In an effort to increase sales of its F-150 pickup truck before the end of the third quarter, Ford Motor Company is offering special financing options to consumers with less-than-perfect credit ratings. This includes lower interest rates for those with subprime credit, defined as a FICO score below 620. The initiative aims to make vehicles more accessible and reduce inventory levels, although it raises concerns about the likelihood of defaults among these borrowers. Ford Credit has confirmed that while promotional rates are available, they do not influence actual credit decisions. The average new auto loan rate is currently around 9%, with subprime rates reaching 18% to 20%. Despite a 12.7% increase in F-Series truck sales this year, August saw a 3.4% decline compared to the previous year. Other automakers, such as Stellantis and General Motors, are also offering competitive financing options to attract buyers.