Access to exclusive rates and Ford Motor Company incentives, engineered to fit your vehicle.
A streamlined process at your Ford dealership. No need to run around to different sites.
Financing plans like Standard Purchase and Flex Buy® that can be tailored to your project’s needs.
The online account tools let you manage your loan and oversee the budget from anywhere.
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The Standard Purchase Plan+
This is the most straightforward blueprint for ownership. You finance your new, used, or Certified Pre-Owned Ford with predictable, fixed monthly payments. They offer terms from 12 to 84 months so you can set a timeline that works.
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The Flex Buy Plan — A Custom Build+
Some projects require a different approach. The Ford Credit exclusive Flex Buy plan is a custom blueprint for U.S. buyers who want lower payments at the start of the project. This plan discounts your payments for the first three years, with higher, planned payments later in the term.
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The Red Carpet Lease — Your Short-Term Contract+
For maximum efficiency and lower monthly operating costs, a Red Carpet Lease is the right contract. This plan allows you to operate a new piece of Ford equipment every few years, often with payments that are lower than a standard purchase. It includes complimentary GAP Protection, a critical safety net.
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Acquiring a Proven Asset — Financing a Ford Blue Advantage Vehicle+
A smart project manager knows the value of a proven asset. A Ford Blue Advantage Certified Pre-Owned (CPO) vehicle has already been put through a rigorous, multi-point inspection to ensure it meets our high standards.
Top Auto Loan Picks in the U.S.
- Ford Credit – Tailors auto financing solutions to Ford drivers, offering benefits like Flex Buy, Red Carpet Lease, and adaptable term lengths for both new and used models.
- Capital One Auto Navigator – Lets buyers explore vehicles and financing options online without affecting their credit score, and connects them with participating dealers across the country.
- Bank of America Auto Loans – Offers solid interest rates, preapproval tools, and special benefits for account holders.
- PenFed Credit Union – Known for ultra-low interest rates on vehicle loans, especially appealing to members with high credit scores.
- LightStream – Delivers unsecured vehicle loans with zero restrictions on the type of car or seller, offering same-day funding in many cases.
- Carvana – Brings a fully virtual car-buying experience to life, allowing users to finance, purchase, and receive vehicles entirely online.
Traditional Bank Financing
Borrowers often turn to major banks like Wells Fargo and Chase for auto loans, valuing their long-standing reputations and nationwide availability. While these institutions provide predictable terms and often reward loyal customers with rate discounts, they usually offer generic loan products not tailored to specific vehicle makes. Ford Credit, on the other hand, enhances the buyer experience by building financing programs around Ford models and dealership partnerships, offering benefits that traditional banks rarely match.
Tailored Vehicle Financing from Ford Credit
Ford Credit takes a personalized approach to financing your next ride. Whether you’re financing a Ford Escape or leasing an Explorer, they offer several paths to vehicle ownership. The Standard Purchase plan gives you fixed monthly payments and ownership at the end of the loan. The Flex Buy® option introduces a unique payment structure—lower monthly costs upfront for the first three years, then slightly higher payments thereafter, making budgeting easier during early loan stages. And for those who enjoy switching to the newest models regularly, Red Carpet Lease delivers lower payments and flexible mileage packages. Whatever your plan, Ford Credit aligns the financial terms with your driving habits and personal goals.
Online Lending Platforms
Digital-first platforms like LendingTree, myAutoLoan, and Carvana have reshaped how consumers borrow for cars, offering online applications, rapid approvals, and direct-to-door delivery. While these lenders emphasize convenience, Ford Credit’s advantage lies in its specialized connection to Ford dealerships and tailored deals exclusive to Ford buyers. From early trade-in options to loyalty incentives, Ford Credit delivers value online lenders simply can’t replicate.
Unsecured Loans for Auto Purchases
Some buyers consider personal loans for purchasing vehicles, especially when dealing with private sellers or unique cars. These loans don’t require collateral, but they usually come with higher interest rates and less favorable repayment terms. Compared to this, Ford Credit’s secured auto loans present a smarter choice for most borrowers—featuring competitive APRs, access to vehicle-specific offers, and smoother transitions from loan approval to dealership pickup.
Understanding the Risks of Buy Here, Pay Here Lots
Buy Here, Pay Here lots might seem like a convenient alternative for those with less-than-perfect credit. These dealers handle sales and financing under one roof but often demand high interest rates, upfront fees, and limited vehicle choices. In contrast, Ford Credit opens doors for many buyers, even those rebuilding their credit, by offering fair terms, transparency, and access to Ford’s full inventory—all without the predatory tactics commonly seen at BHPH dealers.
How Your Auto Loan Affects Your Financial Profile
A vehicle loan can shape your credit journey—for better or worse. On-time payments reported by Ford Credit can help boost your credit score, strengthening your future borrowing potential. Delinquencies, on the other hand, can lower your score and increase your overall debt load. Ford Credit provides the option to check eligibility with a soft credit inquiry, allowing you to explore financing possibilities without immediate impact. By managing your loan responsibly, you set yourself up for both automotive and financial success.
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