Monthly retail invoices disclose the payoff amount, so you can track how much you still owe on the account from month to month. You will be invoiced for the final payment prior to the last payment due date. The final invoiced amount may be higher than the normal monthly payment amount depending on your payment pattern during the term of the contract or due to extensions granted during the life of the contract.
If you cannot make the final payment in full, please reach out to Ford Credit to discuss. You may be able to enter into a Final Payment Reschedule agreement with Ford Credit. In a Final Payment Reschedule, you continue to pay the normal monthly payment amount (with the last month potentially having a payment that is less than the normal monthly amount) each month until the account is paid in full. Interest will continue to accrue on any outstanding principal balance.