Ford Flex Buy Financing

Financing That Fits Your Budget

Flex Buy is like traditional retail financing where the interest rate doesn't change and you own the vehicle. What makes Flex Buy different is the unequal patment structure. It starts with a lower payment for the first 36 months, then the payment increases at month 37 so that the balance is paid in full by the end of the contract term. Flex Buy is offered with 66 or 75 month terms. 
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The Benefits

  • Lower payments for the first three years
  • Build equity with every payment and trade when you're ready
  • No surprises with a fixed interest rate
  • Freedom to customize your vehicle
  • Multiple term and payment discount options to fit your needs

**Flex Buy is unavailable in Maine, New Hampshire, North Carolina, Ohio, Pennsylvania, Virginia and Washington D.C.
The Ford Flex Buy program 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 first payment schedule is 36 months. These payments are lower than those of a comparable 60-month contract.
  • The last payment schedule is 30 months. These payments are higher than the first 36-month payments.

Use the table below as an example of a Ford Flex Buy payment schedule:

Amount Financed*

First 36 Months

Next 30 Months

Avg. Flex Buy Payment

Comparable 60-Mo. Payment

$15,000

$252

$306

$276

$296

$20,000

$336

$407

$368

$395

$25,000

$420

$509

$460

$494

$30,000

$504

$611

$553

$593

[Assumes an Annual Percentage Rate (APR) of 6.9%. Figures are rounded to the nearest dollar. *After 10% down payment.]

Why Choose McCarthy Ford?

Whether you choose to use the Ford Flex Buy program or traditional financing, the financing experts at McCarthy Ford are more than willing to assist you with the financial process that comes with buying a new vehicle. Get in touch with us online or by calling 662-664-7620.