2023 Ford F-150® Lightning® XLT model with optional equipment and extra-cost color option shown.

FORD OPTIONS

Preparing for Contract-End

Explore and compare your options below and learn what steps to take as you approach the end of your balloon contract

1. Trade-in your vehicle for a new Ford or Lincoln

2. Pay-off* your vehicle

3. Refinance** your vehicle with Ford Credit

4. Transfer ownership*** of your vehicle to Ford Credit to satisfy your balloon balance

_{*Pay-off amount will include balloon balance and any other amounts due under the terms of the contract.}

_{**If you wish to refinance your balance with Ford Credit, you must contact us no later than 30 days prior to the balloon payment due date by mailing your request to Ford Credit, Attn: Maildrop 438, P.O. Box 6890007, Franklin, TN 37068-9007, or by calling us at 1-800-727-7000 (8:00 A.M. to 8:00 P.M. EST, Mon-Fri). Refinance amount will include balloon balance and any other amounts due.}

_{***Ownership transfer satisfies your balloon balance. You are responsible for any other amounts due including disposal fee, late charges etc.}

2023 Mustang Mach-E® SUV with extra-cost color option shown.

120 Days Out - Research your Choices

We’re here to help prepare for your Ford Options contract-end so you can focus on finding your next Ford vehicle. Use the chart below to compare your options and decide which is right for your:

Ford Credit Financing Options
	Trade-In and Get a New Ford or Lincoln	Keep Your Current Vehicle	Return Your Vehicle (1)
Vehicle Inspection	Not required	Not required	Required
Excess Wear and Use	Not applicable	Not applicable	Contract holder responsible for any excess wear & use
Excess Mileage	Not applicable	Not applicable	Contract holder responsible for any excess mileage
Disposal Fee	Not applicable	Not applicable	Contract holder responsible for disposal fee for vehicles turned-in and not traded-in at a Ford or Lincoln Dealership.
Contact	Contact your dealer to schedule your return	Contact Ford Credit to refinance your final balloon payment (2) or purchase your vehicle outright	Contact your dealer to schedule your return
Finalize	Return your vehicle on or before your contract maturity date and pick out your new Ford or Lincoln vehicle	Complete refinance or submit final payment before your contract maturity date	Return your vehicle on or before your contract maturity date

Trade-In and Get a New Ford or Lincoln
Vehicle Inspection	Not required
Excess Wear and Use	Not applicable
Excess Mileage	Not applicable
Disposal Fee	Not applicable
Contact	Contact your dealer to schedule your return
Finalize	Return your vehicle on or before your contract maturity date and pick out your new Ford or Lincoln vehicle

Keep Your Current Vehicle
Vehicle Inspection	Not required
Excess Wear and Use	Not applicable
Excess Mileage	Not applicable
Disposal Fee	Not applicable
Contact	Contact Ford Credit to refinance your final balloon payment (2) or purchase your vehicle outright
Finalize	Complete refinance or submit final payment before your contract maturity date

Return Your Vehicle (1)
Vehicle Inspection	Required
Excess Wear and Use	Contract holder responsible for any excess wear & use
Excess Mileage	Contract holder responsible for any excess mileage
Disposal Fee	Contract holder responsible for disposal fee for vehicles turned-in and not traded-in at a Ford or Lincoln Dealership.
Contact	Contact your dealer to schedule your return
Finalize	Return your vehicle on or before your contract maturity date

_{1. Assumes vehicle ownership will be transferred to Ford Credit to satisfy the balance of the balloon payment due under the terms of the Retail Installment Contract. You are responsible for any excess wear and use, excess mileage, and any other amounts due under the terms of the contract.}

_{2. If you wish to refinance your balance with Ford Credit, you must contact us no later than 30 days prior to the balloon payment due date by mailing your request to Ford Credit, Attn: Maildrop 438, P.O. Box 689007, Franklin, TN 37068-9007, or by calling us at 1-800- 727-7000 (8:00 am to 8:00 pm EST, Mon-Fri). Refinance amount will include balloon balance and any other amounts due.}

90 Days Out - Review Vehicle Condition

Not trading-in or keeping your vehicle? You can satisfy your balloon balance by transferring ownership* to Ford Credit. If you transfer ownership of your vehicle to Ford Credit, its overall condition will be evaluated to determine if there is any excess wear and use. Identifying excess wear and use before your vehicle return gives you the opportunity to process claims for damage covered under your insurance policy or to make any other needed repairs.

_{*Ownership transfer to satisfy the balance of the balloon payment due under the terms of the Retail Installment Contract. You are responsible for any excess wear and use, excess mileage, and any other amounts due under the terms of the contract.}

Step 1: Self-Assess Wear and Use
Visit the Options Renewal Guide to review the Wear and Use guidelines to help you assess the condition of your vehicle.

Step 2: Contract-End Inspection
Once you have completed the self-assessment using the Wear and Use guidelines, you can schedule a complimentary pre-inspection within 60-days of your final balloon payment. Please call 800-727-7000 (8:00 am to 8:00 pm EST, Mon-Fri) to initiate the inspection process.

Step 3: Vehicle Repairs
You are responsible for repairs if you transfer ownership to Ford Credit. Please contact your Ford Dealer if your vehicle needs any repairs. Your Ford Dealer has expert technicians and quality service along with Original Equipment Manufacturer (OEM) parts to help ensure your vehicle is ready for return. Retain copies of all repair receipts to verify completed repairs when returning your vehicle.

Schedule Repairs

60 Days Out - Decide on Next Steps

1. Trade-in your vehicle for a new Ford or Lincoln

2. Keep your current Ford: Pay off or refinance

3. Return your Ford: Transfer ownership* of your vehicle to Ford Credit to satisfy your balloon balance

_{*When you return your vehicle to Ford Credit in fulfillment of the final payment, you will owe a disposition fee of $475 to cover the cost of preparing your vehicle for resale or auction. Qualifying customers who purchase or lease a new Ford, Lincoln, Ford Blue Advantage®, or Lincoln Certified Pre-Owned vehicle are eligible for a waiver. See your Ford dealer for details.}

Trade-in your vehicle for a new Ford or Lincoln

Contact your dealer to take a test drive, select your new vehicle and schedule your vehicle return
Apply Online to finance with Ford Credit
Trade-in your vehicle to the dealer and apply the proceeds to your remaining balance. Any excess proceeds may be used as a down payment toward your new Ford or Lincoln
The $475 disposal fee* is waived for qualifying customers who renew into a new Ford or Lincoln vehicle and finance with Ford Credit
Return all accessories, keys, manual and charging cords
Return the physical title to the dealer (KY, MD, MI, MN, NY, OK)**
Check all storage areas to make sure you remove all personal items
Sign required paperwork, including a Title Power of Attorney and an Odometer Statement (required by federal law)
Perform a master reset of your SYNC®/Navigation System Instructions located here: SYNC Master Reset? (ford.com) Then Visit your Local Ford Dealer and take a test drive

_{*Qualifying customers who purchase or lease a new Ford, Lincoln, Ford Blue Advantage®, or Lincoln Certified Pre-Owned vehicle are eligible for a disposal fee waiver. See your Ford dealer for details.}

_{**Customers in MD, MI, or OK may not have received a physical title due to recent changes in state titling.}

Keep Your Current Ford

Pay-off* your vehicle
Refinance** your vehicle with Ford Credit

_{*Pay-off amount will include balloon balance and any other amounts due under the terms of the contract.}

_{**If you wish to refinance your balance with Ford Credit, you must contact us no later than 30 days prior to the balloon payment due date by mailing your request to Ford Credit, Attn: Maildrop 438, P.O. Box 689007, Franklin, TN 37068-9007, or by calling us at 1-800- 727-7000 (8:00 am to 8:00 pm EST, Mon-Fri). Refinance amount will include balloon balance and any other amounts due.}

_{Contact Customer Support at 800-727-7000 (8:00 am to 8:00 pm EST, Mon-Fri).}

Return Your Ford

You can satisfy your balloon payment due by transferring ownership* of your vehicle to Ford Credit
A vehicle inspection is required. We recommend scheduling the vehicle inspection prior to your contract end to help avoid the unexpected. Please see the Options Renewal Guide Link for specific information.
Customer is responsible for excess wear and use, over-mileage, disposal fee, and any other amounts due
Return all accessories, keys, manual and charging cords
Return the physical title to the dealer (KY, MD, MI, MN, NY, OK)**
Check all storage areas to make sure you remove all the personal items
Sign required paperwork, including a Title Power of Attorney and an Odometer Statement (required by federal law).
Perform a master reset of your SYNC®/Navigation System Instructions located here: SYNC Master Reset? (ford.com)
Contact your originating dealer to schedule your vehicle return

_{* When you return your vehicle to Ford Credit in fulfillment of the final payment, you will owe a disposition fee of $475 to cover the cost of preparing your vehicle for resale or auction. Qualifying customers who purchase or lease a new Ford, Lincoln, Ford Blue Advantage®, or Lincoln Certified Pre-Owned vehicle are eligible for a waiver. See your Ford dealer for details.}

_{**Customers in MD, MI, or OK may not have received a physical title due to recent changes in state titling regulations.}