Ford Finance question
Lead Driver
Joined: Jun 2005
Posts: 8,465
Likes: 725
From: Calgary Canada
Around here, the Ford credit promotional rates that they advertise, are not something you can negotiate on, since they are already promotions. And as you noticed, they apply to certain models and model years only. These are a way to clear out old stock right now, which is why you can get such cheaper rates on in-stock 22's instead of an ordered '23.
Mountain Pass
Joined: Feb 2022
Posts: 132
Likes: 30
I actually got 0% for 36 months back in Oct.
Tuned
Joined: Jun 2018
Posts: 458
Likes: 123
From: Arkansas
Doesn't need to be stellar, I got 0% 72 months before the inflation started hitting bad and my score was only like 670-680
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Believe Nothing
Joined: Jun 2004
Posts: 7,514
Likes: 398
From: W. Central FL.
Just a few years back, one could get a discount for financing with Ford. One time my discount was $500. and another time it was $1000. The loan could be paid off at any time with no penalty. Was that a bargain or was it not? Paid it off early and your total cost of the loan was just a few dollars
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Super Moderator
Joined: Jan 2008
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From: Maine, Virginia
Just a few years back, one could get a discount for financing with Ford. One time my discount was $500. and another time it was $1000. The loan could be paid off at any time with no penalty. Was that a bargain or was it not? Paid it off early and your total cost of the loan was just a few dollars
Admittedly Ford credit was pissed. They sent my title to the wrong location which delayed the payoff from my CU which ended up costing me a late fee that the CU was nice enough to add to the payoff check. This all happened without my knowledge but we settled it in short order and now Ford credit can kiss my ***.
My credit score is over 770, a lender will either work in my favor or they won't but if they don't, they won't be asked again.
Cross-Country
Joined: Sep 2017
Posts: 99
Likes: 5
F150's are down to 1.9% 60 months currently (at least in TX).
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