Ford Finance interest rates

[LH-PPB]

Got mine in December 2024 for 4.9% for 72. Always looking for a refi for a lower rate.

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[matthewprenger]

Picked up a gold certified 21 powerboost in March. Ford was offering 5.49 for 60 on certified vehicles so I took advantage of that. Closest option from my local credit union was 5.99.

 

[Rob89]

I bought my F-150 this past Sunday. I got 5.9% for 72 months with a 800 credit score.

 

[200B]

I bought my F-150 this past Sunday. I got 5.9% for 72 months with a 800 credit score.

What year model?

 

[Rob89]

What year model?

2025

 

[200B]

2025

Ok thanks. I have one coming in June ish…

 

[Rob89]

They tried to sell me some 8 something rate from some no name finance company. Then they realized that I was going to walk over the rate and brought me over to FoMoCo’s promotional rate. This is my third vehicle purchase in the past year and they are all in the 5’s.

 

[200B]

They tried to sell me some 8 something rate from some no name finance company. Then they realized that I was going to walk over the rate and brought me over to FoMoCo’s promotional rate. This is my third vehicle purchase in the past year and they are all in the 5’s.

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

 

[Rob89]

The rate will go lower with a shorter term. The ford promotion was 2.9 for 36, 3.9 for 48, 4.9 for 60 and 5.9 for 72.

 

[flixden]

The rate will go lower with a shorter term. The ford promotion was 2.9 for 36, 3.9 for 48, 4.9 for 60 and 5.9 for 72.

Wow. My truck is in transit to the dealer.
I called the dealer and was told that there are no promotional rates from Ford currently.
Is there any way to actually verify that? Could it be a regional thing, or are they lying?

 

[Rob89]

I’m in the Tampa area. I see the 5.9 for 72 advertised on their website. I’d push back on that dealer. Mine tried playing games too until they realized I was going to walk over the rate. Then they got me approved for the promotional. Financing real quick.

 

[flixden]

I’m in the Tampa area. I see the 5.9 for 72 advertised on their website. I’d push back on that dealer. Mine tried playing games too until they realized I was going to walk over the rate. Then they got me approved for the promotional. Financing real quick.

Thanks for the details!
Could you send a screenshot and link?

 

[Rob89]

 

[flixden]

They are also showing a $1,000 bonus cash offer on your screenshot. This is crazy, I am seeing absolutely nothing like that.

 

[Rob89]

Maybe it is a regional thing then.

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