Ford Finance interest rates

[Larrymoe]

I just bought a 2025 Platinum PB. The Ford rate was 9% and change. I will pay it off as soon as I get the first note.

Why didn't you just buy outright at the purchase?

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[Larrymoe]

Very happy to have gotten in at .9% through Ford last September.

 

[Tommy]

Why didn't you just buy outright at the purchase?

Well, I had no idea the interest rates were over 9% at Ford. Had it been a 2-3 % I might have just borrowed the money as I get more than that on savings. The price difference between my Ram trade in and the new Ford was $2,000 more than I had in my checking account. So, I borowed the money and will pay it off when the paperwork comes in. I'll pay one month's interest likely. No big deal.

 

[PowerBoostSoCal]

I bought a '25 Lariat under the employee pricing plan - what a great deal! Saved about $8K off MSRP!! The dealer set me up with Wells Fargo - 48 month - 6.89%. USAA is a bit lower and I might switch to them later on. NOTE - Ford announced they WILL BE marking up all vehicles to cover the tariffs - so buy a new one NOW if you need a new truck!! The dealer also gave me an honest trade using Edmunds trade in value in the "good" range - apparently they sold it within about 10 days. So good for all involved.

 

[JumboJVT]

If the employee pricing discount won't cover the tariff upcharge by at least double at delivery, I'll not accept my order. I don't have to have a new truck; want one.

 

[bgalakazam]

Oof. I have a 1.8% on my 21 f150 and 0.9% on my 22 explorer (60mo both). Both ford. Part of why I don’t want to trade up anytime soon.

 

[flixden]

If the employee pricing discount won't cover the tariff upcharge by at least double at delivery, I'll not accept my order. I don't have to have a new truck; want one.

The employee pricing is not much but a gimmick. I had negotiated exactly $375 more than the A-plan price for my ordered Lariat, before the employee pricing was announced.
Seems to me like I took a big step back, and all my negotiating was wasted time, LOL.

 

[JumboJVT]

The employee pricing is not much but a gimmick. I had negotiated exactly $375 more than the A-plan price for my ordered Lariat, before the employee pricing was announced.
Seems to me like I took a big step back, and all my negotiating was wasted time, LOL.

How is it a gimick, if it gives all what you worked so hard for? For that matter, markets vary widely, and the deal you may be able cut, may not be available in other locales. Granger's pricing not withstanding, many, especially rural buyers simply aren't going to buy a truck from a dealer 1500 miles away and then expect attentive response from the local dealer when a problem arises. Say what you will about how it should be, thats the reality of small town America: lotsa folks still see the value of keeping these transactions local. People from "away", less so.

 

[Larrymoe]

many, especially rural buyers simply aren't going to buy a truck from a dealer 1500 miles away and then expect attentive response from the local dealer when a problem arises.

Boy, do I have a thread for you...

 

[flasch192]

If the employee pricing discount won't cover the tariff upcharge by at least double at delivery, I'll not accept my order. I don't have to have a new truck; want one.

I don't believe there are any tariff related up charges on f150s yet , anyway your price is locked in when your order is placed .

 

[Buyer2021]

Granger's pricing not withstanding, many, especially rural buyers simply aren't going to buy a truck from a dealer 1500 miles away and then expect attentive response from the local dealer when a problem arises. Say what you will about how it should be, thats the reality of small town America: lotsa folks still see the value of keeping these transactions local. People from "away", less so.

I tried hard to buy from my small-town dealer (12k population 30 miles from big-city / multiple-dealer Austin) back when I shopped my 2022 order, willing to pay a slight premium, but the sales folks just wouldn't even come close to Granger at that time (even figuring cost of travel for pickup in Iowa).

Subsequently the service department at that same dealer is more than happy to have my business and treat me the same as 'local buyers' (granted, all they've done is recall work). The service department seems to welcome revenue and try to earn repeat business regardless of where the vehicle was purchased.

YMMV.

 

[JCsTruck]

Took advantage of the 1.9% just before the new year and bought a dealer loaner with 4,200 miles on it for $39,990 with the 5.0 V8. Obviously truck you see in signature. MSRP at the time was just under $49,000.

 

[Larrymoe]

I don't believe there are any tariff related up charges on f150s yet , anyway your price is locked in when your order is placed .

There haven't been any changes to prices of anything yet, but that still hasn't stopped the pants pissing.

 

[yc5ac]

Wow those rates from Ford. Guess ill be going with Navyfed financing.

 

[rye]

Does anybody know what Ford offers these days? Maybe somebody who has picked up a truck lately could chime in?

Thanks!

Just picked up a new 2024 F-150 for 4.9% through Ford finance. Traded in a 2021 F-150 I picked up in Sept at 12.49%

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