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Shop Smarter With Ford's Flex Buy

Published on Nov 23, 2022 by Talia Mushinsky

Inflation costs have been on the rise, negatively impacting many Americans and their families.  Ford knows that even during these tough times, you'll still need a reliable vehicle to take you places, which is why they created Ford Flex Buy!

What is Ford Flex Buy?
Under this credit retail contract, there are several loan term combinations to choose from, which are explained in more detail below.  The main thing to keep in mind is that your discounted paymnets will be adjusted after 36 months.  It's important to consider this when you enroll because your payment will increase for the remainder of the agreement.

 

How does it work?
Customers can choose between a 66 or 75 month loan term.  The first 36 months will have discounted payments of either 15% or 18%.  Starting on the 37th month, the payments will be adjusted based on an equal monthly payment calculation.  Customers can rest assured that their interest rate will remain the same throughout their agreement!

What are my options?

  • 66 month term with 15% discounted payment for the first 36 months

  • 66 month term with 18% discounted payment for the first 36 months

  • 75 month term with 15% discounted payment for the first 36 months

  • 75 month term with 18% discounted payment for the first 36 months

How are my payments determined?

  • The 66 month plan has decreased payments calculated based on equal monthly payments for 60 months.

  • The 75 month plan has decreased payments calculated based on equal monthly payments for 72 months.

Your monthly payment will increase after 3 years; aka your 37th payment.  When your 34th payment is due, we will remind you about the increase.  You will continue to pay the same interest rate for the duration of your loan.

Flex Buy is not a lease nor balloon financingThere is no residual amount, refinance requirement, mileage restriction, nor return option.

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

 

Currently Not Eligible

  • Ford Payroll deduct is not available

  • Used/CPO or Commercial Use are not eligible

  • Dealers and customers with addresses in Maine, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia, and Washington DC.