About Ford Credit SCRA Benefits

Ford Motor Credit Company is one of the largest auto finance companies in the United States, providing financing for Ford and Lincoln vehicles. If you have an auto loan or lease through Ford Credit that was originated before entering active duty, you're entitled to SCRA protections.

Ford Military Appreciation

Ford has a dedicated Military Appreciation Program and is generally supportive of military customers. Their SCRA team understands the law and typically processes requests efficiently.

SCRA Benefits for Ford Credit

  • 6% Interest Rate Cap - Rate reduced to 6% on pre-service auto loans
  • Retroactive Refunds - Refund of excess interest charged since active duty
  • Lease Termination - Terminate lease early for PCS or deployment
  • Repossession Protection - No repossession without court order

Repossession Protection

Under SCRA, Ford Credit cannot repossess your vehicle without first obtaining a court order while you're on active duty. This protection applies even if you fall behind on payments.

How to Request SCRA Benefits

  1. Call Ford Credit
    Contact 1-800-727-7000 and request SCRA/military benefits assistance.
  2. Submit military orders
    Fax to 1-866-405-2419 or mail to the address below.
  3. Request rate cap and refund
    Explicitly ask for the 6% rate cap AND a retroactive refund of interest above 6%.
  4. Follow up in writing
    Send a follow-up letter if you don't receive confirmation within 2-3 weeks.

Required Documents

  • Copy of military orders showing active duty start date
  • Ford Credit account number
  • Vehicle information (VIN, year, make, model)
  • Written SCRA request letter
  • Contact information (phone, email, mailing address)

Contact Information

Phone

1-800-727-7000

Fax

1-866-405-2419

Mail

Ford Motor Credit Company
Attn: SCRA Department
P.O. Box 650574
Dallas, TX 75265-0574

Lease Termination

If you need to terminate your Ford or Lincoln lease due to military service:

  • You must receive PCS orders or deployment orders of 180+ days
  • Submit written notice with a copy of your orders
  • Return the vehicle within 15 days of delivery of notice
  • No early termination penalty under SCRA
  • You remain responsible for excess wear and mileage

Common Issues

"They want a DMDC verification letter" - While not required, you can get this at scra.dmdc.osd.mil. It's sometimes faster to just provide this upfront.

"My loan was financed at the dealer" - If your paperwork says "Ford Motor Credit" as the lender, this is where you file. Some dealers use third-party financing.

Pro Tip

Ford Credit is generally efficient with SCRA claims. Keep copies of everything you send, and note the date, time, and name of anyone you speak with on the phone.