First Time Car Buyers Program

First-Time Car Buyer's Program near Smithville MO

Smithville Ford Smithville MO

Buying your first car is an exciting adventure. From financing terms to credit history, buying a Ford near Smithville, Kansas City, and Liberty, Missouri, can feel unpredictable. That’s why the local Ford experts at Smithville Ford have created our First-Time Car Buyers Program.

This mindful program makes it easier than expected to take the wheel and experience pride of ownership for the first time. Continue reading to learn more about our program and how you can start buying a Ford today!

Secure First-Time Ownership Financing near Smithville MO

Buying a car is one of the most important financial decisions you'll ever make. This exciting new program makes it easy for first time buyers to take the wheel of their dream Ford. Whether you find your perfect match from our lineup of new Ford vehicles for sale or in our pre-owned inventory, there’s a Ford truck or SUV for every driver.

We've developed a special program for first-time car buyers to help answer all of the questions you might have and help you build a financing plan you feel comfortable with.

Helping You Go Further

At Smithville Ford, we understand that younger drivers can have difficulty making a large down payment or large monthly payments. With our first time buyers program, we offer a lower down payment, lower monthly payments, and low interest rates.

The new First Time Buyer Program offers special incentives to younger drivers who are employed full-time or are attending high school, college, grad school, or recently graduated - making the car buying experience easier and less intimidating. These incentives include a $500 down payment match for first time buyers.

How to Buy Your First Car in Smithville MO

Ready to enroll in our First-Time Car Buyers Program? Here’s some helpful advice to get you started.

Make A List Of Your Wants & Needs

Before you explore our Ford vehicle inventory, consider these questions:

  • How many people do I need to fit into my future car?
  • Do I need to tow anything around?
  • Which safety features are a "must have" for me?
  • What fuel economy or MPG do I need?
  • How much will my auto insurance cost me?
  • What type of transmission do you like?
  • Do you want cloth or leather?
  • What other luxury features does my car need?
Confirm Your Eligbility

Figure Out Monthly Cost

Once you understand the needs of your first Ford, it’s time calculate how much you can comfortably spend on monthly payments. Experts say monthly payments should not be greater than 10-15% of your monthly income.1

Explore First-Time FInancing Options

The next step in buying your first car is securing a loan. The finance specialists at our Ford dealership in Smithville, MO, are expertly trained on securing loans for first-time buyers.

Want to learn more about the types of loans you qualify for? Complete our secure finance application to get started!

First-Time Buying FAQs
Can I buy a car in Smithville with no credit history?
Yes! Even if your credit score is less than the statewide average of 705 or you have no credit history, you can still buy a car.2 Our finance team has the knowledge and connections needed to help you secure a car loan regardless of your financial history.
How much should I put toward a down payment?
It’s recommended to make a down payment that’s 20% of the vehicle’s price. This can help potentially lower monthly costs and offers more favorable financing terms.3
How easy is first-time ownership in Smithville, MO?
Buying your first car is easy when you shop at Smithville Ford. Our special First-Time Car Buyer’s Program is designed to provide the most seamless car-buying experience.


1Source: KBB
2Source: Experian
3Source: KBB