How to finance a Ford

Students, recent grads and military members may qualify for cash back.

Ford Motor Company is one of the largest car manufacturers in the US, making everything from classic pickups to energy-efficient electric vehicles. If you’re thinking about buying a new Ford, compare your financing options to get the best deal.

How can I finance a Ford?

You can finance a new or used Ford through the manufacturer or a third-party lender such as a bank, credit union or online lender. Getting financing through the manufacturer is usually the fastest and easiest way, though you may qualify for better rates through an outside lender if you put in the time to compare options.

If you decide to finance through an authorized Ford dealer, you have two options:

• Ford Credit financing. Choose between the Standard Purchase program that comes with traditional payment terms or the Flex Buy program, which offers a special payment plan with lower payments for the first few years. Some Ford dealers are currently offering 0% APR financing for the first five years on several trucks, SUVs and sedans, though deals vary by location and may require you to meet certain qualifications.*
• Ford Credit leasing. If you want to upgrade to a new car every few years, leasing might be a better choice. Current offers include $239 per month with $3,199 due at signing for a three-year lease on a 2019 Escape or a three-year lease for $209 per month with $2,829 due at signing on a 2019 Fusion Hybrid SE.* Deals vary by location and may require you to meet certain qualifications.

As with all loans, the rates and terms you qualify for will vary based on your credit history and financial situation.

_{*Offers as of May 1, 2019.}

Read our review of Ford Credit

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Does Ford offer special discounts or programs?

Ford is currently offering $500 cash back to first responders, veterans and active military members who are within two years of separation through its military and first responder appreciation programs. In addition, college students and recent graduates may be eligible for up to $750 cash back on certain Ford models through the Ford Drives U program.

What will a new Ford cost me?

Ford offers a range of cars, SUVs and trucks at every price point, ranging from just under $15,000 to over $50,000. Below are the manufacturer suggested retail prices of some of Ford’s most popular 2019 models.

Choose the type vehicle

Sedans

Trucks and SUVs

Sedans

Fiesta

• Starting MSRP: $14,260
• Build: Sedan
• City/highway MPG: 27/35

Fusion

• Starting MSRP: $22,840
• Build: Sedan
• City/highway MPG: 21/31

Mustang

• Starting MSRP: $26,395
• Build: Sports coupe
• City/highway MPG: 21/31

Taurus

• Starting MSRP: $27,800
• Build: Sedan
• City/highway MPG: 18/26

Fusion Energi

• Starting MSRP: $34,595
• Build: Electric Sedan
• City/highway MPG: 109/97

Trucks and SUVs

Ecosport

• Starting MSRP: $19,995
• Build: Crossover
• City/highway MPG: 27/29

Escape

• Starting MSRP: $24,105
• Build: Crossover
• City/highway MPG: 22/29

F-150

• Starting MSRP: $28,155
• Build: Truck
• City/highway MPG: 20/26

EDGE

• Starting MSRP: $29,995
• Build: Crossover
• City/highway MPG: 19/26

Flex

• Starting MSRP: $30,575
• Build: SUV
• City/highway MPG: 16/23

Explorer

• Starting MSRP: $36,675
• Build: SUV
• City/highway MPG: 16/22

Expedition

• Starting MSRP: $52,130
• Build: SUV
• City/highway MPG: 17/24

F-150 Raptor

• Starting MSRP: $52,855
• Build: Truck
• City/highway MPG: 15/18

Car insurance costs that come with driving a Ford

Does a new Ford come with a warranty?

Yes. The standard Ford new vehicle limited warranty covers all models except the F-650, F-750, and electric and hybrid cars, which will each have a slightly different warranty. Your new vehicle limited warranty includes coverage for:

• Bumper-to-bumper: Three years or 36,000 miles — whichever comes first
• Powertrain: Five years or 60,000 miles — whichever comes first
• Safety restrain system: Five years or 60,000 miles — whichever comes first
• Perforation due to corrosion: Five years — no mileage limit
• Diesel engine. Five years or 100,000 miles — whichever comes first
• Tire defects. Up to 36,000 miles

Bottom line

Manufacturer financing is one of the fastest ways to drive off in a new Ford — but it’s not always the most affordable. Instead, you may want to compare car loans from different banks, credit unions and online lenders before heading to the dealership to make sure you’re getting the best deal.

Frequently asked questions

• Should I choose Ford's Standard Purchase or Flex Buy program?

  It depends on your financial circumstances. Ford’s Flex Buy program offers lower payments for the first few years you have your new car, which can be useful if you’re expecting a promotion or influx of cash. But if you’re not completely sure your financial situation will change, you may be better off with the traditional Standard Purchase option.

• Does Ford offer roadside assistance?

  Yes. Your new Ford comes with roadside assistance for five years or 60,000 miles — whichever comes first.

• What can I do if my financing application through Ford was denied?

  If you can’t get financing through Ford, you could attempt to get financing through a third-party lender. But keep in mind that your credit report will show when you apply with multiple lenders, and this could hurt your credit score and chances of qualifying.

  Before deciding whether or not you want to apply for a loan through a different lender, first find out why your application was denied and what you can do to increase your chances of approval.

Image source: Getty Images and Ford’s Official Page