What is Ford Credit?

Car key & credit card on a signed contract

The financial branch of the Ford Motor Company, Ford Credit can help St Cloud shoppers with their new vehicle upgrade. When it comes to Ford Finance, multiple options can accommodate your financial situation. 

In the following guide, Morrie's Buffalo Ford explores how Ford Credit works and other options, including the Ford Finance Calculator. Learn more below and call us at 612-464-9299 or reach out online with any additional questions!



Ford Finance – Buying vs. Leasing

When choosing Ford Credit, you’ll have the option to buy or lease. So, what does each entail? Let’s find out in greater detail:


  • Standard Purchase: Offering flexible payment terms, you can customize your vehicle anytime you want. At the same, you won’t be subject to mileage limitations or extra wear/use charges, and each payment can help you build equity. New, used, and certified pre-owned vehicles all qualify for this purchase plan.
  • Flex Buy: Choosing this program will provide you with a special payment plan with lower payments during the first couple of years. You have to buy a new vehicle to qualify, and there is only one available term.


  • Red Carpet Lease: There are multiple terms under this plan, as well as multiple benefits, including seven available mileage options. An Advance Payment Program allows you to settle all your lease payments in one lump sum that will be less money than what the total of your monthly payments would have been. Your Red Carpet Lease also features multiple lease-end opportunities. When your contract is up, you’ll be able to buy or lease a new Ford, purchase the leased model at a previously determined price, or just return the vehicle. 

Benefits of Ford Credit

With all of that information, remember that the Ford Credit program was designed for all our Rockford customers. Not only do you have helpful resources to help you with the car-buying process, but you also have personal assistance from our Ford Finance specialists, who are here to work with you no matter your current situation or needs down the road. Take advantage of our multiple options, including the Ford Finance Calculator.

Buy or Lease Your Next Ford Vehicle with Ford Credit at Morrie's Buffalo Ford

Now that you know more about your Ford Finance options, turn to our Buffalo dealership for all your needs. We’ve been helping Monticello area buyers find their ideal Ford model for many years.

Whether you’re considering an F-150 or a fuel-efficient Explorer Hybrid, we can help you test drive your preferred model. Calculate your payments with our Ford Finance Calculator and turn to us for your next Ford vehicle near St Cloud!


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702 E. Highway 55, Buffalo, MN, 55313
Morrie's Buffalo Ford 45.174644, -093.865036.