First Time Buyer and College Student Financing Programs





At Pat Milliken Ford our goal is to make your first buying experience simple and hassle-free. That is why we are pleased to offer the following financing programs for First Time Buyers, College Students and Recent College Graduates.

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First Time Buyer Program

  • With the First Time Buyer program, credit is available to individuals who may not otherwise qualify since they have little or no credit history.
  • Buyers have the option to purchase or lease their first vehicle.
  • In addition, the program offers a $500 match on a first time buyer's down payment on select new Ford vehicles.
  • In order to qualify the first-time buyer must have six months on the job or a qualified co-buyer as well verifiable monthly income that is sufficient to cover the vehicle payment, ordinary living expenses and any currently outstanding debt.
  • Final credit decision is at the judgment of Ford Motor Credit.

College Student Purchase Program

  • With the College Student Purchase Program, credit is available to college students and recent graduates who may not otherwise qualify since they have little or no credit history.
  • Buyers have the option to purchase or lease their first vehicle.
  • ALL full-time and part-time college students, recent college or trade school graduates and current graduate school students are eligible.
  • Eligible schools include any Four-Year College/University, Junior College, Community College, Trade School or Graduate School.
  • Individuals eligible to participate in the College Student Purchase Programs receive finance rates as low as 0% even if they have little or no credit history.
  • In addition, the program offers a $500 rebate on select new Ford vehicles in addition to all public offers.
  • Final credit decision is at the judgment of Ford Motor Credit.