A Payment Plan Program Management Company. We specialize in comprehensive, interest-free payment plan solutions across automotive, home warranty, RV, powersport, and marine markets in the U.S. and Canada.

We help OEMs, dealers, administrators, and program partners better serve customers with interest-free payment plan solutions that make protection products easier to afford.

Budco helps partners offer protection products with payment terms that are easier for customers to manage. In automotive, common opportunities include:

• Customers interested in a service contract after the vehicle sale
• Customers visiting the service drive and considering extended protection
• Used vehicle customers
• Customers arranging their own financing or paying cash
• Customers who prefer not to include the full protection-product cost in a vehicle loan

• Employment of an e-contracting system, minimizing registration errors thereby expediting activations
• Flexible terms, with options available up to 36 months depending on the program
• Invoice option for those customers not choosing to use credit card or direct debit
• Proactive customer default cancel process focused on minimizing cancellations

Dealership users can use Dealer Login in the site header. Ford and Lincoln dealers are routed to dealer.budcofinancial.com; all other dealers use www.budcopayplan.com. Consumers should use the portal that matches the first digit of their Budco account number: budcopayplan.com for accounts starting with 7, payipp.com for accounts starting with 5, or flexcarepaymentplan.com for Mopar/FlexCare accounts starting with 3.

Payment options include direct debit, automatic monthly credit card, monthly invoice statements, or online payments.

Yes. The Budco Financial platform lives online. Our online dealer portal provides for single point of entry registration, e-contracts, and complete integration options into your existing system, all while providing dealers and customers quick access to up-to-the minute account details and contract information.

Our online dealer portal provides for single point of entry registration, the ability to manage multiple vehicle service contract plans under one retail installment contract – saving time and cost – all while providing for a much better dealership and customer experience.

Available payment terms vary by program and can extend up to 36 months. Your Budco representative can confirm the terms available for your program.

Program fees vary by amount financed, term, and program structure. Your Budco representative or dealer portal will provide the current fee schedule applicable to your program.

Call Dealer Support and one of our representatives will help route your request. Mopar/FlexCare dealers can call 888-463-5149. Ford, Lincoln, and all other dealers can call 888-368-8462. You can also email dealer@budcofinancial.com.

We understand that customers will need to cancel contracts from time to time due to normal circumstances such as vehicle loss or sale. When this occurs, we work through the respective program or OEM to determine and process both customer and dealership refund amounts quickly and efficiently.

However, in the unfortunate circumstance of a default in payment, our industry-leading Default Cancellation Process is focused on minimizing cancellations. By proactively working with customers, we make every effort to reach customers and make arrangements to keep the service contract active…thereby increasing both consumer and dealership satisfaction.