Who are you using for financing?

[jwgreene]

I don’t get it. Why is Ford seemingly so high in their interest rates? I know they have a 0% if you don’t take the rebates, but with GM for example, you can take the rebates and negotiate to .9 or 1.9%. Will Ford not negotiate with people on the interest rate? I’m not seeing anyone with Ford taking the rebates and getting 1.9% or lower.

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[mdmeints]

Only - finance the bare requirment to get me the X$ incentive for Ford Fiance. Looks like I have to finance @ my dealership the minium of 10K - in order to get the $1K incentive

Just paid mine off. Good deal. $9.00 interest to get $1000 rebate. worth it.

 

[currybob]

I did mine about two weeks ago.

Remember how some had posted how Ford wants you to make a couple of payments and all that to keep your title from being delayed and whatever other crap they said.

It was all hype, I got my loan information and payment instructions, which included the payoff for the loan two weeks ago. The payoff amount was listed and good for two weeks I think. I went ahead and sent the payoff and got the title in the mail. No issues at all, smooth as silk. Took one week to get the title after they received the payoff.

Was a good deal to get $1,000.

 

[machz]

Northeast Credit Union 2.19 for 60

 

[Rich55Marshall]

My local CU: 1.99% for 48 months.

 

[cghall77]

?? Ford dealer arranged bank loan through BMO, 84 months @ 3.49%. Annually will dump extra funds to pay off early.

 

[Travis Holcomb]

Up in Canada, there is an app called carbeeza that can trawl all the major financial institutions for financing offers so you could compare and contrast. It can do the same for dealerships and their vehicles as well. Could be better than going to banks or CUs or dealerships individually. Take a look if you want, it will be awhile before they come south to the US though. Carbeeza

Outside of Carbeeza, down stateside, its been awhile since I've had to buy a vehicle, but for the car, I searched for one in my cash-only price range, to avoid financing entirely. For the truck, I was young at the time, so my father paid for that, and I paid monthly to him, it worked but that is definitely not available for everyone, nor does it really build your credit which as a young person, I had no care about, but now I might have done it differently. Might just be a union thing though. For boots on the ground, I'd likely avoid dealerships, they're already getting money for my vehicle and I suspect the rates aren't that favorable. For banks, I'd go with a CU first, on paper at least CUs are to work for the benefit of their union members rather than profit margins for brokerages.

 

[Montmc86]

Just financed this last Saturday through a local Credit Union at 1.74% for 60 months.

 

[Graygoose2021]

Local credit union, 2.74% for 72

 

[poodwecker]

0% for 36 months through ford. No mention of losing any rebates/incentives either.

 

[NicoW]

72 months, 0% interest, 0 money down through Ford. That was back in October 2021 on a 2021 F-150 PB Lariat, 502A High. They had it in stock.

 

[TJSparky]

72 months, 0% interest, 0 money down through Ford. That was back in October 2021 on a 2021 F-150 PB Lariat, 502A High. They had it in stock.

Same deal on 2021 F-150 XLT, 302A, RockyRidge K2
72 months, 0% interest, 0 money down through Ford. That was back in September 2021.

 

[Pelican]

What rate and loan term did you get?

Ford Motor Credit @1.9% for 60 months(purchased 7/9/21)

 

[Pelican]

Same deal on 2021 F-150 XLT, 302A, RockyRidge K2
72 months, 0% interest, 0 money down through Ford. That was back in September 2021.

I missed the 0% by just a few weeks. still happy though

 

[dothedew]

$8-10K off MSRP through Granger Ford, 1.49% 65 months at DCU. $10 fee to join. been a member for a decade now. No hard pull to open the loan. I know I got you all beat Admin may as well just lock the thread.

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