Anyone recently financed through Ford?

[Agashi25]

Has anyone recently financed through ford to get the $1000 cash back? What rates are they offering for perfect credit? The website only says 8.9% which seems insane and not sure if it’s even worth applying lol

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[Krock7360]

Has anyone recently financed through ford to get the $1000 cash back? What rates are they offering for perfect credit? The website only says 8.9% which seems insane and not sure if it’s even worth applying lol

I just did last week, 5.4 with perfect credit. Headed to credit union next week, 1.9 for 63 months, 2.5 for 75 and 3.5 for 84

 

[Agashi25]

I just did last week, 5.4 with perfect credit. Headed to credit union next week, 1.9 for 63 months, 2.5 for 75 and 3.5 for 84

Okay that makes me feel a bit better. Do credit unions give you “new” auto rates when technically refinancing after 1mo with Ford credit?

Also are there additional charges to refinance? Trying to make sure if I go this route nothing unexpected slaps me in the face.

thanks!

 

[Krock7360]

Okay that makes me feel a bit better. Do credit unions give you “new” auto rates when technically refinancing after 1mo with Ford credit?

Also are there additional charges to refinance? Trying to make sure if I go this route nothing unexpected slaps me in the face.

thanks!

My credit union will give me a “New” auto loan with no additional charges.

 

[Arbybaconator]

I just did last week, 5.4 with perfect credit. Headed to credit union next week, 1.9 for 63 months, 2.5 for 75 and 3.5 for 84

Very interesting. I have PenFed - I wonder if they would do something similar.

 

[Krock7360]

Very interesting. I have PenFed - I wonder if they would do something similar.

The absolute worst rate I’ve been given is 3.75 for 84
im gonna do the 2.5 for 75 at Legacy Federal

 

[Wakevictim]

My dealer gave me a couple options to either Finance through Ford to get a lower out the door cost for my truck with a higher percentage rate (to get the kick back from the bank) or pay a higher out the door cost with a lower percentage rate. I didn’t want to go through the hassle of refinancing so I got my truck financed through Wells Fargo at 2.94% for 72 months at the slightly higher price. I Found out that it was a win-win because I haven’t found a better out the door price then the truck I got.

 

[mdmeints]

I got 4.2 with 10000 financed. That is the minimum you can do to get the 1000 back. It will be paid off in 21 days. Spending 40 to get 1000. Good deal.
Actually paid only $9.00 in interest. $991 return on investment.

 

[BigTex22]

My dealer gave me a couple options to either Finance through Ford to get a lower out the door cost for my truck with a higher percentage rate (to get the kick back from the bank) or pay a higher out the door cost with a lower percentage rate. I didn’t want to go through the hassle of refinancing so I got my truck financed through Wells Fargo at 2.94% for 72 months at the slightly higher price. I Found out that it was a win-win because I haven’t found a better out the door price then the truck I got.

I financed with the dealership to get the lower cost, but will be moving the loan to our local credit union to get a much better rate.

 

[Nomadic_One]

Just financed through Ford tonight. 3.9% for 72 months with over 800 credit score.

 

[Agashi25]

Just financed through Ford tonight. 3.9% for 72 months with over 800 credit score.

Shoot I’ll be looking for a similar rate then. Appreciate the info! CUs around me advertise 3-3.5 for 72 around here so 3.9 isn’t half bad compared to them.

 

[Nomadic_One]

Shoot I’ll be looking for a similar rate then. Appreciate the info! CUs around me advertise 3-3.5 for 72 around here so 3.9 isn’t half bad compared to them.

Yeah, I wasn't expecting that rate. Even more surprising was my dealer gave me an extra $1100 off x-plan plus the $1000 Ford financing offer. With the First Responder discount, that equated to $2600 off. Gotta give it to Jerry's Ford in Leesburg, VA for taking care of me. Excellent service!!

 

[Agashi25]

Yeah, I wasn't expecting that rate. Even more surprising was my dealer gave me an extra $1100 off x-plan plus the $1000 Ford financing offer. With the First Responder discount, that equated to $2600 off. Gotta give it to Jerry's Ford in Leesburg, VA for taking care of me. Excellent service!!

Damn! I’m glad you got a good deal man. Show some pictures of what you got!

 

[Nomadic_One]

I'll get some pics tomorrow and post them up after I get her cleaned up a bit. Got her home about an hour ago.

 

[Matthew2118]

Yeah, I wasn't expecting that rate. Even more surprising was my dealer gave me an extra $1100 off x-plan plus the $1000 Ford financing offer. With the First Responder discount, that equated to $2600 off. Gotta give it to Jerry's Ford in Leesburg, VA for taking care of me. Excellent service!!

Does this mean that you used X-plan pricing, but were still able to get an additional $1100 off on top of still using x-plan? Because everything I read, and my dealer told me, most things like the first responder and dealer discounts do not stack with x-plan. I know manufacturer incentives and PCOs do stack. And if you were able to get a dealer to stack discounts that I didn't think were previously stackable I'd love to try to convince my dealer to do it!

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