Looking at buying your first new car? Joe Cotton Ford is here to help you! Buying a car is an important decision and being a first time car buyer can be very stressful experience, but it doesn't have to be. 

We understand that getting credit can be difficult when you don't have a credit history. That's why we established our first time buyer program. We can help you find the right vehicle that fits your needs and budget and have decades of experience in finding the right financing for you.

How do I Qualify for the First Time Buyer Program?
  • No previous auto credit history on your credit bureau report
  • No derogatory credit history
  • Minimum verifiable 6 months on your current job or qualified co-buyer
  • Minimum $500 customer cash down
Okay, I Qualified & Scheduled an Appointment... What Should I Bring With Me?

  • Valid Driver's License
  • SIX (6) complete references including: name, address, and phone number FOUR (4) most current pay stubs, along with your work phone number Social Security number
Consider compact
Those looking for a compact car don't have to look farther than the Ford Focus. With great gas mileage, sporty character, and lower price tags, compact cars make great first vehicles.

From most manufacturers, you get something that is compact, but it will typically lack in interior space, features, and performance. The Ford Focus definitely doesn't lack in any of those categories. Starting at $14,488, the 2018 Ford Focus is an interesting vehicle that is offered as both a sedan and a hatchback. You can find out for yourself by trying a 2018 Ford Focus at Joe Cotton Ford in Carol Stream. Once you test drive a Ford Focus, you will learn why it's better than the competition.

How do you find the car that will exactly suit your needs for years to come? It just takes a little research and planning. View our list of brochures or video gallery to help determine which vehicle fits your wants and needs. Still undecided? Come into Joe Cotton Ford in Carol Stream to speak with our sales staff and see our stock of new vehicles in person.

Before you decide on a vehicle, you should consider your monthly budget. View the resources within our finance department to calculate monthly payments, approximate your trade-in value, and more.

To contact us at Joe Cotton Ford in Carol Stream, IL, fill out the form below, call  888-348-9794 to speak with our staff directly, or just stop in!

Are you a current college student or a recent college graduate? Are you ready to purchase a new Ford? If so, you may qualify for the Ford College Student or Graduate Program in Carol Stream, IL.



Joe Cotton Ford

175 W North Ave
Directions Carol Stream, IL 60188

  • Sales: (630) 682-9200
  • Service: 630-384-6550
  • Parts: 630-384-6540


  • Monday 7:00 AM - 8:00 PM
  • Tuesday 7:00 AM - 8:00 PM
  • Wednesday 7:00 AM - 8:00 PM
  • Thursday 7:00 AM - 8:00 PM
  • Friday 7:00 AM - 8:00 PM
  • Saturday 7:30 AM - 6:00 PM
  • Sunday Closed