In my experience, Ford Motor Credit is pretty picky. At the start of the pandemic (when cars were dirt cheap before the shortage) I was going to trade in a car for a 2020 Fusion. Ford Motor Credit wanted a huge down payment but Capital One would do the deal with no money down. I went over to a Toyota Dealer, they did the deal with no money down at a lower rate than Capital One. I think Capital One would be a good start for you, otherwise maybe try something at a Toyota store?
