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Ford Flex Buy

Ford Flex Buy

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.

Eligible

  • 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

Benefits

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.

60 Month Retail 66 Months Flex Buy 15% 66 Months Flex Buy 18% 72 Month Retail 75 Months Flex 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 --- --- $586.89 $587.72 ---

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Ford Flex Buy Program

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