Rusty Eck Ford

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Wichita Auto Loan Financing

Flexible Financing Solutions for New & Used Ford Vehicles

The Rusty Eck Ford finance department is here to help you find the right payment plan for your new or "new-to-you" vehicle. Whether you're shopping for a new Ford F-150, Explorer, or a quality pre-owned vehicle, our experienced finance team works to secure competitive auto loan rates that fit your budget. We partner with Ford Motor Credit and trusted local Kansas lenders to provide more financing options and faster approvals. Our finance center also offers optional vehicle protection plans and extended warranty programs to protect your investment.

Ford Financing Options in Wichita

  • Standard Purchase Auto Loan – Available for new, Ford Certified Pre-Owned, and used vehicles. This traditional financing option divides your vehicle's balance across 12 to 84 months of predictable monthly payments. You build equity with every payment until you own the vehicle outright. As the owner, you're responsible for repairs and maintenance not covered by the manufacturer's warranty or an optional Ford Protect extended service plan.
  • Ford Flex Buy Financing – This unique payment plan spreads loan repayments across a 66- or 75-month term with lower initial payments for the first 36 months (15-18% lower than standard financing). This option helps buyers manage cash flow while still building equity. Ideal for customers with existing loans nearing payoff who want to keep monthly expenses manageable during the transition.
  • Ford Red Carpet Lease – Available exclusively on new Ford vehicles, leasing offers the lowest monthly payments over 24-48 month terms. At lease end, you can return the vehicle, purchase it at a predetermined price, or upgrade to a new Ford model. Leasing covers normal wear-and-use maintenance and is perfect for drivers who prefer driving a new vehicle every few years with the latest technology and safety features.

Which Auto Financing Option is Right for You?

  • Standard Purchase is the best option for drivers who intend to own their vehicle for a long time. Customers fully own the vehicle when it's paid off.
  • Since Flex Buy raises the payment after the first three years of the loan by either 15 or 18 percent, this option isn't for everyone. Drivers who choose this option should base affordability on the maximum payment after the introductory period ends. This option is ideal for situations where the customer has less than three years left on another loan to keep monthly payments lower across a longer timeline.
  • Red Carpet Lease is a great option for drivers who prefer newer vehicles and only want to own them for two to four years. However, the lease financing options come with mileage limitations, and, while flexible, are not the best choice for drivers who intend to put an excessive amount of driving distance on the vehicle.

Contact Our Finance Department Today

Ready to get pre-approved or explore your financing options? If you live in Wichita, Augusta, Haysville, Derby, Andover, or anywhere in the surrounding Kansas area, our finance specialists are ready to help. We work with all credit situations, including first-time buyers and those rebuilding credit. Contact the Rusty Eck Ford finance department today by phone at 316-689-4434 or complete our secure online credit application to get started. Our experienced finance managers are committed to finding the right program at a competitive rate to fit your needs.


Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title, and license charges. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week.