Ford Flex Buy Financing Program | Flexible Car Payments at Anderson Ford of Lincoln

What Is Ford Flex Buy and How It Works at Anderson Ford of Lincoln

Ford Flex Buy is an exclusive financing option from Ford Credit that lets you enjoy lower monthly payments during the first few years of ownership, followed by a predictable step-up payment period. It’s ideal for drivers who want to own their new Ford outright, without the mileage limits or end-of-term buyouts that come with leasing. Learn how Ford Flex Buy at Anderson Ford can help you get behind the wheel with flexible payments that fit your budget.

Enjoy Ownership With Lower Initial Payments

Ford Flex Buy® is a Ford Credit–exclusive financing program that takes a different approach to traditional auto loans. It offers ownership, a fixed interest rate, and lower payments for the first 36 months of your term. Beginning at month 37, your payment increases so the balance is paid in full by the end of your contract. Choose from 66-month or 75-month terms and enjoy the flexibility of building equity while you drive.

Ford Flex Buy financing overview

How Ford Flex Buy Works

1

Select Your Vehicle & Term

Choose an eligible new Ford and your preferred Flex Buy term—either 66 or 75 months—through Ford Credit.

2

Lower Payments First 36 Months

Enjoy reduced monthly payments for the first three years of your loan, helping you manage early ownership costs.

3

Step-Up Payments to Full Ownership

Beginning in month 37, your payment increases so the balance is completely paid off by the end of your contract—no balloon payment required.

Ford Flex Buy Benefits - Lower Initial Payments and Ownership

The Benefits of Ford Flex Buy

  • Lower payments for the first three years — enjoy reduced costs up front.
  • Build equity with every payment and trade in when you’re ready.
  • Fixed interest rate means no surprises throughout your term.
  • Freedom to customize — since you own the vehicle from day one.
  • Multiple term and payment options to fit your financial goals.

Flex Buy is a Ford Credit–exclusive program available on eligible new Ford models. See Anderson Ford for full details.

See if Ford Flex Buy Fits Your Budget

Contact our finance team to learn if you qualify and explore today’s Flex Buy rates and terms.

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Frequently Asked Questions

Ford Flex Buy® is a Ford Credit–exclusive financing option that gives you ownership and a fixed interest rate. Payments start lower for the first 36 months and increase beginning in month 37 so your balance is paid in full by the end of your 66- or 75-month term.

Traditional financing has equal payments throughout the loan term. Flex Buy has unequal payments: lower for the first 36 months, then higher for the remainder, with the same fixed rate and full ownership from day one.

Flex Buy offers lower early payments, builds equity as you pay, maintains a fixed rate, allows full ownership, and provides flexible term options to match your budget.

Flex Buy is available in 66-month and 75-month terms. Payments are lower for the first 36 months, then increase through the end of the term to fully pay the loan.

Flex Buy® is not currently available in Maine, North Carolina, Pennsylvania, Virginia, or Washington, D.C.
What Our Customers Say

Anderson of Lincoln Reviews

See what recent customers are saying about their experience with our team, from shopping for a vehicle to visiting our service department.

Google Review Anderson Ford of Lincoln North

“Lee was very knowledgeable and I learned a lot about car shopping, what I wanted and didn't want. She was a lot of fun. She could read me like a book.” “Lee was very knowledgeable and I learned a lot about car shopping, what I wanted and didn't want. She was a lot of fun. She could read me like a book.”

Collette S Jun 9, 2026
Sales
Google Review Anderson Ford South

“Anderson Ford South is by far the best experience purchasing a vehicle. We had a terrible experience at Duteau and were originally planning on purchasing a Suburban, I am so glad we…” “Anderson Ford South is by far the best experience purchasing a vehicle. We had a terrible experience at Duteau and were originally planning on purchasing a Suburban, I am so glad we chose to stop in and check out the Expedition. Right off the bat, the vibes are different at Anderson South. The focus on customer service is clear. We worked with Caleb and Dylan and both were kind and helpful. Caleb helped us the week previously and when he wasn’t available on the day we came back there was a seamless easy hand off. Dylan asked questions and never made us feel pressured or ignored. If you haven’t purchased a vehicle in a while, things are different here, I was expecting to be shuffled into the finance office and to my surprise we wrapped up our deal and paperwork with Dylan. I loved the experience of working with one person for the majority of the process. Managers are easily available, and out and about if you have questions. The transparency and approachability of their leadership is obvious. The general sales manager, Kraig is absolutely hands down the best of the best. He listened to our needs and made sure we had the best experience. He understands what it means to treat people with respect and kindness. My only regret is that we didn’t go here first, I will only be buying my vehicles here from now on! Side note: if you are looking at the newer model Expedition- IT IS WORTH IT!”

Megan Paternoster May 31, 2026
Sales
Google Review Anderson Ford of Lincoln North

“Went into Anderson Ford North after numerous visits to other dealerships to find a new pickup. I cannot thank Leslie and team enough for the laughs and help getting into a new…” “Went into Anderson Ford North after numerous visits to other dealerships to find a new pickup. I cannot thank Leslie and team enough for the laughs and help getting into a new vehicle! 10/10 recommend if you want a great vehicle buying experience.”

Blake Osborn May 28, 2026
Sales
Google Review Anderson Ford South

“This was the easiest buying experience we’ve ever had. Did the whole deal over the phone with Sage, and it couldn’t have gone smoother! They definitely stole me from Woodhouse forever. Thank…” “This was the easiest buying experience we’ve ever had. Did the whole deal over the phone with Sage, and it couldn’t have gone smoother! They definitely stole me from Woodhouse forever. Thank you!”

Dustin Carlson May 16, 2026
Sales
Google Review Anderson Ford of Lincoln North

“We had a great experience here. We needed new vehicle for our business. The van we wanted was in Grand Island and we did not have the extra time to drive there.…” “We had a great experience here. We needed new vehicle for our business. The van we wanted was in Grand Island and we did not have the extra time to drive there. Anderson brought the van here to Lincoln for us and it was a smooth process in buying it. We worked with Terry who was great and knowledgeable about the whole process. I’m sure we will be back when we need another!!”

Natasha Tetherow May 16, 2026
Sales
Google Review Anderson Ford South

“On my first visit I connected with Craig. I was looking for a Maverick and he showed me several options both on his screen and on the lot. We spent about 45…” “On my first visit I connected with Craig. I was looking for a Maverick and he showed me several options both on his screen and on the lot. We spent about 45 minutes together and I liked the product and knew Craig would be an ideal person to work with. I made an appointment for another day, did test drive and made my decision. We worked out the details with minimal stress.”

Ken Baker May 12, 2026
Sales
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