It is all tier driven with Ford..
Their tier system works like this
Tiers 0-5 (0 is auto approval 5 is most likely a TD)
Tiers are tierd by CBR score 619 and below, 620-719, 720 and up.
So when your loan is sent over they assign a primary tier (based on credit, and deal structure like LTV, term, DTI, etc.) then assign a CBR score band.
Normally Tiers 0-2 qualify for the lowest promo rates (i.e. 0%) programs can vary by vehicle. There are normally also slightly higher promo rates on tiers 3-5 (tier 5 is not normally approved however)
For example... a 525 CBR score buying a new 2012 Fusion. $8000 down with good auto pays and good income / job time.
Tier comes back Tier 2 619& Under.... This deal QUALIFIES for 0% if approved in lieu of therebate.
Same customer, however no money down.
Tier comes back Tier 4 619 and Under.... 0% if not an option, however the rate may be 8.9% in lieu of the rebate if approved
So in summation, a low CBR score does not take you out of the running for promo rates with FMCC, however, there needs to be some substantial mitigating factors.
In addition, most captive lenders use this type of tiering system. Some (like TMCC) use the Cbr score bands, some (like VW) don't.
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