If there is no bank involved in auto finance business in Ford, in this case, the overdue period will not affect your credit information. But Ford will accept it. If you are overdue many times, the car company will come and tow the car.

If the vehicle mortgage loan is handled by an automobile company, the automobile company shall be the guarantor. In this case, overdue will affect your credit information. If it is overdue, the bank will ask the car company to pay back the money, and the car company will ask you for money. Towing the car doesn't pay back.