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

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  630-868-9699 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 9am-8pm
  • Tuesday 9am-8pm
  • Wednesday 9am-8pm
  • Thursday 9am-8pm
  • Friday 9am-8pm
  • Saturday 9am-6pm
  • Sunday Closed