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By Kelly Saunders
Fleet Sales and Tehachapi Resident 

First-Time Buyer Program

Kieffe & Sons Ford


Buying a car is one of the most important financial decisions you'll ever make. That decision gets even bigger when you've never done it before. But here's the good news! At Kieffe and Son's Ford you'll find answers to all your questions as well as helpful tips to make your vehicle purchase a smooth and enjoyable experience.

Ford's First-Time Buyer Program goal is to get you into the vehicle – and finance option that's right for you. Not everyone will qualify, but it's comforting to know that you may buy a new car, suv or truck, or in some instances, a certified pre-owned Ford with no or minimal credit!

Although, I cannot guarantee approval, I can guarantee that you will be treated with dignity and respect regardless of the outcome. At Kieffe, we don't do the "Playhouse 90" act. You deal with one representative (me) throughout the entire purchasing process; from test-drive to financing. Also, I am happy to bring and show you our product to your home or business.

Below are Ford Motor Credit's First-Time Buyer eligibility requirements:

Confirmation of no prior automotive credit on their bureau.

Confirmation of no major derogatory credit.*

Minimum verifiable full-time six months on current job.

Vehicle payment cap is $400 per month.

Payment to income ratio is 18% maximum.

Debt to income ratio of 50% or less (including rent in total debt calculation.)

Maximum advance of 100% of dealer invoice.

Minimum $500 cash down (not including any dealer or manufacturer rebates, can include trade equity.)

Limited to New Ford and Lincoln vehicles .

Maximum term is up to 75 months (low APR and Standard Rate) where applicable.

Vehicle Eligibility*

(U.S.) All new Ford vehicle or (Ford Certified Pre-Owned (under certain conditions).

Personal use contracts only.

*Not all will qualify. Other terms and/or conditions may apply.

Please contact Kelly Saunders directly at (661) 822-5543 to confirm eligibility.


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