2026 Ford F-150 STX/XLT
2026 Ford F-150 STX/XLT Finance Offer in Central Indiana
Ed Martin Ford sits on Scatterfield Road in Anderson, about forty miles up Interstate 69 from Indianapolis. The F-150 is the truck Madison County actually runs on: hauling to job sites in Pendleton and Elwood, towing to the lake on Saturday, still doing the school run on Monday.
This offer covers the STX and the XLT, the two trims most people here land on when they want a working truck without the top-end price. You can now finance the 2026 Ford F-150 STX or XLT at 0% APR for 36 months, which includes the $1,000 Summer Sales Event Rebate. To get started, click "Get Offer" and fill out the form on this page before 08/31/2026.
Highlighted Features
- Wheels and tires: the STX rides on 18-inch gloss black wheels; the XLT on 17-inch silver painted aluminum in 4x2 or 18-inch painted aluminum in 4x4.
- Cloth seating: the STX carries unique Sport Cloth 40/console/40 front seats; the XLT a cloth 40/20/40 bench with a driver armrest, both with manual driver lumbar.
- Cruise control and compass: cruise control and a compass display in the instrument cluster are standard on both.
- USB charging: two USB charging ports come standard, with two more in the XLT’s rear seat.
- Carpeted floor: color-coordinated carpet with carpeted floor mats comes on every one.
Vehicle Highlights
- Turbocharged V6 power: the 2.7L V6 EcoBoost with Auto Start-Stop Technology is standard on both trims, rated 325 horsepower and 400 lb-ft of torque.
- Ten-speed automatic: every STX and XLT pairs that engine with the Electronic Ten-Speed Automatic Transmission, standard on both.
- Four drive modes on tap: Selectable Drive Modes give you Normal, ECO, Sport and Tow/Haul, so the truck adapts to the load behind it.
- Built on a boxed frame: the F-150 rides on a fully boxed steel frame, with four-wheel disc brakes and ABS standard across the range.
- Privacy glass and a heated rear window: every STX and XLT carries rear privacy glass and an electronic rear-window defroster.
Why Finance a New F-150?
Financing an F-150 is a different calculation from financing a car, because a truck this well built tends to stay useful long after the loan is done. You own it outright at the end, which matters on a vehicle people keep for a decade and put real work through. There is no mileage cap, so a long commute up I-69 or a season of towing costs you nothing extra. You can fit it out as you like, from a bed liner to a gooseneck setup, without worrying about how it returns. And a boxed-frame truck with a proven EcoBoost V6 is the kind of hardware that holds its value, so the equity you build is worth building.
Vehicle Features
for the 2026 Ford F-150 STX/XLT
Performance and Powertrain
The 2.7L V6 EcoBoost is the standard engine on the STX and the XLT alike, and it is a genuinely capable one. It makes 325 horsepower and 400 lb-ft of torque from a twin-turbocharged V6, with Auto Start-Stop Technology to trim fuel use when you are sitting still. It sends power through the Electronic Ten-Speed Automatic Transmission, which keeps the engine in its useful range whether you are empty on the highway or loaded on a grade. Selectable Drive Modes let you pick Normal, ECO, Sport or Tow/Haul, and Tow/Haul in particular changes how the truck holds gears when there is weight behind it. Underneath, a fully boxed steel frame carries the load, with four-wheel disc brakes and ABS and an electric parking brake.
Interior and Technology
Both trims are built to be lived in. Cruise control is standard, as is a compass display in the instrument cluster and an outside temperature readout, and fade-to-off interior lighting means the cabin does not go dark the second you shut the door. Two USB charging ports come standard, and the XLT adds two more in the rear seat along with a seven-speaker AM/FM stereo and a 12-inch cluster display. Seating is cloth on both: the STX in a unique Sport Cloth 40/console/40 arrangement, the XLT in a 40/20/40 bench with a driver armrest, manual lumbar for the driver in each. Color-coordinated carpet and carpeted floor mats are standard, and the XLT adds rear under-seat storage and a 60/40 flip-up rear seat.
Safety and Security
The F-150’s standard safety equipment starts with a full airbag set: driver and passenger front airbags, driver and passenger seat-mounted side airbags, and Safety Canopy side-curtain airbags covering the first and second rows. Four-wheel disc brakes with ABS are standard across the line. The Ford Security Package is included for a year with activation, so the truck is watched over while it sits at a job site or in the driveway overnight. Rear privacy glass and an electronic rear-window defroster come standard on both trims, which matters more than it sounds like on an Indiana January morning when the back glass is the last thing to clear.
2026 F150 Ford Credit Financing is offering a Low APR on a New 2026 Ford F-150 STX/XLT of 0 % FOR 36 MONTHS including 1000.00 Summer Sales Event Rebate. Ford Motor Company is offering 4000.00 Retail Bonus Rebates not included in the special rate programs. Available for well-qualified buyers. Not all buyers will qualify. Sales tax, title, and Doc Fee of $245 will be added at the time of purchase. See Ed Martin Ford for complete details. Offer expires 08/31/2026