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J.D. Power Awards for Ford Credit, Lincoln AFS Demonstrate Our Customer Focus

Nov 13, 2025


Ford Credit and Lincoln Automotive Financial Services were named the top ranked teams in the J.D Power 2025 U.S. Automotive Financing Satisfaction Study, with Ford Credit earning recognition in the mass market segment and Lincoln AFS* in the premium segment.

My first job at Ford Credit was as a customer service representative, a humbling responsibility where I learned my voice sometimes was what customers were seeking to make their lives easier, solve a problem or provide relief. Thirty years and many assignments later, working directly with the people who trust us to finance their vehicles and help them through the ownership experience still guides the way I approach everything I do at Ford Credit.

And I’m not the only one. Today, we have 6,000 employees working around the world. Putting our customers first is the mission of our team members on the front lines and the bedrock of our entire organization. Every day, we work to make the customer journey of vehicle financing and ownership better than the day before — from contract inception, to bill paying, to helping customers through tough times, to assisting them in getting that next vehicle when the time comes.

The Human Element

This means we work hard to understand and serve the person on the other end — the real live human with stresses and dreams and complex lives. We do that to understand how we can make the vehicle financing and ownership experience a net positive for those customers and drive continuous improvement in our business.

Every customer story is different, and every call counts.
Paula Kuehne
Ford Credit customer service employee
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This includes building easy digital tools for customers who want to handle simple processes themselves and making our service faster and more efficient when they want to contact us. It also includes ongoing coaching and training to ensure our representatives are equipped to listen, understand, and serve with a personal touch and compassion.

Paula Kuehne has spent 13 years with Ford Credit's customer service team. Today, she’s an operations manager leading a team that takes thousands of customer calls every day.

“Every customer story is different, and every call counts. One interaction can make a huge difference in a customer’s life,” she says. “That’s why I’m passionate about customer care, and that’s why it will always be foundational to our business.”

The Right Thing to Do

Paula is right. Over the years, I have saved letters from customers thanking us for helping them through some of their darkest hours. These letters are a great reminder that meaningful customer service experiences are as important to us as they are to our customers. And when our customers give us feedback, we listen.

That’s why we are so honored that our Ford Credit and Lincoln Automotive Financial Services teams have just repeated as the top ranked teams in the J.D Power 2025 U.S. Automotive Financing Satisfaction Study — Ford Credit in the mass market segment and Lincoln AFS* in the premium segment.

Based on customer feedback, Ford Credit had the No. 1 ranking in seven of the eight dimensions in the study, plus overall satisfaction. Lincoln AFS ranked at the top of three dimensions, as well as overall satisfaction. Find more details here.

We don’t do what we do for awards, but when customers tell us we’re doing good work, it’s gratifying and inspires us to keep improving and keep earning our customers’ trust and loyalty.


Jim Spangler is Ford Credit vice president of North America Business Operations.

*Tied in 2025.