Ford Credit: Payoff Address, Phone & Lease Rules
Ford Motor Credit Company (Ford Credit) finances and leases Ford vehicles; Lincoln customers are served as Lincoln Automotive Financial Services. Below: the payoff addresses, phone lines and lease rules Ford Credit publishes.
Also known as: Ford Motor Credit Company · Lincoln Automotive Financial Services
Brands: Ford, Lincoln · Last verified November 8, 2026 against Ford Credit's official website
Contact & payoff details
Ford Credit customer service
Mon–Fri 7 a.m.–7 p.m. CT; Sat 7 a.m.–3 p.m. CT
Lincoln Automotive Financial Services
Mon–Fri 7 a.m.–7 p.m. CT; Sat 7 a.m.–3 p.m. CT
Loan payoff address (regular mail)
Ford Motor CreditPO Box 650574Dallas, TX 75265-0574Loan payoff address (overnight)
Ford Motor CreditBox 650574885 East Collins Blvd, Suite 110Richardson, TX 75081Verify the address and your exact payoff amount with the lender before sending payment.
Lease buyout rules (as of November 8, 2026)
| Who buys the car | Policy |
|---|---|
| You (the lessee) | Allowed |
| A dealer buying it for you or taking it in trade | Allowed |
| A third party (another dealer, online buyer, friend or family) | Not published |
If your agreement lists a purchase option, you can buy the vehicle, through your original dealer or any other Ford dealership. Ford Credit's official pages don't address sales to non-Ford dealers, online buyers or other lenders, so confirm with Ford Credit first.
“if a purchase option is listed in your agreement or by your dealer … you may work with any other Ford dealership.”
Weighing it up? Compare your buyout price to today's market with the lease buyout calculator.
Lease-end process
At lease end you can get a new Ford, buy your vehicle, or return it. Inspections are done by Alliance Inspection Management (AiM); book a free pre-inspection within 60 days of your lease-end date using your VIN and account number. You turn in the vehicle at a dealership. Ford Credit allows for normal wear and use, and excess miles are charged at the rate in your agreement.
Disposition fee: Ford Credit charges a disposition fee on returned vehicles if your lease agreement discloses one. It may be waived if you buy or lease a qualifying new or certified Ford or Lincoln.
Lease transfer policy
AllowedFord Credit lists Transfer of Equity/Lease as a self-service option: you can transfer a lease or finance contract to another person. No fee is published.
“Transfer of Equity/Lease: Transfer the lease or finance contract of your vehicle to another person.”
Title & lien release after payoff
In paper-title states, Ford Credit mails your title to you or your designee within 10 days of the payoff date. In electronic-title states it releases the lien within 10 days, and the state then mails a paper title, which can take 6 weeks or more. If someone else pays off the account, the title goes to them.
Title not showing up? Our lien release guide covers state-by-state next steps.
Ford Credit FAQ
What is the Ford Credit payoff address?
Loan payoff address (regular mail): Ford Motor Credit, PO Box 650574, Dallas, TX 75265-0574. Loan payoff address (overnight): Ford Motor Credit, Box 650574, 885 East Collins Blvd, Suite 110, Richardson, TX 75081. Source: Ford Credit's official website, verified November 8, 2026.
What is the Ford Credit phone number?
Ford Credit customer service: 1-800-727-7000 (Mon–Fri 7 a.m.–7 p.m. CT; Sat 7 a.m.–3 p.m. CT). Lincoln Automotive Financial Services: 1-888-498-8801 (Mon–Fri 7 a.m.–7 p.m. CT; Sat 7 a.m.–3 p.m. CT). Verified on Ford Credit's official website November 8, 2026.
Can a third party buy out a Ford Credit lease?
As of November 8, 2026: If your agreement lists a purchase option, you can buy the vehicle, through your original dealer or any other Ford dealership. Ford Credit's official pages don't address sales to non-Ford dealers, online buyers or other lenders, so confirm with Ford Credit first.
Can I transfer a Ford Credit lease to someone else?
As of November 8, 2026: Ford Credit lists Transfer of Equity/Lease as a self-service option: you can transfer a lease or finance contract to another person. No fee is published.
How do I get my title from Ford Credit after payoff?
In paper-title states, Ford Credit mails your title to you or your designee within 10 days of the payoff date. In electronic-title states it releases the lien within 10 days, and the state then mails a paper title, which can take 6 weeks or more. If someone else pays off the account, the title goes to them.
What is the Ford Credit lease disposition fee?
Ford Credit charges a disposition fee on returned vehicles if your lease agreement discloses one. It may be waived if you buy or lease a qualifying new or certified Ford or Lincoln. Your lease contract governs the exact amount.
How do I log in to my Ford Credit account?
Manage your account online at https://accountmanager.ford.com (Ford Credit's official site).
Lease & payoff tools
- Lease buyout calculator — is your buyout price worth it?
- Lease payment calculator
- How to get out of a car lease
- Lien release guide
- Ford lease deals · Ford money factors
Shopping for your next car? Search cars for sale.
Sources
- Ford Credit — Contact us
- Lincoln AFS — Contact us
- Ford Credit — Retail payoff
- Ford Credit — Title timing
- Ford Credit — Buying your leased vehicle
- Ford Credit — Lease end
- Ford Credit — Lease Renewal Guide (PDF)
- Ford Credit — Online self-services
Last verified November 8, 2026. Facts are taken only from Ford Credit's own website; anything we could not confirm there is left off this page. CarWhere is not affiliated with Ford Credit.