Coughlin Ford of Pataskala

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First Time Car Buyer

Sales
Day Open Closed
Monday 9:00AM 8:00PM
Tuesday 9:00AM 8:00PM
Wednesday 9:00AM 8:00PM
Thursday 9:00AM 8:00PM
Friday 9:00AM 6:00PM
Saturday 9:00AM 6:00PM
Sunday Closed Closed

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Buying your first car should be fun — not overwhelming. At Coughlin Ford of Pataskala, we’re excited to offer our First-Time Buyer Program, created to help those with little or no credit history drive away in a new Ford confidently and easily.

Our team partners with Ford Credit to help eligible first-time buyers obtain financing with competitive rates, affordable payments, and expert support throughout the entire process.

First Time Car Buyer Program - Coughlin Ford of Pataskala

Drive Your First Ford with Confidence

The First-Time Car Buyer Program is designed to help individuals with little or no credit history or prior auto financing get approved for a new Ford vehicle. Through Ford Motor Credit Company, this program offers customized financing options that make buying your first car easier and more budget-friendly.

Advantages of First Time Car Buying with Ford

  • Easy Financing Approvals: Designed for first-time buyers with little or no auto loan history, making approval through Ford Credit more straightforward.
  • Competitive Interest Rates: You could qualify for a special rate, potentially up to the maximum Tier 2 rate, depending on eligibility.
  • Budget-Friendly Payments: Financing is structured to fit your budget, so you can enjoy your new vehicle comfortably.
  • Build Your Credit: On-time payments can help strengthen or establish your credit score for the future.
  • Bonus Cash Offers: Qualifying buyers may receive bonus cash to use toward their purchase or lease on select models (amounts vary based on availability and timing).

Who Can Apply?

The Ford First-Time Car Buyer Program is generally available to those who meet the following requirements:

  • Little to no previous auto loan or trade line history on your credit report.
  • No major negative credit events, such as recent bankruptcies or seriously delinquent accounts.
  • Proof of income sufficient to cover vehicle payments and regular living expenses.
  • Consistent employment for at least six months.
  • A minimum down payment may be required (for example, $1,000 or more, depending on program terms).

Meeting eligibility criteria does not guarantee approval. Final terms are based on Ford Credit review.

2026 Ford Mustang

Eligible Ford Models

Most new 2025 and 2026 Ford models — including favorites like the Bronco, Bronco Sport, Escape, Explorer, and Ranger — are often available through the program when financed or leased with Ford Credit. Certified Pre-Owned Ford Blue Advantage® vehicles may also qualify.

How to Get Started

  • 1. Contact Our Sales Team Visit, fill out our Contact Us form, or call Coughlin Ford of Pataskala at 380-227-5024 to speak with a First Time Buyer Specialist
  • 2. Pre-Qualify With Ford Credit: We’ll help submit your information to get personalized terms and see what you qualify for. Fill out our Credit Application form to get started.
  • 3. Choose Your Ford: Pick the new Ford car, truck, or SUV that fits your lifestyle and budget.
  • 4. Finalize Your Financing: Our team will walk you through your loan or lease paperwork and help you drive home happy.

Your Journey to Driving a Ford Begins Here

Whether this is your first time buying a car or you’re building your credit, we’re here to help. Stop by Coughlin Ford of Pataskala or call us today to learn how the First Time Car Buyer Program can work for you!

Frequently Asked Questions

Can I qualify if I have no credit history?

Yes! The program is specifically designed for buyers with little to no auto credit history.

What documents do I need to buy my first car?

Most first-time buyers should be prepared to provide:

  • A valid driver’s license
  • Proof of income (recent pay stubs or bank statements)
  • Proof of employment
  • Proof of residence
  • A down payment, if required

Our team at Coughlin Ford of Pataskala will guide you through exactly what’s needed.

How much of a down payment do I need?

A minimum down payment may be required, typically starting around $1,000, but it can vary based on eligibility and program terms.

Are there special financing rates for first-time buyers?

Yes. Qualified buyers may be eligible for competitive rates, potentially up to the maximum Tier 2 rate, depending on eligibility.

Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title, and license charges. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week.