Ford Financing Options

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Financing Options

We offer a variety of financing options for you to purchase or lease your next Ford. Explore and compare them below and find the one that fits your auto financing needs.

Standard Purchase

Finance a new, used or Certified Pre-Owned Ford. Build equity toward your next Ford purchase while enjoying no mileage limitations and the freedom to customize your vehicle.

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Flex Buy

A Ford Credit-exclusive payment structure focused on providing lower payments for the first three years when compared with a standard retail contract.
Flex Buy is unavailable in Maine, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia and Washington, D.C.

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Red Carpet Lease

Choose from a range of mileage options with versatile lease-end choices, making it easy for you to enjoy a new Ford more often.

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Ford Options

Exclusive to the Mustang Mach-E, Ford Options provides you an alternate way to finance with lower monthly payments and a final balloon payment, greater flexibility and a straightforward return process.*
*See dealer for complete Ford Options program details. Ford Options is not available in Nevada, New Hampshire, North Carolina or Washington, D.C.

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Standard Purchase

Finance a new, used or Certified Pre-Owned Ford. Build equity toward your next Ford purchase while enjoying no mileage limitations and the freedom to customize your vehicle. 

Build Equity With Each Payment

With terms ranging from 12-84 months, you can choose the payment schedule that best fits your needs. Equity is built with each payment, lowering the purchase price of your next Ford.

The Benefits

  • No mileage limitations
  • Freedom to customize your vehicle
  • Consistent monthly payments
  • Build equity with each payment

Flex Buy

Flex Buy is a Ford Credit-exclusive payment structure focused on providing lower payments for the first three years when compared with a standard retail contract.

Financing That Fits Your Budget

Flex Buy is offered with 66- or 75-month terms. Your first 36 months of payments are discounted by 15% or 18%, while higher later payments allow for your full balance to be satisfied.

The Benefits

  • No mileage limitations
  • Freedom to customize your vehicle
  • Lower monthly payments for the first three years
  • Build equity with each payment
  • Two term choices
  • Two payment discount choices

Flex Buy is unavailable in Maine, Michigan, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia and Washington, D.C.

Red Carpet Lease

Choose from a range of mileage options with versatile lease-end choices, making it easier for you to enjoy a new Ford more often.

Lease With Ease

Red Carpet Lease offers multiple terms and eight different mileage options to fit your lifestyle. Enjoy payments that are usually lower than similar term financing payments and the benefit of driving a new vehicle more often.

Benefits

  • Low initial cost and monthly payments
  • Flexible options at lease-end
  • Multiple terms available
  • Complimentary Gap Protection
  • Multiple mileage options

Ford Options

Exclusive to the Mustang Mach-E, Ford Options provides you an alternate way to finance with lower monthly payments and a final balloon payment, greater flexibility and a straightforward return process.*

Flexible Financing

After a 36- or 48-month term, you'll pay a final balloon payment and you may choose to retain your vehicle, renew into a new Ford or Lincoln or return your Mustang Mach-E to Ford Credit.

Benefits

  • Customizable mileage options
  • May be eligible for electric tax credit
  • Lower monthly payments compared with traditional retail financing
  • Three flexible options at lease-end
  • Two term choices
Learn More about Ford Options.
*See dealer for complete Ford Options program details. Ford Options is not available in Nevada, New Hampshire, North Carolina or Washington, D.C.

Compare Financing Options

     

Standard Purchase

Flex Buy

Red Carpet Lease

Vehicle Type


New, Certified Pre-Owned or Used

New

New

Terms


12-to 84-Month Terms

66-and 75-Month Terms

24, 36 and 39-Month Terms

Mileage


Unlimited

Unlimited

Customizable Mileage Options

Payment

Your monthly payment covers the cost of the entire vehicle over the course of your contract, which makes it generally higher than a lease. Your monthly payment covers the cost of the entire vehicle over the course of your contract, with lower payments earlier in your contract and higher amounts late in your term, allowing for the balance to be satisfied.Your monthly payment covers a portion of the vehicle value during your contract, allowing for lower monthly payments and the option to purchase your vehicle at lease-end.

Vehicle Ownership


Customer

Customer

Ford Credit

Wear & Use

You own the car and are responsible for repairs if desired. You own the car and are responsible for repairs if desiredNormal amounts of wear and use are covered. However, you are responsible for wear and use charges in excess of normal guidelines.

End of Term

At the end of the loan, you own the vehicle. It is yours to keep or trade-in for your next vehicle. At the end of the loan, you own the vehicle. It is yours to keep or trade-in for your next vehicle.Return and lease a new vehicle
Purchase your lease
Return the vehicle to dealership
  1. Rick Ridings Ford Inc.

    1817 Ridings Dr.
    Monticello, IL 61856

    • Sales: (217) 762-2521
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Get in Touch

  • Contact our Sales Department at: (217) 762-2521
  • Monday8am-8pm
  • Tuesday8am-8pm
  • Wednesday8am-8pm
  • Thursday8am-8pm
  • Friday8am-8pm
  • Saturday8am-5pm
  • SundayClosed