View Poll Results: How much is your payment?
$0 to $250
14
5.32%
$251 to $500
30
11.41%
$501 to $750
77
29.28%
$751 to $1000
51
19.39%
$1001 to $1250
31
11.79%
More than $1250
11
4.18%
Paid Cash
41
15.59%
My Business/Employer Paid For It
2
0.76%
My Parents Paid For It
6
2.28%
Voters: 263. You may not vote on this poll
How Much Is Your Payment?
Tuned
Joined: Jul 2018
Posts: 449
Likes: 0
3.49% / 3.59% on my usual sites - Navy Federal and Pentagon Federal. A 60 month is just a little more per month than Ford Credit's 72 month rate. $49k financed. I have about 13-14 months left of my wife's 3-yr Rubicon loan, and about 3.5 left on my Shelby loan. I'll double up payments when the Jeep is paid off and pay the S/D off in about 3 years. Or sell the Shelby and pay it off in 2.
Fleet Owner
Joined: Jan 2004
Posts: 26,007
Likes: 575
From: Brentwood,CA
Mine is really depressing.🙄
2017 6.7 F350 XL CCLB 4x4 $1090.00 60 Months 4.9% 10k down
2018 6.7 F450 XLT C&C 4x4 $930.00 for 48 Months 5.45% 8k down
2018 F150 XLT CCLB 4x4 $756.00 for 72 Months 4.74% 0 down
2018 F150 XL SCLB 4x4 $565.00 for 36 months 4.74% 6.5k down.
2017 6.7 F350 XL CCLB 4x4 $1090.00 60 Months 4.9% 10k down
2018 6.7 F450 XLT C&C 4x4 $930.00 for 48 Months 5.45% 8k down
2018 F150 XLT CCLB 4x4 $756.00 for 72 Months 4.74% 0 down
2018 F150 XL SCLB 4x4 $565.00 for 36 months 4.74% 6.5k down.
Logistics Pro
Joined: Feb 2005
Posts: 3,529
Likes: 390
From: SEVA
1.6%APR for 36 months after $51K down payment. Will pay it off after 18 months. My retirement income from our company's previous owner (Tenneco, same company that owns Rancho) covers the monthly payment, so there was zero impact on my take home pay. First new truck I've bought since 1986.
Senior User
Joined: Feb 2013
Posts: 122
Likes: 0
My first new truck the 15' at 22yrs old I put down 4K and it was 40xxx$ after TT so I finance 36xxx$ at 4.25% payment was 586$ for 72months
my 17 was 59xxx$ after TT , Truck was rebated down 10k So went to 49xxx$ and than the dealer gave me 6500$ trade in on what I owed on my 15 so final loan amount was 43xxx$ And I pay 683$ For 72month at 3.50%
I'm happy I traded my 15' in for the 17+ trucks are so much nicer in every aspect and plus I got to try out the diesel for only 100$ more a month can't complain love it so far
my 17 was 59xxx$ after TT , Truck was rebated down 10k So went to 49xxx$ and than the dealer gave me 6500$ trade in on what I owed on my 15 so final loan amount was 43xxx$ And I pay 683$ For 72month at 3.50%
I'm happy I traded my 15' in for the 17+ trucks are so much nicer in every aspect and plus I got to try out the diesel for only 100$ more a month can't complain love it so far
Tuned
Joined: Jan 2018
Posts: 298
Likes: 5
Ordered a 2019 Base XLT, just the options I would use or may use in the future. This kept the price down so I paid cash, because I could. My other truck, a F350 is 12 years old. I tend to take care of and keep my Trucks a long while. Previous 1999 F250 I had for 8 years. I guess it is nice to trade every couple years, like a lot of the Guys on this Forum, but seems an awful waste of $.
Elder User
Joined: Jan 2014
Posts: 741
Likes: 2
From: IA/GA/HI/FL/VA/CA/ME
Bought it last year & traded in my paid off 2013 F150 and put some cash down as well. 3.9% apr initially through Ford so I could get an additional discount. Made a couple payments and then refinanced through my bank at 2.39%. In the end my payment is under $400 for 36 months.
In reality, there are tons of variables that play into monthly payments. I never tell a dealership what I am willing to pay per month. It's always about the bottom line for me.
In reality, there are tons of variables that play into monthly payments. I never tell a dealership what I am willing to pay per month. It's always about the bottom line for me.
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Tuned
Joined: Oct 2006
Posts: 449
Likes: 40
I started out with Ford financing @ 6% and I refinanced with my CU @ 2.74% over 72 months a month later (did this to get the bonus cash for using Ford financing). I think I put $5K when purchased and another $5K down when refinancing. Would have done more but at 2.74% it does not make sense when mortgage is a higher rate and investments are averaging more than 2.74%. Annoys me to have a an auto loan (haven't had one in 10 years or so. If everything were at the same rate I would payoff the auto loan tomorrow. Monthly it's high $700's but I pay extra so pay it off in 5 years or less.
Senior User
Joined: Aug 2018
Posts: 104
Likes: 0
From: Driftwood, TX
Putting cash into a vehicle in this investment market makes no sense to me. I financed it all (less TT&L) at 3.35% and left the down payment cash invested where its making 28%/yr. No brainer.
Senior User
Joined: Mar 2013
Posts: 306
Likes: 1
Originally Posted by TXKR
Putting cash into a vehicle in this investment market makes no sense to me. I financed it all (less TT&L) at 3.35% and left the down payment cash invested where its making 28%/yr. No brainer.
Freshman User
Joined: Oct 2018
Posts: 43
Likes: 0
Side note, super excited since today is the day my Magma F-250 Larait 6.7L order should have been submitted. Dream truck for as long as I can remember. Trading in a ‘12 F-150 Platinum with 97K that has treated me really well. Really looking to improve on my MPG from my current 6.2L!