When you're shopping around for a new or used Ford vehicle near Columbia, you may have heard the sales team mention Ford Credit, which is the financial branch of the Ford Motor Company. Waterloo-area shoppers can benefit from this Ford finance program. With multiple options available, you won't have trouble finding the Ford Credit plan that works best for you - no matter what your financial situation is! Learn all about this program with the financial experts at Auffenberg Ford South.

Buying vs. Leasing

The benefits of Ford Credit include the option of purchasing or leasing your next Ford vehicle. Below is a look at your options:


  • Standard Purchase: This plan offers flexible payment terms and lets you customize your vehicle anytime. Also, you won't have to worry about mileage limitations or extra wear/use charges, and each payment you make builds equity. This means that your next Ford vehicle purchase comes at a lower price. New, used, and certified pre-owned vehicles all qualify for the Standard Purchase plan.
  • Flex Buy: If you choose the Flex Buy program, you will get a special payment plan that comes with lower payments during the first few years. However, you must purchase a new vehicle to qualify, and there is one term available. 


  • Red Carpet Lease: This plan offers a variety of terms and includes lots of benefits like seven available mileage options. An Advance Payment Program lets you settle all of your lease payments in one lump sum that's usually less money than what the total of your monthly payments would have been. The Red Carpet Lease also includes a wide range of lease-end opportunities. When your contract ends, you can purchase or lease a new Ford, purchase the leased vehicle at a previously determined price, or return the vehicle.

Benefits of Ford Credit

The Ford Credit program was designed with the members of our community in mind. They offer helpful resources to assist with the car buying process, so you can confidently visit our dealership prepared to make the decision that's best for you. In addition to that, Ford Credit offers personal assistance from their financial experts who are more than happy to work with you if you fall ill, were in an accident, or need payment relief due to a natural disaster.

Get Your Next Ford with Ford Credit at Auffenberg Ford South

When you're interested in upgrading your Mascoutah commute, visit our dealership, and we'll get you behind the driver's seat of your next Ford vehicle. Whether you're interested in an entry-level Ford Escape or the top-of-the-line Ford F-150, we have a vehicle for every type of driver and budget. Give us a call with any questions that you may have about Ford finance or credit in the meantime! Be sure to explore our vehicle specials for additional savings.