When I first financed my Mount'eer, they (Ford Credit) wanted to finance for 7 years. They stated that I didn't qualify for 3.9 financing. I told them that I was not going to pay for a truck for that long and to shorten it to 5 years. When the first payment statement came in, it listed me at 3.9%. I guess it's how long you finance ...atleast in my experience.