Current Ford Credit Customer
Payment Extensions
Defer a payment until a later date. Accounts may be eligible to request and process an extension online. Please visit Account Manager to determine if your account is eligible.
Lease-End Options
If you are at the end of your lease and the dealership is closed and/or you are unable to return your vehicle, please contact us at 855-573-9740.
Business Customers
If your business has been impacted by COVID-19 or a natural disaster, please contact us at 1-800-727-7000 or click here to request a phone call from a commercial account specialist.
New Vehicle Shoppers
Shop Remotely
Participating Ford Dealers are proud to offer remote shopping tools for customers. Start your buying experience online by locating a dealer and searching inventory. You can also learn about delivery options available.
Apply Online
It’s convenient and secure. You can use this information when you communicate with your dealer. Get started here.
Ford Promise
At Ford Credit, we know these are uncertain times. That’s why if you experience financial hardship following the loss of employment after financing an eligible vehicle through Ford Credit, you can return it within one year of date of purchase.* We call it the Ford Promise, and it’s our way of helping you get back on your feet. Learn more.
*Available on Used and CPO vehicles, financed for personal use through FordCredit at participating Ford dealers during select dates. Excluded in NY. Excludes Seasonal Retail Payment Plan. Customer must have a qualifying involuntary job loss thirty-one (31) – three hundred sixty five (365) days after vehicle purchase, be eligible for state unemployment benefits, and provide proper notification within thirty (30) days of qualified involuntary job loss. Maximum coverage is $15,000 per vehicle. Additional fees and restrictions may apply. See dealer for complete program details or visit www. ford.com/promise.
Retail Customers
Am I eligible for a payment extension?
Payment extensions allow you to defer a payment until a later date. A payment extension is a service provided to our customers to assist them in resolving a temporary financial burden. Accounts may be eligible to request and process an extension online. Please visit Account Manager to determine if your account is eligible. If you are unable to complete an extension online or the requested terms do not meet your needs, please contact Customer Service.
Do I still pay interest on a payment extension?
Interest, will continue to accrue on your account. Your next payment will be applied first to any earned and unpaid interest and then to other amounts you owe. Because of the extension, your unpaid amount financed, or the principal balance, may not be reduced as rapidly as it would have under your original payment schedule. This may result in you owing more interest over the term of your contract than originally disclosed on your contract.
Can I request to waive the late charge?
Please contact Customer Service if you have a question concerning a late charge.
What if I get an extension but have automatic payments?
An extension must be processed at least two days before a scheduled payment to avoid having the payment pulled. Ford Credit will resume automatic payments with your next payment due.
New Vehicle Shoppers
Am I eligible for a payment extension?
Under a lease extension, you can reduce the amount due for the current month(s) being extended, and get to keep the vehicle longer (based on the number of months extended). A payment extension is a service providing payment relief to assist in resolving a temporary financial burden. Accounts may be eligible to request and process an extension online. Please visit Account Manager to determine if your account is eligible. If you are unable to complete an extension online or the requested terms do not meet your needs, please contact Customer Service.
Can I have a late charge waived?
Please contact Customer Service, if you have a question concerning a late charge.
I have automatic payments. Will an extension affect that?
So long as the extension is processed at least two days before your automatic payment withdrawal date, Ford Credit will not process a payment for the monthly payment that you are extending. Ford Credit will then resume automatic payments with your next payment due – there is no need to take any action. Note that your next automatic payment will include any invoiced amount, so if there is an extension fee assessed, your next automatic payment will include such fee.
I am at the end of my lease and don’t want to or am unable to return my vehicle yet. What options do I have?
If you are at the end of your lease and the dealership is closed and/or you are unable to return your vehicle, please contact us at 855-573-9740 to make alternate arrangements.