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Overall Score

LAST UPDATED: October 1st, 2022

Ford Motor Credit Company LLC (Ford Credit) has been in business with its parent company, Ford Motors, since 1959. Ford Credit is concentrated on offering different loan and lease options to consumers who purchase from dealerships that sell Ford Motor Company products.

Ford Credit also is responsible for the lines of credit offered to Lincoln Automotive Financial Services for Lincoln vehicles.

Ford Credit's website is focused on educating consumers on the available financing options, suggesting available credit options, and referring consumers to their local Ford dealership.

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The Good

  • Financial Tools
  • Advantages
  • Additional Loan Options

Financial Tools

Ford Credit supplies basic online information to help you calculate the best loan option for your new Ford vehicle. They offer financial tools such as budget calculators, payment estimations, and credit tests. Ford Credit also offers articles that give you an overview of your financial needs so you can be informed when you visit a dealership.


  • Online financing education available
  • Credit "test run" available to estimate ability to qualify before applying
  • Face-to-face advice from a dealership representative
  • Mobile account management
  • Online instant messaging customer service
  • Excellent customer service ratings
  • Extended service plans available

Additional Loan Options

Not only does Ford offer these great options, but you can add different options into your loan at the dealership. This means you can include aftermarket accessories, extended service plans, rustproofing, or sealant packages into the total amount financed. Additionally, Ford Credit offers an online pre-approval email so your trip to the dealership can be as quick as possible.


The Bad

  • Loan Restrictions
  • Disadvantages
  • Lacks Money Management Software
  • Lack of Transparency

Loan Restrictions

First thing to keep in mind, if you are looking to qualify for a loan from Ford Credit you must purchase a vehicle from a certified Ford dealership. Additionally, Ford Credits website has a lot of information to prepare you for taking out a loan. However, no concrete loan information will be disclosed until you visit a Ford dealership.


  • No online loan application
  • Acquisition Fee (dealership fee) is included in the vehicle purchase cost
  • No advertised promotional deals to help save a little extra money
  • Minimal payment information disclosed until you meet with a salesperson
  • No money management software

Lacks Money Management Software

Although Ford Credit offers a reliable credit option through Ford Motors, it lacks the money management software and other associated financial perks that a bank or credit union would supply. Your APR will depend on your experience at your local Ford dealership. Often times the sales environment of a dealership causes people to agree to loan options that might not be the best for them.

Lack of Transparency

Ford Credit is missing a great deal of information on their website. It is difficult for potential customers to make a decision based on the lack of information given on the website. It is also difficult for our team to rank their services in the industry. We would like to see more information regarding possible APRs, loan terms, loan amounts, application fees, and etc.


The Bottom Line

Ford Credit has some great advantages such as their financial tools, and great customer service. However, their total lack of transparency, and loan restrictions causes us some concern. We would like to see Ford Credit be more up-front about their APR, loan terms, loan amounts, and application fees. For these reasons, we do not recommend using Ford Credit at this time.
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Nicholas Genes Eagle Mountain, UT

Ford credit gave me a terrible APR for a great credit score. I had to go with a no credit option to get any benefits then switch the loan after I got it. Not my first option if I can help it.

2 years ago

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Randal hyde Springfield, MO

I got a car loan from Ford Credit. I think that the interest rate isn't that competitive, but it was easy to apply and easy for me to get approved. Customer service was easy to work with.

3 years ago

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Pretty good gave good value just some employees were as knowledgeable. Once you found the right person it was great. Just tskes time and notes were rarely updated.

4 years ago

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courtney tennant Salem, VA

Ford Credit has very high interest rates, but knocked off $3000 because they took so long to get back with me

1 year ago

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Jacqueline Nave

Customer service is not greatDifficult to talk with anyone in person. Usually just get a telephone may need.

4 years ago

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Gary Whitney

i had some issues wirh the equifax leak and cancer losing money and Ford would not work with us

4 years ago

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patricia kutner

my first lease and I did not understand the value for my money great car, poor salesperson

4 years ago

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Cc Youngstown, OH

Issue taken care of. Slow process.

1 year ago