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In my experience, the key is to convert the money factor to an interest rate (money factor × 2400 = APR) — that way you can see how competitive it really is. Also watch for markups by dealerships and check residual values — they hugely impact monthly payments.

This is normal for new F-150s (and many other modern vehicles) - the reason is in the electronic throttle control and fuel economy / emission control systems. When you shift into Neutral, the ECU does not immediately release the throttle or drop the rpm to idle because: the engine is still...