Access exclusive Ford financing programs, special rates, and brand-specific deals designed to fit your lifestyle.
Complete your financing and vehicle selection all at once with a smooth in-dealer experience.
Explore flexible structures like Ford Options or Red Carpet Lease—tailored to how you want to drive and pay.
Add Ford Protect extended service plans and payment protection for extra confidence on the road.
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Standard Loan: Own Your Ford on Your Terms+
With a Ford Credit standard loan, you can finance new, used, or certified vehicles with predictable, fixed monthly payments. Choose a term between 12 and 84 months that suits your budget, build equity with every payment, and enjoy full ownership at the end—no mileage caps, no restrictions.
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Flex Buy: Lower Payments in the First Years+
Flex Buy from Ford Credit provides reduced monthly payments for the first 36 months—ideal if you expect income growth or prefer smaller payments early on. You still own the vehicle from day one, and terms vary by state.
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Red Carpet Lease: Flexible Driving with Lower Costs+
Ford’s Red Carpet Lease lets you enjoy the latest models with lower monthly payments and short-term commitments. Lease terms typically range from 24 to 48 months, and include mileage options that match your lifestyle—plus GAP Coverage is often built in for added peace of mind.
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Finance a Ford Blue Advantage Certified Vehicle+
Ford Credit offers special financing options for Blue Advantage Certified vehicles—whether Gold, Blue, or EV-certified. These pre-owned cars have passed a 139+ point inspection, include warranty coverage, and may qualify for promotional APRs, making them a reliable and affordable option.
Discover why financing through Ford Credit may give you the upper hand when buying or leasing your next vehicle.
Why Ford Credit May Be the Right Fit
Ford Credit offers tailored financing for drivers of popular models like the F-150, Escape, and Mustang Mach-E. Their programs are designed to fit a wide range of buyer profiles—from first-time lessees to seasoned Ford owners. With unique plans like Flex Buy and Ford Options, the company offers more than just traditional financing. Many buyers benefit from additional perks like payment deferment and loyalty discounts, particularly when transitioning from an expiring lease into a new Ford.
What Sets Ford Credit Apart from Traditional Banks?
Unlike large banks such as Chase or Bank of America, Ford Credit provides:
- Brand-exclusive perks like end-of-lease flexibility and maintenance integration
- Ford Options Plan – a blend of leasing and ownership for lower monthly payments
- Red Carpet Lease – customized mileage terms and early return options
- Flex Buy – reduced payments for the first 36 months
- Loyalty rebates and conquest cash for returning customers or competitive trade-ins
- Dedicated EV incentives on models like the Mustang Mach-E and F-150 Lightning
Highlighted Offers from Ford Credit
- $500 rebate for military members and college graduates
- Ford Options – keeps payments low with an end-of-term ownership choice
- Certified Pre-Owned rates through Ford Blue Advantage (up to 72 months)
- APR starting from 2.49% on select models like the Explorer and F-150
- Balloon payments for luxury trims with high resale values
- Deferred first payment up to 90 days during seasonal promotions
Example Simulation – 2024 Ford F-150 STX
- MSRP: $43,000
- Down Payment: $5,000
- Amount Financed: $38,000
- Term: 60 months
- APR: 2.49% (Ford promotional rate)
- Monthly Payment: ~$675
- Total Interest Paid: ~$2,780
Bonus Tip: With Ford Options, this monthly drops to ~$540 with a $16,000 final balloon payment if you choose to buy the vehicle.
Certified Pre-Owned Example – 2021 Ford Escape SEL
- Price: $26,500
- Down Payment: $3,500
- Financed: $23,000
- Term: 60 months
- APR: 3.99%
- Monthly Payment: ~$426
- Includes Ford Blue Advantage Gold Coverage
Ford Credit vs. Bank & Online Lenders
| Feature | Ford Credit | Big Banks | Online Lenders |
|---|---|---|---|
| Lease-End Support | ✅ | ❌ | ❌ |
| Loyalty Rebates | ✅ ($500+) | ❌ | ❌ |
| EV Incentive Compatibility | ✅ | Limited | Limited |
| Flexible Monthly Payments | ✅ (Flex) | Limited | ✅ |
| Digital Account Tools | ✅ | ✅ | ✅ |
| Certified Used APR Deals | ✅ | ✅ | Limited |
| Deferred First Payment Option | ✅ | Rare | ✅ |
Vehicle Financing Plans
- Standard Purchase Loan – up to 84 months with fixed APR
- Flex Buy – lower initial payments, especially for high-income growth customers
- Ford Options – lease-like payments with the option to buy or return
- Red Carpet Lease – mileage-based lease terms, ideal for short commitments
- CPO Financing – Ford Blue Advantage coverage with lower APR and extended warranty
Looking to prequalify without hurting your credit score?
➡️ Continue to Page 2 to explore approval strategies and application tips.
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