I was in a similar situation as you only that I lost half my household income because wife stopped working. When I ordered my 19 I did a prequalifying offer through my bank (USAA) I have decent credit 780-800 depending on the who you check with, and they gave me a interest rate 2.99% Knowing the local credit union would beat it I ended up going with the credit union as the rate dropped to 2.29% Yes my credit took a little hit with multiple credit checks but when financing 30K that .7% made a substantial difference in the long run. Best bet would be do a local credit union Ford is willing to finance pretty much anyone as I have a subordinate with 500 credit score who just had to have a mustang at 17% interest.

 

 

But you lose out on cash back and other incentives for the 0%.

 

Rates have taken a turn for the worse it seems 3.99% I was just quoted with a 800 score doing 72 months due to a work car program.

 

 

I have not seen 0% on Superduty for well over 6 years if not longer. F150 ya F250/350 its been a hot minute so if you got 0% I am curious on how and who you went through for F250/350 financing.

 

I just financed 36 months at 2.9% through Ford Credit . . . it's the current offer, at least here in Texas . . . and that includes a $500 rebate as well

 

 

I walked in a dealership on a Thursday morning (September of '17) and left that afternoon with a new truck. I had quit my job on Sept 1st and was not yet re-employed, my wife hasn't worked since we married in 2010.

Credit score was right at 800, two mortgages but no other debt with the exception of the monthly churn on credit cards (averages about $2K to cover travel and day to day expenses).

Ford Credit matched my bank's rate of 1.9% for 60 months. Traded my old truck ($12K) and put $5K of cash with it.

This past spring I walked into a Hyundai dealership at lunchtime on a Monday and left with a new Santa Fe for my wife. Traded her 2 year old Kia (paid off) and got 0% for 36 months via Hyundai Motor Finance for the difference. It was actually a better deal for us to use Hyundai's financing than out bank. The best terms were 48 months but we will likely pay it off in 24. The payment is less than $250.

 

I should be picking up my truck very shortly. It's at the rail yard waiting to get loaded on a truck so it may even arrive at the dealership today. I have been hoping that November would bring 0% financing on Super Duties. My current F150 is financed at 0% for 72 months. My credit score is 820 and I didn't put a penny down. Why tie up my cash when someone will let me use their's for nothing? Anyways, 0% on a Super Duty is probably just a dream. On this purchase, I intend to put down $20K cash. I will likely finance around $58,800 (not completely sure what the incentives will be starting tomorrow). At 2.58% for 66 months (through my credit union) the cost to finance will be $4,334. That is the best deal I've found. I hate the feeling that I am giving back my $3000 PCO and the $1500 under invoice that I negotiated.

 

 

I got it at the beginning of August and applied it to my order on 8/24. I have received a $2000 PCO since then but haven't seen or heard reports of a $3000 in that time frame..

 

You guys all have very "Rich Blood"! Financing $78,000 trucks, wow. I can afford one, but felt a lot better paying cash for a $47,000 XLT, $30,000 dollars for a bunch of fancy stuff, don't make sense to me.

 

It is a splurge, no doubt, but I'm really looking forward to all that fancy stuff! I could spend $80,000 on a lot of other things (expensive dinners, sports cars, travel, RVs, etc.) but choose not to. Instead, I usually eat at home, my "sports car" is a Miata, and my fancy truck will pull my used trailer on vacations. I will trade in my F150, and recently sold my 2005 lifted Super Duty and an extra travel trailer so I'm actually downsizing!

And just to be clear, I'm spending only $72K on an $82K MSRP truck. Here in CA, they will get me for another $7,000 in sales tax and registration.