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

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 Mazda of Lincoln

“I had a great experience buying my new CX-50 from Anderson Mazda. Denis was fantastic to work with and made the whole process enjoyable. He is very knowledgeable and respectful, and I…” “I had a great experience buying my new CX-50 from Anderson Mazda. Denis was fantastic to work with and made the whole process enjoyable. He is very knowledgeable and respectful, and I would buy from him again. The rest of the team was great to work with as well. I would recommend Anderson Mazda 10/10.”

Amanda Schmit Jul 25, 2026
Sales
Google Review CARSTAR Anderson Collision-South

“Had some repairs done on my maverick, they were fast got it done a day early did excellent work were able to get a few things done that I requested as well” “Had some repairs done on my maverick, they were fast got it done a day early did excellent work were able to get a few things done that I requested as well”

Mike Bstreet Jul 20, 2026
Google Review Anderson Mazda of Lincoln

“Anderson Mazda showed exceptional patience with me while I questioned prices to ensure I got the best price possible. Not only were they patient, by they too sought out ways to help…” “Anderson Mazda showed exceptional patience with me while I questioned prices to ensure I got the best price possible. Not only were they patient, by they too sought out ways to help me get the best deal I could. I know a lot of women who often feel cheated when purchasing vehicles or pressured to jump into a deal that may stretch their budget. I too have felt this way when dealing with other car lots. Not so with Anderson Mazda! There was not a moment where I felt pressured to make a hasty decision or commit to anything quickly before I had thoroughly examined the numbers, checked with insurance, etc. The only thing I can say I was a bit disappointed in was Mazda’s change to their military discount requirements. Instead of allowing any person who served being eligible for the discount, they’ve changed it to anyone who served for 20 years or more. I feel this is insulting to those who served as there are many people who were enlisted for shorter periods but did get things for our country and they should be given this discount regardless of the amount of time. However, this is not a decision made by the salesmen/women who helped me purchase my vehicle. They, as stated above, did everything they could to get the best price possible for me with the utmost of patience. I highly recommend not only purchasing a Mazda vehicle (I’ve had several models over the years and have been blessed with solid, reliable cars), but I also highly recommend working with Anderson Mazda sales associates!”

Kate Rodaway Jul 19, 2026
Sales
Google Review Anderson Ford South

“Anderson Ford South did an amazing job! Sage and the rest of of the staff were awesome. Thank you for a great experience. I love my new bronco and I would definitely…” “Anderson Ford South did an amazing job! Sage and the rest of of the staff were awesome. Thank you for a great experience. I love my new bronco and I would definitely recommend them! We will be back when we are ready for another vehicle.”

Jennie Carda Jul 12, 2026
Sales
Google Review Anderson Ford of Lincoln North

“The people here are fantastic. When coming in to buy a car, plan on being here for a few hours because they take the time to answer questions and help you find…” “The people here are fantastic. When coming in to buy a car, plan on being here for a few hours because they take the time to answer questions and help you find what you want and work with financing options that suit your budget. I came here on the recommendation of several friends. I worked with Chandler. He is so calm and relaxed. There is no high pressure. Great conversation and one feels comfortable with every associate in the building! I will forever do my car business here and definitely recommend to anyone! Thank you Chandler for helping get into my new vehicle with absurdly ZERO anxiety! I appreciate you”

Rhonda DeCamp Jul 4, 2026
Sales
Google Review Anderson Ford of Lincoln North

“I’ve bought a lot of vehicles over the years, hands down best experience so far. I worked with Nick, very knowledgeable and was over the top explaining all the features and technology…” “I’ve bought a lot of vehicles over the years, hands down best experience so far. I worked with Nick, very knowledgeable and was over the top explaining all the features and technology wrapped in today’s vehicles. Got me set up and rolling respectful of my time. Highly recommend.”

Darrin Green Jul 4, 2026
Sales
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