First-Time Car Buyers?
Are You a First-Time Car Buyer?
A Guide to Buying Your First Ford at Tom Masano Ford
A set of your very own keys! When you buy your first vehicle, it’s a milestone. Whether you’re eyeing the fuel-efficient Maverick for Reading commutes or the Bronco Sport, your journey from showroom to driveway should be smooth—especially at Tom Masano Ford in Shillington, serving all of Berks County, PA.
We believe your first car should provide freedom with zero stress. Use these tips to navigate ownership with 100% confidence.
Know Your Numbers
Before choosing a paint color, fall in love with a budget. We recommend the 20/4/10 rule:
- 20% Down payment
- 4 Years (48 months) Loan term
- 10% Income toward transportation (fuel, insurance, etc.)
Pro Tip: Use the FordPass® App to estimate service and fuel prices in Berks County.
The Ford Credit Advantage
Establishing credit is a “catch-22″—you need credit for a loan, but need a loan to build credit. The First-Time Buyer (FTB) pilot is extended through June 30, 2026, offering rate enhancements to make payments manageable.
Do I Qualify?
- FICO® score of 640+
- No previous auto loans
- 6+ months consecutive employment
- Provide POI, POR, and Driver’s License
Program Features
- $1,000 Minimum cash down
- Payment capped at 22% of gross income
- Flexible Terms: Up to 72mo Retail, 66mo Flex Buy, or 36mo Lease
Ford Blue Advantage
If brand new isn’t in the budget, a Certified Pre-Owned (CPO) Ford is your middle ground. Our vehicles pass a 138-point inspection and include manufacturer-backed warranties—new car peace of mind at a pre-owned price.
Your Dealership Checklist
Heading to Shillington? Bring these:
| Proof of Income: Recent pay stubs |
| Proof of Residence: Utility bill or lease |
| Valid Driver’s License: Required for test drives |
Ready to Start Your Journey?
Visit Tom Masano Ford today in Shillington, PA. We’ll help you find the Ford that matches your life, budget, and future.
Rate enhancements and program eligibility subject to Ford Credit approval. See dealer for full warranty and program details.
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