Car Purchase at Larson Ford

Located in Lakewood, NJ, Larson Ford is a trusted dealership for first-time buyers across Brick Township, Jackson, Toms River, Manchester, Point Pleasant, and the greater Jersey Shore region. Our finance specialists take time to explain every option clearly and guide you through each step—no pressure, no surprises, just total support.

Whether you're exploring a versatile Ford Escape, a stylish Mustang Mach-E, a capable Ranger, or the compact and budget-friendly Maverick, we help match you with the perfect first vehicle at a payment you feel comfortable with.

Visit Larson Ford Today

1150 Ocean Ave , Lakewood, NJ 08701
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Customer rate benefit: Max tier 2 rate (standard or subvened). Model eligibility (NEW): MY-25-26: Bronco Sport, Escape, Maverick, Mustang Mach-E, & Ranger. Model eligibility (CPO): Ford FBA: Bronco Sport, Edge, Escape, Maverick, Mustang Mach-E, & Ranger. Personal use vehicles only eligible. Maximum terms: Retail/72 months, Flex Buy/66 months, Lease/36 months. Max advance 100% before add-ons. Minimum FICO score of 640 required. Max payment to income: 22%. Minimum $1,000 customer cash down payment (excludes rebate and trade equity). Not eligible for 90-day deferred, CSPP, or FELP programs. Eligibility does not guarantee credit approval. Additional First-Time Buyer incentives are available to qualified customers. Visit Smart VINCENT for details. Dealer must claim natural Ford Credit tier in Smart VINCENT.

VEHICLE DATA Certain specifications, prices and equipment data have been provided under license from Chrome Data Solutions (\'Chrome Data\'). © 2016 Chrome Data Solutions, LP. All Rights Reserved. This information is supplied for personal use only and may not be used for any commercial purpose whatsoever without the express written consent of Chrome Data. Chrome Data makes no guarantee or warranty, either expressed or implied, including without limitation any warranty of merchantability or fitness for particular purpose, with respect to the data presented here. All specifications, prices and equipment are subject to change without notice. ESTIMATE MPG EPA mileage ratings are supplied by Chrome Data Solutions, LP for comparison purposes only. Your actual mileage will vary, depending on how you drive and maintain your vehicle, driving conditions, battery pack age/condition (hybrid models only) and other factors. PRICING Vehicle pricing is believed to be accurate. Tax, title and registration are not included in prices shown unless otherwise stated. Manufacturer incentives may vary by region and are subject to change. Vehicle information & features are based upon standard equipment and may vary by vehicle. Monthly payments may be higher or lower based upon incentives, qualifying programs, credit qualifications, residency & fees. No claims, or warranties are made to guarantee the accuracy of vehicle pricing, payments or actual equipment. Call to confirm accuracy of any information.

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. Prices include all costs to be paid by a consumer, except for licensing costs, registration fees, and taxes. ‡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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