It's all mine (payoff!)

[Buyer2021]

All good things must end - in this case it's been using Ford's 0% down / 0% APR loan money for 3 years (I earned ~$5000 with that money!) ...

Still loving my truck, there's 7 years remaining on the 125k miles PremiumCare ESP paid for with some of that 0% money, with any luck I'll never need that, no worries!

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[Riddick]

Congrats and welcome to the club!

 

[My 2ND Ford]

Congratulations, it’s a wonderful feeling!

 

[Highway 11]

It's a great feeling, welcome!

 

[Moe7]

Congrats, even as a cash buyer I was bitter that they excluded the super exclusive :sarcasm: Tremor from the 0% offers. With interest, would have pulled the actual cost of my loaded 402A into the upper 50s.

 

[UGADawg96]

Congrats!!!

For my 2021 that I got 0% for 60 months, I still have 21 months remaining. I want to pay if off so bad, but with Fidelity paying 4% currently, just gonna let the loan bleed until dry.

 

[OffRoadUSA.com]

That's a huge accomplishment, congrats!

 

[whizkidder]

Congratulations! I paid off my ‘22 two years early, and my credit score immediately dropped over 40 points — what a scam.

 

[BILDOZER]

Congratulations! I am sure the truck feels diferent with no payment on it.

 

[956AvalanchePlat1]

Congrats! I skipped all those bull apr promises and payed it cash. Glad to see those aprs do exist somewhere ? Nice to not have a car payment

 

[mxwrk]

Just paid off my 22 as well. Getting the title in hand is always a great feeling!

 

[Buyer2021]

I skipped all those bull apr promises and payed it cash. Glad to see those aprs do exist somewhere

The 0 down / 0% APR was no bull, simply the Ford financing available when I ordered, so under price protection also available when I took delivery, even though that rate was gone on my delivery date.

I could have paid cash on delivery, but was happy to take the Ford free money and earn an additional ~$5k on the declining balance - I look at that as an additional ~10% off my already low 3% below invoice Granger sales price.

For my 2021 that I got 0% for 60 months, I still have 21 months remaining. I want to pay if off so bad, but with Fidelity paying 4% currently, just gonna let the loan bleed until dry.

Woot, I'd have jumped on that, too! Hang in there and watch that money grow!

 

[UGADawg96]

The 0 down / 0% APR was no bull, simply the Ford financing available when I ordered, so under price protection also available when I took delivery, even though that rate was gone on my delivery date.

I could have paid cash on delivery, but was happy to take the Ford free money and earn an additional ~$5k on the declining balance - I look at that as an additional ~10% off my already low 3% below invoice Granger sales price.


Woot, I'd have jumped on that, too! Hang in there and watch that money grow!

Yeah, bought a 25 explorer six months ago and since rates were trash, just wrote the check. Funny the brand new car is paid for but the three year old truck has payments. Haha!

 

[roadPilot]

Congrats! I skipped all those bull apr promises and payed it cash. Glad to see those aprs do exist somewhere ? Nice to not have a car payment

They aren't bull, and you missed earning interest on the money you wouldn't have used if you had taken advantage of 0% APR.

Take a $70K truck cost. If you had that in a high-yield savings account at just 4% to 5% over the past or 5 years, you would have earned close to $14,000 in interest.

 

[Sorrynel]

Congratulations! That must be a great feeling! I paid cash on the spot for my 2021 XLT so I had no payments. They said they never had to count 52k by hand ?

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