Ford finance rates

[spectre446]

Who has financed their truck recently through Ford credit? What rates are you getting for 72 months? I see 1.9% for 60 months advertised right now

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[dhrandy]

I thought I had seen 3.9% for 72 months. I think I'm going to go with a credit union.

 

[Merccat]

Yeah I think it was something like 0.9 for 36 (maybe 48), 1.9 for 60 and 5.9 for 72.

Talked to my credit union and confirmed they have 1.75 for 72. Only reason I would go with ford finance is if there was some incentive tied to it, and then I would immediately refinance.

 

[spectre446]

Yeah I think it was something like 0.9 for 36 (maybe 48), 1.9 for 60 and 5.9 for 72.

Talked to my credit union and confirmed they have 1.75 for 72. Only reason I would go with ford finance is if there was some incentive tied to it, and then I would immediately refinance.

If I refinance there's no way for the lending institution to consider the car new right? Even if I refinance the next day after purchase?

 

[UGADawg96]

If I refinance there's no way for the lending institution to consider the car new right? Even if I refinance the next day after purchase?

Refi rates shouldn't matter from my experience whether next day or 90 days later. Since there aren't any Ford rebates for using their financing, just get your own before you purchase to make it easier if your CU can beat their current offers.

 

[imnuts]

If I refinance there's no way for the lending institution to consider the car new right? Even if I refinance the next day after purchase?

That will depend on the lender. My credit union considers anything new off it was purchased within the past 90 days. I'm just waiting on my paperwork from them to refinance what I got from the dealership.

 

[OSKARF150LARIAT]

just an FYI,

 

[BLoflin]

Refi rates shouldn't matter from my experience whether next day or 90 days later. Since there aren't any Ford rebates for using their financing, just get your own before you purchase to make it easier if your CU can beat their current offers.

Ford.com Build&Config off the summary page where you can then chose Finance or Lease, under Finance it shows Ford Credit doing from 0%APR (36 month) to 5.9% (84 month), but all of them show a $1300 cash rebate for financing with Ford.... Of course actually approval and rate will depend on your credit score.

 

[kb2755]

Canadian offer on 2021s right now:

 

[dhrandy]

I was a little off. You can actually find it on the finance page when you build a truck for USA.

3 Year or 36 Month = 0%
4 Year or 48 Month = 0.9%
5 Year or 60 Month = 1.9%
6 Year or 72 Month = 3.9%
6 Year 3 Months 75 Month = 4.9%
7 Year or 84 Month = 5.9%

 

[Thinbluef150]

I plan on taking 1.9 for 60 months. I wouldn’t advise financing a vehicle for 72 months. Hell, it’s not even smart to finance a depreciating asset for 60 months.

I was a little off. You can actually find it on the finance page when you build a truck for USA.

3 Year or 36 Month = 0%
4 Year or 48 Month = 0.9%
5 Year or 60 Month = 1.9%
6 Year or 72 Month = 3.9%
6 Year 3 Months 75 Month = 4.9%
7 Year or 84 Month = 5.9%

Is there an extra incentive for taking a certain rate? And if so, can that incentive be combined with X-plan/First responder/Retail bonus cash?

 

[dhrandy]

I plan on taking 1.9 for 60 months. I wouldn’t advise financing a vehicle for 72 months. Hell, it’s not even smart to finance a depreciating asset for 60 months.


Is there an extra incentive for taking a certain rate? And if so, can that incentive be combined with X-plan/First responder/Retail bonus cash?

You can find all the incentives in the link below. They don't try to hide any of them.
2021 Ford® F-150 Truck | Pricing, Leasing & Incentives

 

[Thinbluef150]

You can find all the incentives in the link below. They don't try to hide any of them.
2021 Ford® F-150 Truck | Pricing, Leasing & Incentives

Yes, I’ve been on that page a hundred times, but I’ve never seen where it shows that you get an extra rebate for financing through Ford.

 

[dhrandy]

Yes, I’ve been on that page a hundred times, but I’ve never seen where it shows that you get an extra rebate for financing through Ford.

There is the build and order a new car rebate. But as far as I know the numbers on there are the incentives at this time. I would think they would ad some end of year incentives if they start getting trucks to dealers.

 

[BLoflin]

Yes, I’ve been on that page a hundred times, but I’ve never seen where it shows that you get an extra rebate for financing through Ford.

I stated just above. $1300 rebate for Financing (actually $1400 for Limited). It right on the page link posted, under Pricing & Incentives, shows it for every trim.

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