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
- CPO and Used Vehicles are not eligible
- Flex Buy contracts are not eligible for deferred first payment programs
Benefits
Flex Buy was specifically designed to support higher customer satisfaction and the unique structure delivers a variety of customer benefits including:
- Lower initial payments offers more flexibility and more vehicle options
- Buyers own the vehicle and can apply equity to future purchases as Trade-in.
- Buyer owns the vehicle with no mileage restrictions.
- Notifications to customers and dealers at the 34th month
- Buyers can pay extra principal at any time to help build equity faster with no prepayment penalties.
- Flex Buy is not a Lease or Balloon financing. There is not a residual amount, refinance requirement, or return option.
- Communications prior to payment change intervals.
Payment Examples
Below is a payment comparison based on an Amount Financed of $55,000 using different Retail products. APR provided is for example purposes only. Lease is excluded due to model specific residual values.

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Muscatell Burns Ford
901 Highway 10
Hawley, MN 56549
- Sales: (218) 483-3357
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