Ford Flex Buy Financing Program | Flexible Car Payments at Anderson Ford of St. Joseph

What Is Ford Flex Buy and How It Works at Anderson Ford of St. Joseph

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 Ford of St. Joseph 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 St. Joseph

“Friendly and professional sales person, Travis, and helpful manager Gabe. They took every step to show me around and let me inspect the vehicle I bought. Explained every detail about the transaction…” “Friendly and professional sales person, Travis, and helpful manager Gabe. They took every step to show me around and let me inspect the vehicle I bought. Explained every detail about the transaction and answered every question I could come up with with great answers. Thank you Anderson for a great experience and I know where I will go for my next vehicle. It's a Great place for your next vehicle.”

cffdrnkr Oct 16, 2026
Sales
Google Review Anderson Ford of St. Joseph

“I had a wonderful experience at Anderson ford. Ask for Kelso Klein. He did an excellent job finding the 2020 Lincoln Nautilus Reserve III for me. It is beautiful and he explained…” “I had a wonderful experience at Anderson ford. Ask for Kelso Klein. He did an excellent job finding the 2020 Lincoln Nautilus Reserve III for me. It is beautiful and he explained all the buttons and there are a lot, and he set them iall up for my taste. He was very knowledgeable and patient each step of the purchase. Kelso takes his job very seriously and did a great job for me.”

Donna Milligan Oct 1, 2026
Sales
Google Review Anderson Ford of St. Joseph

“I purchased a 2021 Expedition from Anderson in St Joe and I live 250 miles away near St. Louis. I was very uneasy about buying a vehicle without testing it but this…” “I purchased a 2021 Expedition from Anderson in St Joe and I live 250 miles away near St. Louis. I was very uneasy about buying a vehicle without testing it but this car was Ford Blue Certified and Kevin B., the salesman, went out of his way to set my mind at ease, including taking a video of the entire car out in the rain and sending to me. I paid for the car on a Friday and it was delivered by a driver on the following Tuesday morning. The car was clean, had a full tank of gas and exactly as advertised. The transaction was smooth and quick and I love my new-to-me Expedition with all features working perfectly. Thanks to Kevin and Anderson Ford. I highly recommend!”

Mike Wood Sep 22, 2026
Sales
Google Review Anderson Ford of St. Joseph

“My husband and I had a fantastic experience working with Brett at Anderson Ford! He was extremely patient and genuinely helpful throughout the process of finding the right Bronco for me. No…” “My husband and I had a fantastic experience working with Brett at Anderson Ford! He was extremely patient and genuinely helpful throughout the process of finding the right Bronco for me. No pressure tactics, just great service. Highly recommend asking for Brett if you're looking for a vehicle!”

Holly Duncan Aug 5, 2026
Service
Google Review Anderson Ford of St. Joseph

“Kelso worked with us for a few months answering all our questions & even staying late to help us out. he finally put us in our perfect car. i told him what…” “Kelso worked with us for a few months answering all our questions & even staying late to help us out. he finally put us in our perfect car. i told him what all i wanted in a vehicle and he hit it spot on. 10/10 will be going to anderson ford to see Kelso again!”

Aziah Scanlan May 8, 2026
Google Review Anderson Ford of St. Joseph

“We stopped by Anderson to just see what the Ford Ranger was like and we met Cory Ruhnke on of the salesmen at Anderson and we talked and was really impressed with…” “We stopped by Anderson to just see what the Ford Ranger was like and we met Cory Ruhnke on of the salesmen at Anderson and we talked and was really impressed with Cory! He was warm and he had a really good sense of humor! We bantered back and forth but in the end we pulled the trigger on a 25 Ranger XLT for my wife and a little later in the process we were introduced to Kevin Bundy in which we found Kevin to be very pleasant and a great help to finish closing the deal! Anderson has two great salesmen in these two guys! Thanks Cory and Kevin! Thanks to Anderson for having these guys on their team!”

Marvin Godsey Mar 26, 2026
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