Ford 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 and Lincoln models
  • New, Personal Use contracts
  • A/Z/X Plan customers

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


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 Retail66 Months Flex-Buy-15%66 Months Flex Buy-18%72 Month Retail75 Months Flex Buy-15%75 Month Flex Buy-18%84 Months Retail
Amounts Financed$40K$40K$40K$40K$40K$40K$40K
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$587.72 



Ford Flex Buy Program

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