0 % financing
More Turbo
Joined: Feb 2011
Posts: 708
Likes: 188
I was thinking roughly the same thing. Do any of these trucks cost $80k? Maybe $60-70k OTD?
But in reality, if it’s 0% then it’s buyers choice. I have seen some put cash down to get the payment decent for 36 mo/0% interest.
But in reality, if it’s 0% then it’s buyers choice. I have seen some put cash down to get the payment decent for 36 mo/0% interest.
Logistics Pro
Joined: Mar 2019
Posts: 4,064
Likes: 13
Financing $80k even at 0% would be a large monthly payment. When talking an F450 Limited I think close to $80 OTD could be close, depending on where one lives. My truck was $6,600 for ttl and is a good chunk cheaper than a limited.
More Turbo
Joined: May 2014
Posts: 643
Likes: 154
From: Poway, CA
MSRP - $81,795
Paid - $72,444 ($1,500 below invoice & $3000 PCO)
OTD - $80,700 after CA sales tax & registration
0% financing is the best deal ever, especially for a big ticket item. I financed $60,700 for 66 months at 2.88% and the finance charge is $4,747. My payment is $832. At 7.9% it would be a $14,342 finance charge and $1,137 a month!
If Ford would have offered me 0% interest for 72 months, I would have financed the entire $80,700. The payment would be $1,121. Using someone else's money and not having to pay for the privilege is my favorite.
More Turbo
Joined: Feb 2011
Posts: 708
Likes: 188
In Calunicornia, you can be OTD at $80K.
MSRP - $81,795
Paid - $72,444 ($1,500 below invoice & $3000 PCO)
OTD - $80,700 after CA sales tax & registration
0% financing is the best deal ever, especially for a big ticket item. I financed $60,700 for 66 months at 2.88% and the finance charge is $4,747. My payment is $832. At 7.9% it would be a $14,342 finance charge and $1,137 a month!
If Ford would have offered me 0% interest for 72 months, I would have financed the entire $80,700. The payment would be $1,121. Using someone else's money and not having to pay for the privilege is my favorite.
MSRP - $81,795
Paid - $72,444 ($1,500 below invoice & $3000 PCO)
OTD - $80,700 after CA sales tax & registration
0% financing is the best deal ever, especially for a big ticket item. I financed $60,700 for 66 months at 2.88% and the finance charge is $4,747. My payment is $832. At 7.9% it would be a $14,342 finance charge and $1,137 a month!
If Ford would have offered me 0% interest for 72 months, I would have financed the entire $80,700. The payment would be $1,121. Using someone else's money and not having to pay for the privilege is my favorite.
New User
Joined: Jul 2019
Posts: 14
Likes: 0
In Calunicornia, you can be OTD at $80K.
MSRP - $81,795
Paid - $72,444 ($1,500 below invoice & $3000 PCO)
OTD - $80,700 after CA sales tax & registration
0% financing is the best deal ever, especially for a big ticket item. I financed $60,700 for 66 months at 2.88% and the finance charge is $4,747. My payment is $832. At 7.9% it would be a $14,342 finance charge and $1,137 a month!
If Ford would have offered me 0% interest for 72 months, I would have financed the entire $80,700. The payment would be $1,121. Using someone else's money and not having to pay for the privilege is my favorite.
MSRP - $81,795
Paid - $72,444 ($1,500 below invoice & $3000 PCO)
OTD - $80,700 after CA sales tax & registration
0% financing is the best deal ever, especially for a big ticket item. I financed $60,700 for 66 months at 2.88% and the finance charge is $4,747. My payment is $832. At 7.9% it would be a $14,342 finance charge and $1,137 a month!
If Ford would have offered me 0% interest for 72 months, I would have financed the entire $80,700. The payment would be $1,121. Using someone else's money and not having to pay for the privilege is my favorite.
Can you share your build/options that you got for $80.7k? I’m waiting out for a 2020 F350 Platinum 6.7 with the following options:
3.55 E lock axle
FX4
ultimate Package
LED roof Marker/Clearance lamps
front and rear wheel liners
inflatable rear seatbelts
rapid heat supplemental can heater
upfitter switches.
best price on a 19 is $80,710, out of state. Best price here in Cali, $81,00
Senior User
Joined: Oct 2017
Posts: 101
Likes: 1
The 0% deal is a major factor in me upgrading, with 0% it doesn’t make sense to buy used. My problem is finding the truck I want locally, the truck has to be on the lot to take advantage of the deal.
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More Turbo
Joined: May 2014
Posts: 643
Likes: 154
From: Poway, CA
Completely agree with you would be nice to do full amount at 0%. Regarding your deal, did you get the 2.88% thru Ford credit or other bank?
Can you share your build/options that you got for $80.7k? I’m waiting out for a 2020 F350 Platinum 6.7 with the following options:
3.55 E lock axle
FX4
ultimate Package
LED roof Marker/Clearance lamps
front and rear wheel liners
inflatable rear seatbelts
rapid heat supplemental can heater
upfitter switches.
best price on a 19 is $80,710, out of state. Best price here in Cali, $81,00
Can you share your build/options that you got for $80.7k? I’m waiting out for a 2020 F350 Platinum 6.7 with the following options:
3.55 E lock axle
FX4
ultimate Package
LED roof Marker/Clearance lamps
front and rear wheel liners
inflatable rear seatbelts
rapid heat supplemental can heater
upfitter switches.
best price on a 19 is $80,710, out of state. Best price here in Cali, $81,00
My truck is nearly identical to the truck you are looking to build. It is a company vehicle (they pay me directly for it), and my employer stipulates no Class 3 trucks (looking to avoid DOT requirements) so I special ordered an F-250 with the High Capacity Trailer Tow Package. This option effectively makes the truck a F-350 with F-250 badges and ratings. The HCTTP and F-350 upgrades are priced similarly.
Last edited by JD'sBigredv10; Jul 18, 2019 at 08:29 AM. Reason: correction
Postmaster
Joined: Jan 2005
Posts: 4,424
Likes: 12
From: BC Canada
I got 0% but not the employee pricing on my 2017 it was in November December of 2016. You just have to watch the build site and offers online. The way I made out on the 0% and what I got on trade and discount offers together made it possible for me to do the 2017, when I was thinking I would wait longer, into 2018 model year. Your right though, it seems the 0% is dependant on areas, and is not always US wide, or Canada wide. It was a total surprise on a new model year, late in 2016, so I jumped on it. I thought I would be waiting more like later 2018.
Logistics Pro
Joined: Mar 2019
Posts: 4,064
Likes: 13
Fords financing rates are generally going to be higher than what can be found elsewhere, especially when they offer cash back with it. When I purchased they had 2 options, one with extremely high rates, double what could be found elsewhere, but came with 1K cash back. The other option was a lower rate, more competitive but still not low, that did not include any cash back. Their promotional rates don't seem to make much sense and are unpredictable, for example, last month was 7.9%/72 with $1K cash back and now its 5.9%/72 with $1K back. Other lenders auto loan interest rates haven't dropped across the board 2%, in-fact they have been gradually going up over the past couple years.
The best I was able to find beginning of last month from a local CU was 3.75%/72.
The best I was able to find beginning of last month from a local CU was 3.75%/72.
Sick 'n Tired
Joined: May 2006
Posts: 2,969
Likes: 47
From: League City, TX
0% on a SuperDuty in the southern US is almost unheard of. I don't ever recall seeing that available here. F150, yes, Expedition or Explorer, yes, Superduty, no. However, being an RVer I would have zero reservations about taking a nice leisurely jaunt to New England to get a good deal on a truck.
Logistics Pro
Joined: Mar 2019
Posts: 4,064
Likes: 13
Some offers have residency restrictions, meaning one might have to be a New England resident to qualify.
