Ford Flex Buy Program

What is Ford Flex Buy?

Flex Buy is a Ford Cred,it 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.

Structure

Flex Buy is available for a 66 month term or a 75 month term. Additionally, the first 36 payments can be reduced by either 15% or 18% from an equal monthly payment calculation. Here are the possible combinations:

  • 66 month term with a 15% decrease for the first 36 payments (30 payments post adjustment)
  • 66 month term with an 18% decrease for the first 36 payments (30 payments post adjustment)
  • 75 month term with a 15% decrease for the first 36 payments (39 payments post adjustment)
  • 75 month term with an 18% decrease for the first 36 payments (39 payments past adjustment)


  • The customer rate remains the same far the entire term of the contract
  • 66 month decrease is based an equal monthly 60 month payment calculation
  • 75 month decrei:lse Is based on equal monthly 72 month payment calculation
  • On all loan structures, the payment increase occurs on the 37th payment. The 66 month structure is 36 payments at $XXX.XX and 30 payments of $XXX.XX. The 75 month structure is 36 payments at $XXX.XX and 39 payments at $XXX.XX. The payment decrease for a 66 month term is based on an equal payment 60 month calculation and the payment decrease for a 75 month term Is based on an equal payment 72 month calculation.


Flex Buy ls not a Lease or Balloon financing. There is not a residual amount, refinance requirement, or return option. Standard rate customers on 66 month Flex Buy receive the 60 month rate and 75 month Flex Buy customers receive the 72 month rate. The maximum rate markup is 2% for 66 month term and 1.5% for 75 month term. For Subvened rates, please refer to the specific Flex Buy offer In SmartVINCENT. Flex Buy 66-month subvened rates are generally the same as 60-month subvened rates and 75-month subvened rates are generally the same as 72- month subvened rates. Flex Buy contracts have a maximum 31 days to first payment and are currently not eligible for deferred first payment programs.

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
  • Supported by Ford C&I offers
  • Flex Buy payments are available for advertising in eligible states

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 Month Flex Buy - 15% 66 Month Flex Buy - 18% 72 Month Retail 75 Month Flex Buy - 15% 75 Month Flex Buy - 18% 84 Month Retail
Ammount Financed $40,000 $40,000 $40,000 $40,000 $40,000 $40,000$40,000
APR 0.9% 0.9% 0.9% 2.9% 2.9% 2.9% 4.9%
Monthly Payment $682.02 $605.95 $563.4
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
  1. Zeigler Ford of North Riverside

    2100 Harlem Avenue
    North Riverside, IL 60546

    • Sales: (708) 442-7000
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