Ford Payment Calculator · Florida
Estimate your Ford monthly payment
Plug in MSRP, down payment, trade, term, and APR. Florida 7% sales tax (state 6% + county 1% for St. Lucie / Martin / Indian River) is included. Side-by-side 60 / 72 / 84 month comparison. Eugenio at Sunrise Ford runs the real numbers with current Ford incentives applied.
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Need an estimate? Use the trade-in tool →
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What you still owe on the trade. Negative equity rolls in.
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Eugenio confirms current Ford rebates per model.
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FL state 6% + county 1% (St. Lucie / Martin / Indian River).
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FL avg ~$1,000-$1,500. Eugenio confirms exact.
Estimated payment
$0
/ month
Compare terms
60 months
$0
$0 interest
72 months
$0
$0 interest
84 months
$0
$0 interest
How the math works
Loan amount = (vehicle price + sales tax + tag/title/dealer fees) − down payment − trade equity (trade value − payoff) − manufacturer rebates. Monthly payment uses the standard amortization formula at the APR and term you set. Interest paid = total of payments − loan amount.
Negative equity (payoff > trade value) is rolled into the loan. If you owe more than the trade is worth, that gap shows up as a higher loan amount and higher payment.
Why this is an estimate, not a real quote
- Real Ford rates depend on credit tier (Tier 1 through Tier 6) — only confirmed at credit application.
- Ford Credit publishes special APR offers per model that can beat what you put in here.
- Ford rebates change monthly; the current stack on your specific model may be different.
- Lease math is different — money factor + residual instead of APR + amortization. See our Ford lease guide.
- FL sales tax on a lease is on the monthly payment, not the full price — different math from finance.
Estimates only. Sunrise Ford and Eugenio do not guarantee any APR, payment, or available rebate based on this calculator. Real numbers come after a credit application and confirmation of eligibility for current Ford / Ford Credit programs. Sunrise Ford: 5435 South US-1, Fort Pierce, FL 34982 · (305) 799-9923.