ford-credit bills

Ford Credit Bill

What to Do When You Can’t Pay Your Ford Credit Bill

Ford Credit is an auto finance subsidiary of the Ford Motor Company. For more than 50 years, Ford Credit has provided competitive rates, reasonable terms and excellent customer service.

How to Pay the Bill

Pay online: Customers can pay your Ford Credit bill online by visiting Payments are deducted from your checking or savings account. Credit card and debit card payments are also accepted.

Pay by phone: Customers can pay your Ford Credit bill by calling 1-800-334-1161. The payment is deducted from your checking or savings account. There is a $7.50 convenience fee for payment received by phone.

Pay by mail: Customers can send your Ford Credit bill to:

Ford Motor Credit Company LLC
One American Rd.
Dearborn, MI 48126

Payroll deduction: Customers can have your Ford Credit bill directly deducted from your payroll check. Simply complete the application and return. This service is only available for current and former government employees.

Pay stations: Customers can pay your Ford Credit bill at authorized third-party pay stations Western Union and MoneyGram.

  • Western Union – Customers can call 1-800-325-6000 to find the nearest Western Union or make Ford Credit payments online at the official website. Customers will need their account information, payee information, city and state code. Western Union charges a convenience fee with each payment.
  • MoneyGram – Customers can call 1-800-926-9400 to locate the nearest MoneyGram. You will need your account information, receive code, payee information, city and state code. MoneyGram charges a convenience fee with this service.

Questions About Your Billing Statement or Account?

Have you noticed monthly or non-recurring fees, such as late payment charges, security deposits or maintenance fees that you do not fully understand? We suggest you visit Ford Credit customer resource page. For additional information, we recommend calling customer service at 1-800-926-9400.

How the Penalty Fees Work

When we spoke to the customer service representative, they explained the fees associated with Ford Credit. Select fees are standard, while other fees a dependent upon the terms of the customer’s contract.

  • Late payment – Ford Credit charges customers a late payment fee equal to 5% of the past due amount. For commercial truck owners, the fee is 4% of the past due amount.
  • Security deposit – This amount varies, depending on the details of your loan.
  • Mileage – Ford Credit assesses fees for lease holders that exceed the predetermined amount of mileage according to their contract.
  • Maintenance – Lease holders incur fees when they do not schedule maintenance for the vehicle.

I Can’t Make a Payment

The customer service representative did not disclose specific details regarding assistance paying your Ford Credit bill. The only program the customer service representative explained was alternative payment arrangements. Customers must call 1-800-727-7000 to speak to a customer service representative. They also explained the Flex Buy plan.

  • Flex Buy – The term of the contract spans 66 months. The first 36 monthly payments are lower than traditional 60 month contract. The subsequent 30 months are gradually increased.

Will They Work With Me to Pay My Bill?

Did you have a positive experience dealing with Ford Credit? We want you to share your experience, positive or negative, on whether or not Ford Credit helped you pay your bill.


15 Comments on “Ford Credit Bill
  1. Dear Management:

    As an individual who has done business with Ford Motor Company for over ten years I am very disappointed with how your payment system works. In 2011, I opened a lease agreement with Avis Ford for a F150 4×4 Truck after my previous truck had horrible mechanical issues which surfaced right after the truck was paid in full and I had not even hit 80,000 miles, unbelievable, however.

    In regards to payment for the lease vehicle, your payment system needs to be updated quickly. When my second payment arrived I mailed in the check that was dated January 13, 2012 and I did not realize when Ford Credit received it the check before January 13th that they would disregard the date and deposit it. The check was dated for January 13th because money was in my account to pay the truck note (lease payment)at that time. I did not realize until the middle part of the month that my Ford Credit account showed non-payment of bill. Furthermore, when I made the second attempt to pay the January payment I was hit with double late fees because I paid on Saturday and it takes two to three business days before the payment shows up at Ford Credit. We are in the 21st Century with great technology and I think that to be fair to your clients that payments made by credit or debit by phone should appear immediately as paid. What is more disturbing is that there is a $7.50 fee attached to the payment made by phone and then it is delayed by two to three business days. This is absurd because then the account is marked late and then there is the occurrence of a late fee. This seems more like a scam to make money off of late fees and payment fees.

    I just made a payment on Saturday, March 10, 2012 where I paid the seven $7.50 fee and the payment want register until Monday or Tuesday of next week. This is totally unacceptable.

    Dissatisfied Customer
    Sandra Epps

  2. I’ve tried to pay my bill on this site for 1 1/2hr.your site tells me password username cant use or same?????? what up?It’s late,but I’m mailing it.My paperworks all screwed up.Thanks to Nemer Ford.They should pay any late fees.For not doing their job=correctly.

  3. I think that Ford Credit needs to change. I had problems with online payments with my old bank. Neither them or Ford could get on the same page so I was told out account can no longer take payments online. I think that even if we can’t do it online you should have the option to send in payment over the phone. Just because of a few mistakes you block out any way to pay but Western Union which costs an arm and a leg or snail mail.

    Thats Crap.

  4. I totally agree with comments made about how Ford Credit applies
    on line payments. I make other payments online and it does not
    take 4 days to post to the account (they are posted the same day).
    What gives? Do they need the extra interest money? Because it does get charged and lower the principle amount applied to the loan.

    Lets get with the times.

  5. on apr, 13,2012 i paid my bill on line as of this date apr,22,2012 the amt. of $600.00 has not been withdraw ?WHY?

    • Phone payment system unwieldy. Won’t accept debit card. I can my Harley payment with it, why can’t I pay my Ford payment? Asked for customer assistance. Outsourced person could hardly understand me and I them. No help at all. Called Ford Corporate more no help even from supervisor. Supervisor suggested I contact dealer. Dealer said for me to send them a check and they would pay it for me. Dissappointed. I really like my Mercury Grand Marquis. Gotten no paperwork from Ford Credit. Purchased car back in March. I don’t think they want my money. Maybe my car is free now?

  6. I have made several attempts to make a paymentn on my 2006 Ford Expedition, but have not been successful so I am mailing a payment in the amount of $698.00 today.

    The bill pay site would be much simpler if it just asked the account number without having to sign-inwith a user ID and Password. Not everyone has the VIN handy, whic it asks for to sign in.

    Regards, Roger Wood

    My Account Number is 41535668

  7. Hi there to every body, it’s my first pay a quick visit of
    this blog; this website includes awesome and actually good stuff
    designed for visitors.

  8. I have found it very hard and very frustrating to try and make a payment online or otherwise… I JUST WANNA MAKE A PAYMENT!!!!

  9. One would think that a company as large as Ford could implement a more customer friendly payment option. I pay all of my accts on line and not a one of them requires a fee to do so. I
    find this very crude and demeaning. Customers thought enough to purchase your vehicle…….now you should think enough about them in return. I have always paid my payment in an amount way more than my payment due. As a matter of fact I never have a payment due until this month. Due to a medical procedure I am paying my acct two days late and will be penalized I’m sure. A great American Company should extend better service ie payment via phone without a service chg. My friends and family laughed when I told them there is a fee to pay over the phone or via computer. Certainly Ford has not made any good grades by this practice.

  10. After my daughters experience with Ford and the inability to use a credit card to make a payment I will NEVER own a Ford. I will actively tell OTHER ppl not to own a Ford – I should not have to work this hard to make a freaking payment – day 6 – absolutely ridiculous!!! No credit card payments — sometimes real life happens and the cash isnt there – but they would rather take their stuff back??

    Suddenly, instead of that option after logging on to my account,
    IT NOW READS “Online payments are not available for this account”!

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