Ford has recently introduced a new “Zero, Zero, Zero” financing program across North America, replacing their previous employee pricing promotion. This new incentive package offers substantial benefits for qualified buyers interested in purchasing select Ford and Lincoln vehicles.

Current “Zero, Zero, Zero” Program Details

The new Ford 0% financing program offers three key benefits:

• Zero down payment required at signing
• Zero payments for the first 90 days
• Zero percent interest for the first 48 months (4 years)

This program was introduced in early July 2025, following the successful Ford employee pricing campaign, which had helped drive a 14.2% sales increase in the second quarter.

Eligible Vehicles

The Ford 0% financing offer is available on several 2024 and 2025 models, including:

Ford Models:

• Escape
• Explorer
• F-150 (standard models)
• Mustang

Lincoln Models:

• Aviator
• Corsair
• Nautilus

Excluded Vehicles

Not all Ford and Lincoln vehicles qualify for this promotion. Exclusions include:

• 2025 and 2024 Raptor models
• Maverick trucks
• Ranger trucks
• Super Duty trucks (except XL trims)
• Transit vans (except ICE cargo and passenger models)
• 2025 Broncos and Bronco Sports
• 2025 Expeditions
• 2025 Lincoln Navigators
• 2024 F-150 Lightning electric trucks
• 2024 Mustang Mach-E electric vehicles

Finance Term Details

The Ford 0% financing rate applies to the first 48 months of the loan term for qualified buyers. This represents a significant savings opportunity compared to standard auto loan rates, which are high due to the overall interest rate environment.

Additional Considerations

Industry analysts suggest this promotion may be a Ford strategy to maintain sales momentum through what might be a challenging second half of 2025, as inventory tightens and prices rise due to tariffs on imported vehicles and parts.

As with any financing offer, qualification is based on credit approval, and terms may vary depending on the specific dealership and vehicle selected. It’s recommended to contact your local Ford dealer for the most current information on available incentives and qualification requirements.