X-plan pricing
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Freshman User
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I guess I didn’t understand how the X-Plan was factoring in. The dealer said the same thing however I thought the X-plan price would counter act the rebates loss and give me the best of both worlds.
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From: San Antonio, TX
It's all a numbers game. To get max rebates, you also have to take Ford financing. Do that, then go to your credit union after your first payment and get 3% or so, then refinance it. Your payments will then be less than zero percent AND you'll have less to payback/lower payoff.
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Freshman User
Joined: May 2019
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It's all a numbers game. To get max rebates, you also have to take Ford financing. Do that, then go to your credit union after your first payment and get 3% or so, then refinance it. Your payments will then be less than zero percent AND you'll have less to payback/lower payoff.
Laughing Gas
Joined: Jan 2013
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You can generally do much better than XPlan on a truck.
The big advantage to XPlan is its supposed to limit all the upsell and have a set Doc fee.
Next time I buy, I may see what Costco can do.
Supposed to be pretty good.
The refinance scheme mentioned by JKBrad is so common my credit union gives you the new car rate.
The big advantage to XPlan is its supposed to limit all the upsell and have a set Doc fee.
Next time I buy, I may see what Costco can do.
Supposed to be pretty good.
The refinance scheme mentioned by JKBrad is so common my credit union gives you the new car rate.
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Joined: May 2005
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From: San Antonio, TX
Agreed. You’ll get the new car rate even if it’s up to 2 years old. Especially if they see that you bought it new.
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From: Maine, Virginia
In order to use X-plan, you must first be a member of a group or an employee of a company that is partnered with Ford. X-plan has no bearing on factory and dealer incentives.
I do agree that on trucks, especially the high volume trim models such as the STX and XLT's, you can do better than X-plan but, on the high end models, possibly not so much but I could very well be wrong.
I would always take the rebates and shop around for better terms after the purchase. When I bought my 2011 truck, I was offered 0% or the rebates. I took the rebates and then negotiated my rates with Ford credit down to 1.9%. In that case I win but times have changed a bit over the last eight years.
I do agree that on trucks, especially the high volume trim models such as the STX and XLT's, you can do better than X-plan but, on the high end models, possibly not so much but I could very well be wrong.
I would always take the rebates and shop around for better terms after the purchase. When I bought my 2011 truck, I was offered 0% or the rebates. I took the rebates and then negotiated my rates with Ford credit down to 1.9%. In that case I win but times have changed a bit over the last eight years.
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