What Is Ford Credit?

Car key & credit card on a signed contract

Waterloo drivers often ask us at Sunset Ford of Waterloo about Ford Credit. Ford Credit is the financial segment of the Ford Motor Company. If you’re shopping for a new Ford vehicle around Columbia, you could greatly benefit from the Ford Finance program. You get multiple options, meaning that regardless of your unique financial situation, there’s a Ford Credit plan that meets your needs. Learn more about Ford Credit here with your friends at Sunset Ford of Waterloo and contact us with any questions.

Buying vs. Leasing with Ford Credit

Ford Credit provides the option to buy or lease. Check out the detail below:

Buying a New Ford with Ford Credit

  • Standard Purchase: Ford Credit offers flexible payment terms and even allows you to customize your vehicle. Plus, there are no mileage restrictions or extra wear and tear charges, and each payment helps you build equity! That means your next Ford vehicle will come at a lower cost. With this plan, you can choose new, used, or certified pre-owned vehicles.
  • Flex Buy: Red Bud drivers who choose the Flex Buy program benefit from a special payment plan with lower payments during the first few years. You must buy a new vehicle, and there is only one term available. 

Leasing a New Ford with Ford Credit

  • Red Carpet Lease: Ford Finance makes leasing easy.You get seven available mileage options, and the Advance Payment program allows you to settle all your lease payments in one lump sum. Typically, it’s less money than the total of your monthly payments. The Red Carpet Lease also allows a variety of lease-end opportunities. When your contract ends, you can buy or lease a new Ford, purchase your leased vehicle at a previously determined price, or return it to the Sunset Ford Waterloo leasing center.

Benefits of Ford Credit

The Ford Credit program has your best interests in mind. If you’re new to the car buying process, you can head into Sunset Ford of Waterloo, near Belleville, feeling confident and well prepared to make the best decision for your automotive needs. You also get personal assistance from our finance specialists, and they’re here to help you if you get ill, have an accident, or require payment relief as a victim of a natural disaster. 

Buy or Lease Your Next Ford with Ford Credit at Sunset Ford of Waterloo

Interested in buying or leasing a new Ford Mustang or Ford Bronco with Ford Finance? Contact us at Sunset Ford of Waterloo today or stop by our dealership to get started. You can also apply for financing online or stop by in Waterloo. Be sure to browse our new vehicle specials before your visit! 

 

More from Sunset Ford Waterloo

  • 2026 Ford F-150 Price Breakdown: Trim MSRP and Utility Value in Waterloo

      For generations, truck owners across Southern Illinois have relied on the Ford F-150 to manage demanding jobsites, tow heavy equipment, and tackle routine family traveling. With the arrival of the 2026 Ford F-150, regional drivers are evaluating how the updated baseline pricing structure and trim configurations align with their specific workloads and financial plans….

  • Where to Buy a Shelby Truck in Southern Illinois

      If you’re searching for a Shelby truck in southern Illinois, Sunset Ford Waterloo carries Shelby-converted F-150s right in Monroe County, no trip across the river into St. Louis required. View Our Inventory   What Makes a Shelby Truck Different Shelby American has partnered with Ford for decades, taking the standard F-150 platform and building…

  • 2026 Ford F-150 Trim Levels: Which One Fits Your Drive in Waterloo?

      The 2026 Ford F-150 arrives at Sunset Ford Waterloo with eight distinct trim levels spanning everything from a capable work truck to a luxury pickup that competes with the best in its class. New for 2026, the lineup adds the street-focused STX Lobo package and brings rear-wheel drive standard to several premium trims, making…

Contact Us

Menu

Get Directions

1425 N. Illinois Rt.3, Waterloo, IL, 62298
Sunset Ford Waterloo 38.369915, -090.157497.