# Ford Credit

> Ford Credit is Ford Motor Company’s automotive finance subsidiary. It finances and leases vehicles for retail and commercial customers, funds dealer inventory, and supports Ford and Lincoln sales through its dealer relationships. Its planned Utah industrial bank received conditional regulatory approval in January 2026.

- **Founded:** 1959
- **Headquarters:** Dearborn, United States
- **Founders:** Ford Motor Company (Founding parent company)
- **Products:** Retail vehicle financing, Red Carpet Lease, Flex Buy, Ford Pro FinSimple, Dealer financing
- **Notable:** Ranked highest among mass-market lenders in the J.D. Power 2025 U.S. Automotive Financing Satisfaction Study, scoring 714 out of 1,000., Began in 1959 with 12 people, according to Ford Credit’s January 2026 bank announcement., Conditional approvals for the planned Ford Credit Bank received from the FDIC and Utah regulator on January 22, 2026.

## Products & services

- **Retail vehicle financing** — Installment financing for eligible new and used vehicles through dealers.
- **Red Carpet Lease** — Ford vehicle leasing with contractual mileage, wear and end-of-term conditions.
- **Flex Buy** — A purchase financing structure with lower payments during the first three years than a comparable standard purchase, followed by higher payments.
- **Ford Pro FinSimple** — Commercial financing and leasing, including a Commercial Line of Credit with extended preapproval for multiple vehicles for up to a year.
- **Dealer financing** — Wholesale inventory financing and other lending for automotive dealers.
- **Charging Infrastructure Plan** — Financing for qualifying commercial EV charging costs, including equipment and installation.
- **Online prequalification and Account Manager** — Digital financing eligibility checks, applications and account servicing.
- **Ford Credit Bank** — Planned Utah industrial bank; conditional approvals received January 22, 2026. Intended deposit products and indirect auto financing are future offerings in the announcement.

## Achievements

- Ranked highest among mass-market lenders in the J.D. Power 2025 U.S. Automotive Financing Satisfaction Study, scoring 714 out of 1,000.
- Began in 1959 with 12 people, according to Ford Credit’s January 2026 bank announcement.
- Conditional approvals for the planned Ford Credit Bank received from the FDIC and Utah regulator on January 22, 2026.

## Latest updates

- **2026-07** — Second-quarter EBT was $757 million; Ford’s outlook called for Ford Credit full-year EBT above $2.5 billion. These are reported results and guidance, respectively.
- **2026-02** — Ford reported Ford Credit FY2025 EBT of $2.557 billion.
- **2026-01** — FDIC and Utah conditionally approved the proposed Utah industrial bank. Initial paid-in capital must be at least $1.5 billion; the minimum tier 1 leverage ratio is 15%.
- **2025-11** — Ford Credit ranked first among mass-market lenders in the J.D. Power financing satisfaction study.
- **2025-10** — Ford Credit explained the production of its Sign Here campaign, featuring tire-track signatures made by a Bronco Raptor and Mustang Dark Horse.

## Links

- Website: https://www.ford.com/finance/
- LinkedIn: https://www.linkedin.com/company/ford-motor-credit-company/
- Twitter/X: https://x.com/FordCredit
- YouTube: https://www.youtube.com/user/ford
- Instagram: https://www.instagram.com/ford/
- Facebook: https://www.facebook.com/FordMotorCompanyCareers
- TikTok: https://www.tiktok.com/@ford

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Profile page: https://yespress.io/ford-credit
Published by YesPress — https://yespress.io
Last updated: 2026-10-23