2025 Super Duty Ordered
More Turbo
Joined: Nov 2015
Posts: 659
Likes: 312
From: Fort Worth
For those who have picked up their trucks what interest rate are you finding? Dealership here first said 7.9 , we mentioned our credit union and then they said 6.5 . We called our branch of credit union which they also deal with and got 5.4 .
Tuned
Joined: Aug 2016
Posts: 322
Likes: 37
From: Tampa Bay
With my truck in production, I started looking at finance rates myself. My local CU is offering 5.24% for up to 66 months and 5.49% up to 78 months.
I may give my dealer the opportunity to beat the rate, we'll see.
If you qualify for NFCU they have even better rates.
I may give my dealer the opportunity to beat the rate, we'll see.
If you qualify for NFCU they have even better rates.
More Turbo
Joined: Nov 2015
Posts: 659
Likes: 312
From: Fort Worth
It was funny when we mentioned our credit union we use he said that’s good because we are a preferred dealership for them . He said let me call the guy I deal with . He seemed frustrated we got a better rate contacting the lender ourselves. Our actual rate ended up around 5.25 with direct pay . So it beat the initial 7.9 he said was the best he could do from Chase . He did say they think in a couple of months rates will drop and Ford will offer good rates. He also said our credit score was lower than what our credit union said it was . It can save you some money to not jump at the first numbers they throw out .
Mountain Pass
Joined: Dec 2024
Posts: 243
Likes: 94
From: New England
It was funny when we mentioned our credit union we use he said that’s good because we are a preferred dealership for them . He said let me call the guy I deal with . He seemed frustrated we got a better rate contacting the lender ourselves. Our actual rate ended up around 5.25 with direct pay . So it beat the initial 7.9 he said was the best he could do from Chase . He did say they think in a couple of months rates will drop and Ford will offer good rates. He also said our credit score was lower than what our credit union said it was . It can save you some money to not jump at the first numbers they throw out .
More Turbo
Joined: Nov 2015
Posts: 659
Likes: 312
From: Fort Worth
They initially said Chase was best they could find . He also said they expect rates to come down in a month or two , only good rates Ford has is on 2024 left overs . When they ran our credit score they said it was in the high 600’s . Our credit union said it’s in the 700’s . Your correct about credit score affecting your interest rates . When I ordered my truck they agreed to 500 over invoice, when it got here one option changed in price by 400 . They honored the build price so my truck ended up being 100 over invoice. I’m happy 😃
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Cross-Country
Joined: Feb 2025
Posts: 93
Likes: 24
Just a heads up for those that don't know. Once you get a pull on your credit report for a car loan (and I think house loan too) any pull within the next 30 days for the same type of loan won't effect your credit. Wait till your serious about closing a deal then go to 3-6 institutions and get rates and let the dealership compete at the last minute.
Logistics Pro
Joined: Jan 2010
Posts: 4,100
Likes: 1,635
They initially said Chase was best they could find . He also said they expect rates to come down in a month or two , only good rates Ford has is on 2024 left overs . When they ran our credit score they said it was in the high 600’s . Our credit union said it’s in the 700’s . Your correct about credit score affecting your interest rates . When I ordered my truck they agreed to 500 over invoice, when it got here one option changed in price by 400 . They honored the build price so my truck ended up being 100 over invoice. I’m happy 😃
More Turbo
Joined: Nov 2015
Posts: 659
Likes: 312
From: Fort Worth
One of the trailer towing packages that offers the trailer tpms , camera and 5thwheel/gooseneck traile bliss was 1700 . Another that looked like basically the same was 1330 . We chose the 1330 option and it came back 1700 option for some reason.
Lead Driver
Joined: Feb 2022
Posts: 7,965
Likes: 4,042
I recently refinanced with Tower Credit Union back in November, low 5% back then, which was a huge jump from 8.4% from my regular CU. I made one payment to the original CU before the refi went through. I think my end rate came to 5.12% with auto pay. Worked out perfect as my original payment on my 2019 was just a tad more a month.
More Turbo
Joined: Nov 2015
Posts: 659
Likes: 312
From: Fort Worth
I did notice on my truck the brackets for the tie down cleats are installed but no cleated are in the truck. I’m my 2020 they were under the back seat in a package. I’m guessing they are an option now .
I also noticed I have AGM batteries, I have the 7.3 with dual batteries. Hopefully they are better than the wet cell batteries in my 2020 F450 I had .
I also noticed I have AGM batteries, I have the 7.3 with dual batteries. Hopefully they are better than the wet cell batteries in my 2020 F450 I had .
Tuned
Joined: Oct 2020
Posts: 449
Likes: 65
I did notice on my truck the brackets for the tie down cleats are installed but no cleated are in the truck. I’m my 2020 they were under the back seat in a package. I’m guessing they are an option now .
I also noticed I have AGM batteries, I have the 7.3 with dual batteries. Hopefully they are better than the wet cell batteries in my 2020 F450 I had .
I also noticed I have AGM batteries, I have the 7.3 with dual batteries. Hopefully they are better than the wet cell batteries in my 2020 F450 I had .
No loss in my book.