Financing Options

We offer a variety of financing options for you to purchase or lease your next Ford. Explore and compare them below and find the one that fits your auto financing needs.

key Icon for standard purchase
Standard Purchase

Finance a new, used or Certified Pre-Owned Ford. Build equity toward your next Ford purchase while enjoying no mileage limitations and the freedom to customize your vehicle.

Flex Buy Icon
Flex Buy

A Ford Credit-exclusive payment structure focused on providing lower payments for the first three years when compared with a standard retail contract.

Flex Buy is unavailable in Maine, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia and Washington, D.C.

Red Carpet lease Icon
Red Carpet Lease

Choose from a range of mileage options with versatile lease-end choices, making it easy for you to enjoy a new Ford more often.



Standard Purchase

Finance a new, used or Certified Pre-Owned Ford. Build equity toward your next Ford purchase while enjoying no mileage limitations and the freedom to customize your vehicle. 

Build Equity With Each Payment

With terms ranging from 12–84 months, you can choose the payment schedule that best fits your needs. Equity is built with each payment, lowering the purchase price of your next Ford.

 

The Benefits

  • No mileage limitations
  • Freedom to customize your vehicle
  • Consistent monthly payments
  • Build equity with each payment

Flex Buy

Flex Buy is a Ford Credit-exclusive payment structure focused on providing lower payments for the first three years when compared with a standard retail contract.

Financing That Fits Your Budget

Flex Buy is like traditional retail financing where the interest rate doesn’t change and you own the vehicle. What makes Flex Buy different is the unequal payment structure. It starts with a lower payment for the first 36 months, then the payment increases at month 37 so that the balance is paid in full by the end of the contract term. Flex Buy is offered with 66- or 75-month terms.

 

The Benefits

  • No mileage limitations
  • Freedom to customize your vehicle
  • Lower payments for the first three years
  • Build equity with each payment
  • Two term choices
  • Two payment discount choices

 

Flex Buy is unavailable in Maine, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia and Washington, D.C.

Red Carpet Lease

Choose from a range of mileage options with versatile lease-end choices, making it easier for you to enjoy a new Ford more often.

Lease With Ease

Red Carpet Lease offers multiple terms and eight different mileage options to fit your lifestyle. Enjoy payments that are usually lower than similar term financing payments and the benefit of driving a new vehicle more often.

 

Benefits

  • Low initial cost and monthly payments
  • Flexible options at lease-end
  • Multiple terms available
  • Complimentary Gap Protection
  • Multiple mileage options

Compare Financing Options

Ford Credit Financing Options

Standard Purchase 

Flex Buy

Red Carpet Lease

Vehicle Type

New, Certified Pre-Owned or Used™

New

New

Terms

12-to 84-Month Terms

66-and 75-Month Terms

24-to 48-Month Terms

Mileage

Unlimited

Unlimited

Customizable Mileage Options

Payment

Your monthly payment covers the cost of the entire vehicle over the course of your contract, which makes it generally higher than a lease.

Your monthly payment covers the cost of the entire vehicle over the course of your contract, with lower payments earlier in your contract and higher amounts late in your term, allowing for the balance to be satisfied.

Your monthly payment covers a portion of the vehicle value during your contract, allowing for lower monthly payments and the option to purchase your vehicle at lease-end.

Vehicle Ownership

Customer

Customer

Ford Credit

Wear & Use

You own the car and are responsible for repairs if desired.

You own the car and are responsible for repairs if desired

Normal amounts of wear and use are covered. However, you are responsible for wear and use charges in excess of normal guidelines.

End of Term

At the end of the contract, you own the vehicle. It is yours to keep or trade-in for your next vehicle

At the end of the contract, you own the vehicle. It is yours to keep or trade-in for your next vehicle.

Return and lease a new vehicle

Purchase your lease, if applicable

Return the vehicle to dealership

Standard Purchase 

Vehicle Type

New, Certified Pre-Owned or Used™

Terms

12-to 84-Month Terms

Mileage

Unlimited

Payment

Your monthly payment covers the cost of the entire vehicle over the course of your contract, which makes it generally higher than a lease.

Vehicle Ownership

Customer

Wear & Use

You own the car and are responsible for repairs if desired.

End of Term

At the end of the contract, you own the vehicle. It is yours to keep or trade-in for your next vehicle

Flex Buy

Vehicle Type

New

Terms

66-and 75-Month Terms

Mileage

Unlimited

Payment

Your monthly payment covers the cost of the entire vehicle over the course of your contract, with lower payments earlier in your contract and higher amounts late in your term, allowing for the balance to be satisfied.

Vehicle Ownership

Customer

Wear & Use

You own the car and are responsible for repairs if desired

End of Term

At the end of the contract, you own the vehicle. It is yours to keep or trade-in for your next vehicle.

Red Carpet Lease

Vehicle Type

New

Terms

24-to 48-Month Terms

Mileage

Customizable Mileage Options

Payment

Your monthly payment covers a portion of the vehicle value during your contract, allowing for lower monthly payments and the option to purchase your vehicle at lease-end.

Vehicle Ownership

Ford Credit

Wear & Use

Normal amounts of wear and use are covered. However, you are responsible for wear and use charges in excess of normal guidelines.

End of Term

Return and lease a new vehicle

Purchase your lease, if applicable

Return the vehicle to dealership