First Time Buyers Program

At Skalnek Ford, we understand that buying your first car is an exciting time, but can also be a daunting task. However, Ford Motor Credit is here to help with the First Time Buyers Program. A program designed to assist those who have little to no credit, and are looking to purchase their first vehicle. We would be more than happy to walk you through each step of the car buying process, and make sure the purchase of your first vehicle is a informed and hassle-free decision. 


Customer Eligibility
Applicants are evaluated based on their individual creditworthiness and must meet the following criteria:

  • No prior auto credit on bureau
  • No major derogatory credit
  • Verifiable monthly income sufficient to cover vehicle payment, ordinary living expenses, and all outstanding debt.

FTB Co-Buyer Tier 2 Guaranty Program
To qualify for the Co-Buyer Tier 2 Guaranty program, the applicant must be contracted with a co-buyer who meets the following qualifications:

  • Minimum 680 credit bureau score
  • Minimum of 5 years of current credit history on the co-buyer's credit bureau; excluding authorized user and deferred student loan accounts
  • No major derogatory credit
Vehicle Eligibility

  • For the FTB program, all new Ford vehicles are eligible.
  • For the FTB Co-Buyer Tier 2, Guaranty program, vehicle eligibility may vary.

If you have any questions or want to get started on the process, Skalnek Ford is here to assist you.  Give us a call at (888)-973-2258 or send in an inquiry!


Skalnek Ford

941 South Lapeer
Directions Lake Orion, MI 48362

  • Sales: (877) 725-7110
  • Service: (248) 841-8801
  • Parts: (877) 561-0805

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