Coughlin Ford of Circleville

Call 740-889-1058 Directions

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

Contact Us


Buying your first vehicle should be exciting — not stressful. At Coughlin Ford of Circleville, 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.

First Time Car Buyer Program - Coughlin Ford of Circleville

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 Benefits

  • Easier Financing Approvals: Designed for buyers without an auto loan history, helping you get approved through Ford Credit.
  • Competitive Rates: You may qualify for a special rate benefit up to a maximum Tier 2 rate, depending on eligibility.
  • Manageable Payments: Structured to fit real budgets so you can enjoy your first vehicle without stress.
  • Build Your Credit: On-time payments help establish or improve your credit score for the future.
  • Cash Bonus Offers: Qualifying buyers may receive bonus cash toward your purchase or lease on eligible models (amount varies by time and availability).

Who Qualifies?

To participate in the Ford First Time Car Buyer Program, you generally need:

  • No prior auto financing or tradelines showing on your credit report.
  • No major derogatory credit events such as recent bankruptcies or severe delinquencies.
  • Verifiable income that’s sufficient to cover vehicle payments and living expenses.
  • Proof of stable employment for at least six months.
  • A minimum customer cash 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.

2026 Ford Explorer

Eligible Vehicles

Most new 2025 and 2026 Ford models — including favorites like the Bronco Sport, Escape, Maverick, Mustang Mach-E, 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 Circleville at (740) 207-2098 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 Circleville or call us today to learn how the First Time Car Buyer Program can work for you!

Frequently Asked Questions

Do I need a co-signer as a first-time buyer?

Not always. Some first-time buyers are approved without a co-signer, depending on income and other qualifications. If additional support is needed, a co-signer may help improve approval terms.

What documents do I need to buy my first car?

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 Circleville will guide you through exactly what’s needed.

What interest rates can first-time buyers expect?

Interest rates vary based on credit profile, income, loan term, and current incentives. First-time buyer programs are designed to offer competitive rates for buyers without previous auto loan history, though rates are not guaranteed.

Can students or recent graduates qualify as first-time buyers?

Yes. Students or recent graduates may qualify if they have verifiable income or meet program requirements. Our finance specialists can review your options and help find a solution that fits your situation.

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, and license charges. ‡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.