Overview

• Ford confirmed special financing that offers some buyers with FICO scores below 620 rates typically reserved for higher-credit customers.
• The promotion runs through the end of September and the specific rate depends on the contract terms, according to Ford Credit.
• Ford Credit says promotional rates do not affect credit decisions and reports only 3% to 4% of its loans since 2024 went to higher-risk borrowers, with an average customer FICO of 748 in the first half.
• Affordability pressures persist as average new auto loan rates hover near 9% and subprime rates around 18% to 20%, while Ram, Chevrolet, and GMC advertise low or 0% offers through month-end.
• The push comes as F-Series sales are up 12.7% year-to-date but fell 3.4% in August, alongside recent recalls and workforce cuts tied to Ford’s Cologne EV plant.