Ford Finance interest rates

[NothingKing]

You should be able to see Ford's current financing offers from their Payment Calculator:
https://www.ford.com/finance/payment-calculator/Ford/F-150 F-150/2025

make sure to change the zipcode to make sure to account for any regional incentives.

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[flixden]

You should be able to see Ford's current financing offers from their Payment Calculator:
https://www.ford.com/finance/payment-calculator/Ford/F-150 F-150/2025

make sure to change the zipcode to make sure to account for any regional incentives.

Thanks! That's interesting.
It asks me to enter my own interest rate for my zip code, so there seem to be no incentives.

I got 4.49% for 60 months from my credit union, so that's not bad either.

 

[flixden]

How is it a gimick, if it gives all what you worked so hard for?

I couldn't care less what others negotiate or get, really.
It's just that myself and many would get a better deal if Ford would offer incentives or cash incentives. That's all Inwas trying to say.

Seems like the big winners are the dealers, selling at MSRP now, at least if my assumption us correct that Ford covers the difference with this program.

 

[JumboJVT]

I couldn't care less what others negotiate or get, really.
It's just that myself and many would get a better deal if Ford would offer incentives or cash incentives. That's all Inwas trying to say.

Seems like the big winners are the dealers, selling at MSRP now, at least if my assumption us correct that Ford covers the difference with this program.

So simply, there would be better deals if Ford offered better deals? Even I can follow that....

 

[flixden]

So simply, there would be better deals if Ford offered better deals? Even I can follow that....

Not really. But something like that!

 

[dochawk]

I already told them I will go to my credit union if the rate isn’t good.

I don't even say that much.

I tell them that I'm financing it though a CU. They either offer something better, or I follow through.

on my Miata (2006), it was a Saturday afternoon, too late to get a bank to answer. I told them I'd come for it Monday, and they wrote the paper themselves, without the "per day" nonsense, at the best rate in town (which was actually US Bank, at a smidgen below the best CU rate.

Generally, the dealer writes the paper at a stated rate/payment, and then turns around and sells it. To protect themselves from risk, they put that little sheet with the charge per day and mile if they can't get it approved.

They also hope to find a better rate, and pocket the difference.

I refused to sign that sheet. And with a credit score that had to squint to see down as far as 800, on a vehicle they were pulling from another dealer's lot, they wrote it anyway.

(I refused to deal with the nearest dealer after the slimy sales tactics. So it went from a lot about 5 miles away, past my house on the freeway a mile away, to the more distant dealer!)

Could it be a regional thing,

Ford Credit rates are always regional. And for your home zip code, not the dealer's.

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