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.

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.

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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, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia and Washington, D.C.

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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.

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Compare All Options

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

Lower payments for the first three years
Build equity with every payment and trade when you're ready
No surprises with a fixed interest rate
Freedom to customize your vehicle
Multiple term and payment discount options to fit your needs

Flex Buy is unavailable in Maine, 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

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