new 2009?
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Junior User
Joined: Dec 2006
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well heres an update people, stoneham ford called about thier sport trac and we might have a deal,but as usual there was a catch some thing about the financing and i said u offered me a deal i agreed and now u say this **** i was like come on but we will see come tommorow by the way its a 08 sport trac limited v8 all the bells and whistles nice chrome clad 18s with nice michelins dark cherry clearcoat real nice ride well wish us luck and thanks for all the input
Super Moderator
Joined: Jan 2008
Posts: 40,024
Likes: 1,519
From: Maine, Virginia
well heres an update people, stoneham ford called about thier sport trac and we might have a deal,but as usual there was a catch some thing about the financing and i said u offered me a deal i agreed and now u say this **** i was like come on but we will see come tommorow by the way its a 08 sport trac limited v8 all the bells and whistles nice chrome clad 18s with nice michelins dark cherry clearcoat real nice ride well wish us luck and thanks for all the input
Tim
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Joined: Jan 2009
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If you finance through Ford there is usually a rebate of between $500-1000. In my case it was $2000.00. That real low rate you got, is it through Ford? Ford Motor Credit is offering some real low rates in lew of a rebate. You can't get both! We opted to take take the rebate of $6500 but financed though FMC at a higher interest rate for the extera $2k rebate. We got a total of $8500 in rebates from Lincoln/Ford. Even though my CU had a better rate, when you compared the finance charges, it worked out better for us to pay the higher interest rate and take the $2k rebate. If you are financing your vehicle never go into a dealers store without knowing what rate you can get from your bank or CU. If the dealer can beat their rate then use the dealers financing. In your case you knew you could get 4.75% from your CU. Is Ford still offering "Employee Pricing"? I hope everything works out and you end up driving your new truck home.
Senior User
Joined: Feb 2008
Posts: 154
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From: Florida
Even if you get an interest rate from you bank or CU before you go to the dealer don't be afraid to call your bank or CU and let them know what the dealer is offering you. My CU will go below their advertised low rate if you can get better somewhere else. Play the banks against each other just like you do the dealers.
Super Moderator
Joined: Jan 2008
Posts: 40,024
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From: Maine, Virginia
Even if you get an interest rate from you bank or CU before you go to the dealer don't be afraid to call your bank or CU and let them know what the dealer is offering you. My CU will go below their advertised low rate if you can get better somewhere else. Play the banks against each other just like you do the dealers.
Tim
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Joined: Oct 2005
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From: SW Virginia
Pretty slick Tim. Never thought of that but should have done it with mine.
Super Moderator
Joined: Jan 2008
Posts: 40,024
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From: Maine, Virginia
My lien holder USAA bank offered a lower interest rate and free gap insurance. I bit that hook in a hurry!
If you want my hard earned money, you at least have to make me feel good about giving it to you.
Tim
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Junior User
Joined: Dec 2006
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hi guys well in typical fashion from salesmans desk to finance office the dealed changed,and once again my girl was let down,i dont think these guys want to sell it ,dumbfounding and frustating how these scum bags act and i mean its at all the dealerships we have delt with, fords sales r down 40% right ,08 stock on the lot for well over 7 months one truck we looked at had a build date o5/08,very frustating but there is another dealer up in danvers that we r going to visit tommorow,they have an 08 xlt v8 white so we will see
Junior User
Joined: Jan 2009
Posts: 58
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Thanks John. Ford jacked me with an interest rate that I thought was too high. I know the dealer was skimming 1-2% of the back of the loan as they commonly do. Then Ford credit wanted $500 for gap insurance. That was the last straw.
My lien holder USAA bank offered a lower interest rate and free gap insurance. I bit that hook in a hurry!
If you want my hard earned money, you at least have to make me feel good about giving it to you.
Tim
My lien holder USAA bank offered a lower interest rate and free gap insurance. I bit that hook in a hurry!
If you want my hard earned money, you at least have to make me feel good about giving it to you.
Tim
In your case Tim, nice job!
Last edited by Draw007; Feb 12, 2009 at 07:26 PM. Reason: typo
Postmaster
Joined: Nov 2008
Posts: 3,938
Likes: 2
From: BC Canada
You mentioned just 1.9 % interest.
Thats a good rate for sure, just read the fine print for extra charges that dealers just love to add on.
The low interest rates right now are great.
Just locked in our mortgage at 4.0 % I love it.
Thats a good rate for sure, just read the fine print for extra charges that dealers just love to add on.
The low interest rates right now are great.
Just locked in our mortgage at 4.0 % I love it.
