Ford Authority

2022 Ford Maverick Financing Guaranteed Approval Program Revealed

In recent weeks, Ford Credit has been adjusting its requirements in terms of credit scores, most recently removing minimum FICO requirements for 84-month loans, helping those who can afford payments but might not have the top-tier credit usually required to secure such loans. Now, according to Cars Direct, the new 2022 Ford Maverick Financing Guaranteed Approval Program aims to help those looking to purchase the new compact pickup as well.

2022 Ford Maverick

The 2022 Ford Maverick Financing Guaranteed Approval Program, which runs through March of 2022, only requires a minimum FICO score of 620 to qualify but does come with a few stipulations. For starters, the program only applies to new Maverick pickups with a maximum lease term of 36 months or a maximum loan term of 72 months.

Additionally, a customer’s payment-to-income ratio must be 20 percent at the most, while the max loan to value ratio is 110 percent. Customers can not have any prior repossessions or open bankruptcies, which would disqualify them from the program. Otherwise, there are no details surrounding APR deals associated with this program, though Ford is currently offering 0 percent financing for 36 months, 0.9 percent for 48 months, or 3.9 percent for 72 months on the Maverick.

This is good news for prospective Maverick buyers who can easily afford the payments associated with the truck’s low starting MSRP, but may not have the top credit scores historically needed to secure the best rates or even a loan or lease in the first place. The very first deliveries of the 2022 Ford Maverick began hitting dealer lots last month, though materials shortages may impact production in the coming weeks. Regardless, the new Maverick has received universally positive reviews since its launch.

We’ll have much more on the 2022 Ford Maverick very soon, so be sure and subscribe to Ford Authority for more Ford Maverick news and 24/7 Ford news coverage.

Brett's lost track of all the Fords he's owned over the years and how much he's spent modifying them, but his current money pits include an S550 Mustang and 13th gen F-150.

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  1. Roy Chile’s

    A great program to help those 1st time buyers and those rebuilding there Credit. With rising gas prices a $20K new truck that gets 30 to 40mpg will be what the customers and economy needs

    1. Roy Chile’s

      Everyone here say CHEAP like it’s a dirty word, Everyone wasn’t born with a gold spoon in there mouth. The Bronco is out selling the Escape with don’t look better than the Maverick

    2. Frank

      It looks like by the time I get my Maverick it will be a classic anyway.

  2. NCEcoBoost

    Well, we know where all the repos will be taking place. And if a recession rears its head (we’re WAY overdue), uh-oh.

  3. Mick1

    Cheap car, lousy credit. a winning combination. These customers can’t find a cheap reliable new car.

  4. Mick1

    I meant used car.

  5. Mike Parnell

    They are marketing the Maverick as the cheapest starter vehicle you can buy. Where I live, and the models of Maverick being offered ( 2.0L XL ) by the dealers, you can buy a comparable trim Bronco Sport or Escape for basically the same price, and cheaper with Ford offering a $1,500 factory discount on the Escape. So less of an incentive to buy it then what Ford is over hyping.

    1. Benson

      Ordered Maverick XLT with LUX pkg with moonroof. 28,500 & after all closing costs will be over 30k total loan. Although this is not
      a lot of money for a new vehicle, I still do not classify it as the cheapest new vehicle on the market. I’m sure I could find something new for a bit less….especially a low end Kia or Hyundai car.

    2. Lisa LA

      Yes but gas is twice what it was thanks to speculators. The maverick would cost you half in gas than the others

  6. Pedro77

    Will be lots of happy repo men.

  7. Gary Phillips

    The low end of the Maverick range is indeed remarkably inexpensive: The plainest XL model with standard equipment has plenty of safety features and a reliable hybrid powertrain. Including tax and delivery charges, somewhere around $22K. And the professional reviewers are all calling it good value and a good design, though it won’t excite the buyers who want a lot of speed and noise or the profile of an F-series pickup.

  8. Jamessmack

    I refuse to buy a four-door anything vehicle

  9. Jay

    Like a minimum score of 620 is really going to help people doesn’t sound like a big help to me it sounds like a setup for repossession and no help the people that are hurting due to the pandemic or whatever the reason is

    1. Lisa LA

      620 is someone just starting out in life but if they have a full-time job – and a career… that should be more than enough to establish them financially safe.

  10. Jeffrey D. Sproul

    Ford is a little to quick to come out with financing on the Maverick since there are shortages of the Maverick and it could take at least a year before they are produced in any noticeable volume. Ordered an XLT Maverick in July and I have heard nothing. Most likely it will take at least a year to get mine.

    1. Mike Parnell

      The Ford dealer around the corner from me had 2 on the lot and one on order, but sold one so still 2 available. But they are all 2.0L AWD.


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