FORD GRADUATE PROGRAM

Yes. If you will graduate within the next 4 months from an undergraduate, college, CEGEP, or accredited military or police academy program, you can apply now. For a Master's, Doctorate, or PhD, you can apply if you'll graduate within the next 24 months. Bring an expected-graduation letter from your registrar -- that's typically all you need to prove your status.

You need proof of income or expected income. This can be a recent paystub from your current job, a signed job offer letter from your new employer with the start date and salary, or proof of stable income from another source. The Hollis Ford finance team will tell you exactly what works in your situation.

For undergraduate, college, CEGEP, and military or police academy graduates, the Ford Credit Graduate Program applies if you graduated recently or will within the next 4 months. For Master's, Doctorate, and PhD graduates, eligibility extends to 24 months after graduation. If you're outside these windows, the First-Time Buyer Program may still apply.

The Graduate Program is specifically for recent and upcoming Canadian post-secondary graduates and uses your education and job offer in the credit decision. The First-Time Buyer Program is broader -- it's for any Canadian who has never financed a vehicle and has limited credit history, regardless of education status. If you qualify for both, the Graduate Program often offers more favourable terms.

Yes -- NSCC two-year programs are eligible. The Ford Credit Graduate Program applies to graduates of accredited Canadian 2-year college programs, which includes NSCC, Holland College, NBCC, Collège communautaire du Nouveau-Brunswick, and similar institutions across Canada.

Yes. Graduates of recognized Canadian military and police academies qualify under the program. Bring your certificate of completion or graduation along with the standard income and ID documents.

A down payment is not always required, but it can lower your monthly payment, reduce total interest paid, and offset higher rates that sometimes apply to applicants with limited credit history. Hollis Ford will run scenarios with and without a down payment so you can choose what fits your post-graduation budget.

Yes. Eligible new Ford vehicles and Hollis Ford Certified Pre-Owned vehicles can be financed under the program. Many recent grads choose a certified pre-owned vehicle like the Ford Maverick, Escape, or EcoSport to keep payments aligned with their first-job income.