Flex Buy Desktop

Ford Credit Flex Buy Program

Flex Buy is a Ford Credit Retail contract with a payment adjustment at the 37th month. The unique structure of Flex Buy offers a great combination of benefits to dealers and customers.

Let’s take a closer look…


  • All Ford Vehicles
  • New, Personal Use Contracts
  • A/Z/X Plan Customers


Flex Buy was specifically designed to support higher customer satisfaction and increased trade cycle. The unique structure delivers a variety of customer and dealer benefits including:
  • The first 36 payments are competitive with Lease and extended term Retail financing and provide opportunity for higher trim levels or add on product sales
  • Customer owns the vehicle with no mileage restrictions and can apply the equity to future transactions
  • Notifications to customers and dealers at the 34th month
    • Invoice messaging for customers
    • Trade cycle manuscripts for dealers

Flex Buy payments are available for advertising in eligible states. Flex Buy is not a Lease or Balloon financing. There is not a residual amount, refinance requirement, or return option.

Flex Buy contracts have a maximum 31 days to first payment and are currently not eligible for deferred first payment programs.

Payment Examples

Below is a payment comparison based on an Amount Financed of $40,000 using different Retail products. APR provided is for example purposes only. Lease is excluded due to model specific residual values.

Available Options

60 Month Retail 66 Months Flex-Buy-15% 66 Months Flex Buy-18% 72 Month Retail 75 Months Flex Buy-15% 75 Month Flex Buy-18% 84 Months Retail
Amounts Financed $40K $40K $40K $40K $40K $40K $40K
APR 0.9% 0.9% 0.9% 2.9% 2.9% 2.9% 4.9%
Monthly Payment $682.02 $605.95 $563.47
First 36 Payments $579.72 $559.26 $515.07 $496.89
Remaining Payments (30 or 39 Months) $672.70 $697.86 $653.19 $671.56
Average Payment $621.98 $622.26 $586.89

***Currently Not Eligible*
Customers with addresses in Maine, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia or Washington DC are not eligible for Flex Buy.

Ford Payroll deduct is not available**

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