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Ford Motor Credit
Ford Motor Credit is the captive finance arm of Ford Motor Company, providing auto lending and leasing since 1959.
Ford Motor Credit
Explore auto financing for buying or leasing vehicles through Ford Credit. Calculate monthly payments, review statements, and pay bills through Account Manager.
General information
Firm type
other
Year founded
1959
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Dearborn
Corporate office
Dearborn, MI, United States
Additional offices
New York, NY, United States · Menlo Park, CA, United States
Sector focus
Frequently asked questions
How is Ford Motor Credit structured relative to Ford Motor Company?
Ford Motor Credit is a wholly owned subsidiary of Ford Motor Company, operating as its captive finance arm. It is legally separate but financially integrated, with its credit ratings tied to Ford's corporate rating. The firm is regulated as a financial services company and reports standalone financials.
What types of financing does Ford Motor Credit provide?
The firm offers retail installment contracts for consumers buying Ford vehicles, wholesale inventory financing for dealerships, leasing programs, and commercial loans to dealers. It also originates loans for used Ford vehicles through select partners.
Does Ford Motor Credit issue asset-backed securities?
Yes, Ford Motor Credit is a consistent issuer of auto asset-backed securities (ABS), often among the top originators in the US auto ABS market. It regularly securitizes both prime and subprime auto loans, providing a key funding source (per public filings, 2024).
What is Ford Motor Credit's geographic scope?
The firm primarily operates in the United States and Canada, with limited international exposure in select markets where Ford sells vehicles. Its portfolio is heavily concentrated in North America.
How does Ford Motor Credit's lending affect Ford vehicle sales?
Ford Motor Credit's financing terms directly influence Ford's vehicle affordability and dealer inventory availability. Subprime lending standards and promotional rate programs act as a sales lever, making Ford more competitive in the auto market.
Is Ford Motor Credit involved in electric vehicle financing?
Yes, Ford Motor Credit has supported Ford's EV transition through green bond issuances and dedicated financing programs for electric vehicles like the Mustang Mach-E and F-150 Lightning. The April 2025 $1.5 billion green bond issuance was specifically tied to EV lending (per Ford press release, April 2025).
What is Ford Motor Credit's regulatory status?
Ford Motor Credit is regulated as a financial services company, subject to oversight by the Consumer Financial Protection Bureau (CFPB) and state regulators. It is not a bank, but it operates under similar lending and consumer protection rules.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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