A 2022 Ford® F-150 Lightning charging in a driveway at night

FORD OPTIONS

Ford Options is an alternate way to purchase the Mustang Mach-E ®or F-150® Lightning with lower payments, greater flexibility and a straightforward return process.

Ford Options is a retail balloon financing plan where you make lower monthly payments during the course of the transaction when compared with traditional retail financing and a balloon payment at the end of the contract term. At the end of your contract, you'll have the option to pay your balloon payment and retain your vehicle, renew into a new Ford or Lincoln or return your vehicle.

 

Ford Options is not available in Nevada, New Hampshire, North Carolina or Washington, D.C. See dealer for complete Ford Options program details.

key icon for lower payment

Lower Payment

Lower your monthly payment when compared with our traditional retail financing on the
Mustang Mach-E®   or
F-150® Lightning, with the same down payment and term.

icon for Customize Terms

Customize Terms

Customize your terms for payment with either a 36- or 48-month term and a final balloon payment at the end of the contract term.

icon for Flexible Options

Flexible Options

Enjoy flexible options at the end of your agreement: retain your vehicle, return your vehicle or renew into a new Ford or Lincoln.

How is Ford Options different from traditional buying or leasing?

The closeup of the 15.5-inch touchscreen in a 2022 Ford® F-150 Lightning

Balloon Financing Made Simple

With balloon financing, you’ll make lower monthly payments (when compared with traditional retail financing) with a one-time "balloon" payment at the end of your contract term. If you choose to retain your vehicle, you’ll simply make this final payment and the vehicle is yours! If you choose to return the vehicle, an amount equal to your originally scheduled balloon payment will be applied to your account.

The closeup of the 15.5-inch touchscreen in a 2022 Ford® F-150 Lightning
Mustang Mach-E Ext on the street

How It Works 

  • Select the Mustang Mach-E® or F-150® Lightning™ of your choice.
  • Provide your down payment and annual mileage.
  • Select a 36- or 48-month term and enjoy smaller payments than retail financing.
  • At the end of your term, you can retain your vehicle, renew into a new Ford or Lincoln or return your Mustang Mach-E or F-150 Lightning after settling your account balance.

Three Flexible Options

Renew: Replace with a new Ford or Lincoln.
Trade in or sell the vehicle to a third party and apply the proceeds to your remaining account balance. Any excess value after settling the account may be used as a down payment toward your new Ford or Lincoln.

Retain: Keep the vehicle.
Satisfy the account with Ford Credit by paying the final balloon payment and any remaining balance.

Return: Transfer ownership of the vehicle to Ford Credit.* 
At the end of term, return your vehicle. An amount equal to the original scheduled final balloon payment will be applied toward the satisfaction of your last installment payment. The returned vehicle is subject to excess mileage charges, excess wear and use charges, unpaid payments, a $475 disposal fee and any other outstanding fees. Wear and use guidelines apply – see the wear and use guidelines for details.



How is Ford Options different from traditional buying or leasing?

Ford Credit Financing Options

Standard Purchase    

Ford Options

Red Carpet Lease

Vehicle Type

New or Certified Pre-Owned

Exclusive for the Mustang Mach-E® and F-150® Lightning

New 

Terms

Up to 84 Months

36- and 48-Month Terms

24-to  48-Month Terms

Disposal Fee

N/A

$475 - waived with renewal

$395 - waived with renewal

Acquisition Fee

N/A

$0 

$645

Mileage Options

Unlimited

Customizable

Customizable

Contract-End Options

N/A

· Renew by trading in or sell privately

· Retain the vehicle (purchase)
    - Pay off the balance
    - Refinance the final balloon payment

· Return the vehicle and transfer ownership to Ford Credit

· Return and renew into a new vehicle

· Purchase the vehicle, if applicable

· Return the vehicle

Vehicle Ownership

Customer

Customer

Ford Credit

Electric Vehicle Tax Credit 

Customer

Customer

Ford Credit

Standard Purchase    

Vehicle Type

New or Certified Pre-Owned

Terms

Up to 84 Months

Disposal Fee

N/A

Acquisition Fee

N/A

Mileage Options

Unlimited

Contract-End Options

N/A

Vehicle Ownership

Customer

Electric Vehicle Tax Credit 

Customer

Ford Options

Vehicle Type

Exclusive for the Mustang Mach-E® and F-150® Lightning

Terms

36- and 48-Month Terms

Disposal Fee

$475 - waived with renewal

Acquisition Fee

$0 

Mileage Options

Customizable

Contract-End Options

· Renew by trading in or sell privately

· Retain the vehicle (purchase)
    - Pay off the balance
    - Refinance the final balloon payment

· Return the vehicle and transfer ownership to Ford Credit

Vehicle Ownership

Customer

Electric Vehicle Tax Credit 

Customer

Red Carpet Lease

Vehicle Type

New 

Terms

24-to  48-Month Terms

Disposal Fee

$395 - waived with renewal

Acquisition Fee

$645

Mileage Options

Customizable

Contract-End Options

· Return and renew into a new vehicle

· Purchase the vehicle, if applicable

· Return the vehicle

Vehicle Ownership

Ford Credit

Electric Vehicle Tax Credit 

Ford Credit


*See dealer for complete Ford Options program details.
Ford Options is not available in Nevada, New Hampshire, North Carolina or Washington, D.C.