Our New Financing Program Offers Customers 0% Up Front — Here's How It Works

Picture this. 

Arthur’s routine oil change turns into a surprise expense when his service advisor flags worn tires and brake pads on his F-150. Lisa wants to add a roof rack and off-road lighting to her Bronco, but paying for the accessories out of pocket doesn’t feel realistic. Home charging covers most of Judith’s Mach-E needs, with public top-offs rounding out a cost as predictable as a tank of gas once was.

Sound familiar? These may be hypothetical scenarios, but the moments themselves are universal to vehicle ownership: the unexpected service bill; the accessory you’ve been dreaming about; the small, recurring costs you’ve quietly absorbed.  

Ford has always looked for ways to support customers through moments like these. We believe deeply that you deserve an ownership experience as seamless, rewarding, and accessible as the cars we build. That thinking is what led us to team up with fintech leader Bread Financial to launch a loan installment program and Ford Rewards Visa Signature™ Credit Card. 

The loan installment program offers 0% APR financing for those who qualify with no money out of pocket upfront. Just scan a QR code, apply, and get pre-approved. It’s a meaningful departure from most financing options, which typically require some payment upfront. 

The benefits are immediate for cardmembers who can accelerate their points earning on purchases. There are no sign-up fees, and new cardholders receive a bonus of 15,000 points (roughly a $75 value) when they make a purchase within the first 90 days of account opening. And after spending $1,500 in that same time frame, they receive a $100 statement credit.  

From there, cardholders can earn up to 16 points per dollar spent on Ford.com and Ford dealership service purchases, with additional rewards on everyday spending categories, such as groceries, restaurants, gas, and electric vehicle charging. The application process is just as seamless. Customers can check if they pre-qualify for the card via the Ford app, Ford.com, or by scanning a QR code at the dealership — with no impact to their credit score. 

What started as a question — how do we continue to level up the Ford ownership experience? — became something bigger: a technology-forward financing program designed around the reality of ownership. For Arthur, it means walking into the service lane without breaking into a cold sweat. For Lisa, it means one less thing standing between her and the Bronco of her dreams. And for Judith, it means earning rewards on a cost she was paying anyway. 

Click here to learn more.

Beth Leverton is Director of Rewards and Loyalty for Ford Motor Company.