First Time Car Buyer Program
| Sales | ||
| Day | Open | Closed |
| Monday | 9:00AM | 8:00PM |
| Tuesday | 9:00AM | 8:00PM |
| Wednesday | 9:00AM | 8:00PM |
| Thursday | 9:00AM | 8:00PM |
| Friday | 9:00AM | 6:00PM |
| Saturday | 9:00AM | 6:00PM |
| Sunday | Closed | Closed |
Buying your first vehicle should be exciting — not stressful. At Coughlin Ford of Heath, we’re proud to offer our First Time Car Buyer Program designed to help people with limited or no auto credit history get into a new Ford with confidence and ease.
Our team works with Ford Credit to help qualified first-time buyers secure financing with competitive terms, manageable payments, and expert guidance every step of the way.
What Is the First Time Car Buyer Program?
The First Time Car Buyer Program helps people who have little to no credit or no prior auto financing history get approved for a new Ford vehicle. This program provides tailored financing benefits through Ford Motor Credit Company that make your first car purchase simpler and more affordable.
Key Advantages
- Simplified Financing Approvals: Perfect for first-time buyers with no previous auto loan history, making it easier to get approved through Ford Credit.
- Attractive Rates: You might qualify for a special rate, potentially reaching up to the maximum Tier 2 rate, depending on your eligibility.
- Affordable Payments: Payments are designed to match your budget, so you can enjoy your new vehicle without financial strain.
- Boost Your Credit: Timely payments can help you build or enhance your credit score for the future.
- Bonus Cash Incentives: Eligible buyers may receive bonus cash to apply toward their purchase or lease on select models (amounts vary based on availability and timing).
Who is Eligible?
To qualify for the Ford First Time Car Buyer Program, you typically need to meet the following criteria:
- No previous auto loans or trade lines listed on your credit report.
- No significant negative credit history, such as recent bankruptcies or serious overdue accounts.
- Verifiable income that is enough to cover both vehicle payments and your regular living expenses.
- Stable employment for at least six months.
- A minimum down payment may be required (e.g., $1,000 or more, depending on program terms).
Meeting eligibility criteria does not guarantee approval. Final terms are based on Ford Credit review.
Eligible Vehicles
Most new 2025 and 2026 Ford models — including favorites like the Bronco, Bronco Sport, Escape, Explorer, and Ranger — are often available through the program when financed or leased with Ford Credit. Certified Pre-Owned Ford Blue Advantage® vehicles may also qualify.
How to Get Started
- 1. Contact Our Sales Team Visit, fill out our Contact Us form, or call Coughlin Ford of Heath at 740-784-4642 to speak with a First Time Buyer Specialist
- 2. Pre-Qualify With Ford Credit: We’ll help submit your information to get personalized terms and see what you qualify for. Fill out our Credit Application form to get started.
- 3. Choose Your Ford: Pick the new Ford car, truck, or SUV that fits your lifestyle and budget.
- 4. Finalize Your Financing: Our team will walk you through your loan or lease paperwork and help you drive home happy.
Your Journey to Driving a Ford Begins Here
Whether this is your first time buying a car or you’re building your credit, we’re here to help. Stop by Coughlin Ford of Heath or call us today to learn how the First Time Car Buyer Program can work for you!
Frequently Asked Questions
Yes! Students and recent graduates are often eligible for the Ford First-Time Car Buyer Program. At Coughlin Ford of Heath, we understand that starting your car ownership journey is an important step, so we offer flexible financing options to help you get behind the wheel. Whether you’ve just graduated or are still in school, our team is here to help you qualify for the car you want!
Most first-time buyers should be prepared to provide:
- A valid driver’s license
- Proof of income (recent pay stubs or bank statements)
- Proof of employment
- Proof of residence
- A down payment, if required
Our team at Coughlin Ford of Heath will guide you through exactly what’s needed.
First-time buyers at Coughlin Ford of Heath may qualify for competitive rates based on their credit profile. Rates can vary depending on eligibility, but our finance team will work closely with you to find the best terms. Special financing offers are often available, so make sure to ask about any current promotions when you visit!
Yes! Even as a first-time buyer, you may be able to trade in your current vehicle to help reduce the cost of your new car purchase. Coughlin Ford of Heath offers fair trade-in values and will apply the equity from your trade-in toward your down payment or car loan. This can be a great way to lower your monthly payments or even cover your down payment entirely!