Take advantage of the exceptional offers and benefits that come with Phil Long Ford of Denver’s Industry Leading First-Time Buyers Program.
Your first ride starts here.
Phil Long Ford of Denver is here to help you get behind the wheel with the Ford First-Time Buyer Program!
Get $750 BONUS CASH* on eligible new Fords, plus a low APR*, a low down payment, and no cosigner required for qualified buyers**!
Questions first? Talk to a first-time buyer specialist or prequalify with Ford Credit (no impact to your credit score).
- Low APRQualified applicants may be eligible for a lower APR*. Select flexible terms up to 84 months**.
- $750 Bonus CashReceive $750 bonus cash on eligible new Ford vehicles*, which can be combined with active programs or offers.
- No CosignerNo cosigner required for qualified buyers**. No prior auto credit needed.
- Low Down PaymentMinimum $750 down payment.
- More ChoicesFinance up to $50,000**, giving you more room to explore eligible Ford vehicles.
Pick your starting lineThree Ways to Get Rolling
Start your financing application online, and we’ll help you explore the First-Time Buyer Program.
Eight new Ford models qualify for the $750 bonus cash. Find the Ford that fits your lifestyle and gets you moving.
A Phil Long Ford of Denver specialist can walk you through your options as a first-time buyer, with no obligation.
Do you qualify?The Short List
- No auto loan or lease history on your credit report
- No adverse credit history
- Six months of verifiable, current full-time employment
- Minimum FICO® score of 620
- At least $750 down
- U.S. resident
We’re here to help you get started.
Our first-time buyer specialists are here to help you understand your options and take the next steps toward your first Ford. We’ll walk you through the process and let you know if proof of income or other documents are needed.
$750 bonus cash eligible*Find Your First Ford
Compact pickupMaverick®2026–2027
Small SUVBronco Sport®2025–2027
Off-road SUVBronco®2025–2027 · excludes Raptor® & 2026 Bronco Filson™
Midsize pickupRanger®2025–2027 · excludes Raptor®
Sports carMustang®2026–2027
All-electric SUVMustang Mach-E®2026–2027
Three-row SUVExplorer®2026–2027
Full-size pickupF-150®2026–2027 · excludes Raptor®Prefer pre-owned? Select Ford Certified Pre-Owned vehicles can also be financed through the program. Eligibility depends on the vehicle, so ask us which certified Fords qualify. Bonus cash applies to new vehicles only. Shop Certified Pre-Owned Fords
Found the one? A specialist can check your eligibility and show you real numbers on that vehicle.
Check My Eligibility
How it worksFrom First Look to First Ride
- Apply or reach outStart your finance application online, or contact Phil Long Ford of Denver by phone or online.
- Get your real numbersWe confirm your eligibility and show you rates, payments and your $750 bonus cash on an eligible new Ford.
- Take your first rideDrive home in your first Ford. We’ll help you set up your Ford Credit account so you can manage payments online or in the app.
What to bring to the dealership
Before visiting the dealership, gather the documents you’ll need. This includes your driver’s license, proof of insurance and income, and any financing or trade-in information.
Apply, call or talk to a specialistVisit Phil Long Ford of Denver
Phil Long Ford of Denver
7887 W Tufts Ave, Denver, CO 80123
Sales: Monday–Saturday, 9am–9pm · Sunday closed
Colorado Drives Phil Long.
Why buy your first Ford from Phil Long Ford of Denver?
Phil Long Ford of Denver is part of Phil Long, a family-owned dealership group serving drivers across Colorado and New Mexico. When you buy your first car, you shouldn’t be rushed or confused. Our finance specialists explain every number, answer every question, and help you choose a payment you’re comfortable with.
Talk to a SpecialistGood questionsFirst-Time Buyer FAQs
What is the Ford Credit First-Time Buyer Program?
It’s a Ford Credit financing program for buyers with no auto loan or lease history. Qualified buyers may get a lower APR, $750 bonus cash on eligible new Ford models, a low $750 minimum down payment, and may not need a cosigner. Not all buyers will qualify.
How do I know if I’m a first-time buyer?
If your credit report shows no auto loan or lease history, you’re likely a first-time buyer for this program. A Phil Long finance specialist can check for you.
Do I need a cosigner?
Qualified buyers don’t need a cosigner. Depending on your credit history, Ford Credit may require a cosigner or a larger down payment.
What credit score do I need?
You need a minimum FICO® score of 620, along with at least six months of verifiable, current full-time employment and no adverse credit history. Meeting these minimums doesn’t guarantee approval.
How much do I need for a down payment?
The minimum is $750. Depending on your credit history, you may be asked to put down more.
Which vehicles are eligible for the $750 bonus cash?
Eligible new models are the 2025–2027 Bronco, Bronco Sport and Ranger, plus the 2026–2027 Explorer, F-150, Maverick, Mustang and Mustang Mach-E. Raptor models and the 2026 Bronco Filson are excluded.
Can I use the program on a used vehicle?
Yes, select Ford Certified Pre-Owned vehicles can be financed through the program. Eligibility depends on the vehicle, so ask a Phil Long finance specialist which certified Fords qualify. The $750 bonus cash applies only to new vehicles.
Can I lease instead of buy?
Yes. The bonus cash applies to purchases and leases of eligible new Ford models through Ford Credit.
Can I combine the bonus cash with other offers?
The $750 First-Time Buyer Bonus Cash can be combined with other active Ford offers. It can’t be combined with Ford private offers or 90-day deferred payment programs. Ask us which offers apply to the vehicle you want.
How long is the offer available?
To get the $750 bonus cash, you must place a new retail order, or take delivery of an eligible new Ford from dealer stock, by January 4, 2027.
Will prequalifying hurt my credit?
No. Ford Credit prequalification won’t affect your credit score. A full credit application is completed when you’re ready to buy.
Can the program help me build credit?
Financing through Ford Credit and making your payments on time can help you build a positive credit history for the future.
First-Time Buyers! Your First Ride Starts Here!
Apply online, shop eligible Fords, or talk with a Phil Long Ford of Denver first-time buyer specialist today.
* $750 First-Time Buyer Bonus Cash available to customers with no current automotive history on their credit report and a minimum of six months’ time with current employer. Credit must be in good standing with a minimum FICO score of 620. Available on the purchase or lease of an eligible new 2025 Ford Bronco®, Bronco Sport®, and Ranger®; 2026-2027 Bronco, Bronco Sport, Explorer®, F-150®, Maverick®, Mustang®, Mustang Mach-E®, and Ranger only. Not available on all other Ford and Lincoln vehicles, including all Raptor® and 2026 Bronco Filson™ models. Limit one purchase or lease per eligible buyer. Not all buyers will qualify. Must finance or lease through Ford Credit®. May not be used/combined with any Ford private offers or a 90-day deferral. Minimum $750 down payment required. U.S. residents only. Product availability may vary. Place a new retail order or take new retail delivery from an authorized Ford Dealer’s stock by 1/4/27. (PGM #33248) Offer subject to confirmation of eligibility. See dealer for qualifications and complete details.
** A cosigner or higher down payment may be required based on credit history and underwriting guidelines. Not all buyers will qualify. See dealer for qualifications and complete details.
Removal of doors for off-road use only. See your Owner’s Manual for detailed information. Always consult the Owner’s Manual before off-road driving, know your terrain and trail difficulty, and use appropriate safety gear.