Ford Credit ranked highest among mass market lenders according to the recently released J.D. Power U.S. Automotive Financing Satisfaction Study, formerly known as the U.S. Consumer Financing Satisfaction Study.

Ford Credit took the top spot in mass market lenders with a score of 714. Chase Auto scored 705 and ranked second, and Bank of America ranked third with a score of 695.

“Putting our customers first is the mission of our team members on the front lines and the bedrock of our entire organization,” said Jim Spangler, Ford Credit vice president of North America Business Operations. “Every day, we work to make the customer journey of vehicle financing and ownership better than the day before, from contract inception, to bill paying, to helping customers through tough times, to assisting them in getting that next vehicle when the time comes."

Lincoln Automotive Financial Services Also Ranks First

While Ford Credit took the top spot in mass market lenders, Lincoln Automotive Financial Services also garnered a top spot, ranking highest in customer satisfaction among premium lenders. This year, the top spot was split in a three-way tie. 

Lincoln Automotive Financial Services, BMW Financial Services, and Mercedes-Benz each scored 735.

What the Report Measures

According to J.D. Power, the report measures overall auto financing customer satisfaction across eight core dimensions, which are:

• Level of trust with provider

• Loan/lease offering met needs

• Experience managing my loan/lease

• Keeps me informed about my loan/lease

• Experience obtaining loan/lease

• Makes it easy to do business with

• Digital channels

• People

This year’s study was fielded from September 2024 through September 2025 and is based on responses from 13,150 customers who financed a new or used vehicle through a loan or lease within the past three years.