Man I crack myself up sometimes
Looking for some opinions
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Freshman User
Joined: Oct 2006
Posts: 43
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From: Elverson PA
Looking for some opinions
I'm looking at 2010 xlt. The sticker is 36,850. How much below that do you all think I could get. Would like to take advantage of the 0% finance.
Thanks guys
Thanks guys
Resident smarta$$
Joined: Aug 2006
Posts: 4,929
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From: Oaks,PA
Thread Starter
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Freshman User
Joined: Oct 2006
Posts: 43
Likes: 0
From: Elverson PA
Thanks juneau. I can use the x plan through my company I work for. Wanted to keep that in my back pocket. Wanted to see if I can do better than the x plan
And as for you Timmy I can be " BIG JJIM F150'
And as for you Timmy I can be " BIG JJIM F150'
Super Moderator
Joined: Jan 2008
Posts: 40,024
Likes: 1,519
From: Maine, Virginia
Shop carefully for your financing rates. I just bought a 2010 Focus on X-plan. I had a total of $3200 in rebates and incentives from Ford. I got 1.9% financing and was still able to use $1250 in rebates and I saved a total of $3200 in finance charges over the life of the loan. That worked out better for me.
Ford isn't being overly generous in factory incentives in my area right now, I think it's $2500 for an XLT and higher trim level. $1500 for XL and STX.
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Resident smarta$$
Joined: Aug 2006
Posts: 4,929
Likes: 9
From: Oaks,PA
When I bought mine at the end of May I got $4500 rebates and they had something crazy like 8.9% financing. I asked the salesman if he was nuts. Since the wife and I have pretty decent credit they got me a 3.79% for 72 mos. from some bank in Ohio. Plus I had some coupon I got from the dealer near me I had all the work done on my diesel last year that they honored, IIRC it was $1500 over KBB for my trade. KBB was like 18k but it was lifted and had stacks, so I guess they need to find someone looking for that. Got like 16,500 for it but still owed 11500 so thats why I went 72 mos. I can always make an extra payment or pay a little extra a month. I never saw it on their lot so I'm SURE the dealer still made out OK... And the salesman said they would sell it on their lot and not send it to auction. I think someone that works there might have bought it. One of my buddies lives around Ephrata PA and he has seen it several times. Oh, and the salesman told me the deal I got was better than I could've gotten with the Xplan. Maybe, maybe not, never mapped it out. I was happy with the payment he got me to, and that was the deciding factor.
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Posting Guru
Joined: Aug 2008
Posts: 2,313
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From: Sunny, Snowy, CO
X-plan is .04% over dealer cost. You'll only do better if you can use A,D or Z plans.
Shop carefully for your financing rates. I just bought a 2010 Focus on X-plan. I had a total of $3200 in rebates and incentives from Ford. I got 1.9% financing and was still able to use $1250 in rebates and I saved a total of $3200 in finance charges over the life of the loan. That worked out better for me.
Ford isn't being overly generous in factory incentives in my area right now, I think it's $2500 for an XLT and higher trim level. $1500 for XL and STX.
Shop carefully for your financing rates. I just bought a 2010 Focus on X-plan. I had a total of $3200 in rebates and incentives from Ford. I got 1.9% financing and was still able to use $1250 in rebates and I saved a total of $3200 in finance charges over the life of the loan. That worked out better for me.
Ford isn't being overly generous in factory incentives in my area right now, I think it's $2500 for an XLT and higher trim level. $1500 for XL and STX.
Posting Guru
Joined: Jul 2005
Posts: 1,617
Likes: 4
From: Denver, Co
Go hit edmunds.com, and build the truck (down to the last option). That will give you both the MSRP & Invoice prices. Alternatively, you can ask the dealership for the price sheet, but it has been my experience that they are usually reluctant to provide a copy.
With some haggling, you can generally get a dealer down to invoice. If the dealership accepts it, the X Plan pricing gets you just under invoice pricing with no haggling...at least for the purchase price of the new vehicle.
Per the Ford Partner website, the current X Plan pricing formula is:
With some haggling, you can generally get a dealer down to invoice. If the dealership accepts it, the X Plan pricing gets you just under invoice pricing with no haggling...at least for the purchase price of the new vehicle.
Per the Ford Partner website, the current X Plan pricing formula is:
Dealer Invoice - (0.4% * Dealer Invoice) + Administration Fee*
*$275 Administration Fee for 2010MY vehicles, $75 Administration Fee for 2009MY and prior vehicles.
*$275 Administration Fee for 2010MY vehicles, $75 Administration Fee for 2009MY and prior vehicles.
Super Moderator
Joined: Jan 2008
Posts: 40,024
Likes: 1,519
From: Maine, Virginia
Go hit edmunds.com, and build the truck (down to the last option). That will give you both the MSRP & Invoice prices. Alternatively, you can ask the dealership for the price sheet, but it has been my experience that they are usually reluctant to provide a copy.
With some haggling, you can generally get a dealer down to invoice. If the dealership accepts it, the X Plan pricing gets you close to invoice pricing with no haggling...at least for the purchase price of the new vehicle.
With some haggling, you can generally get a dealer down to invoice. If the dealership accepts it, the X Plan pricing gets you close to invoice pricing with no haggling...at least for the purchase price of the new vehicle.
Posting Guru
Joined: Jul 2005
Posts: 1,617
Likes: 4
From: Denver, Co
I figured that "close to" and "below" were pretty synonymous. However, to ensure complete accuracy, I have edited my original post with the X Plan pricing formula currently published on the Ford Partner website. 
Super Moderator
Joined: Jan 2008
Posts: 40,024
Likes: 1,519
From: Maine, Virginia
I'm sorry, I'm not trying to be ****. You have however made some great points and we should all appreciate that.
Posting Guru
Joined: Jul 2005
Posts: 1,617
Likes: 4
From: Denver, Co
No worries, Tim! It was worth mentioning that X Plan pricing is below invoice, in hindsight.
There was a part of me that did not want to say that originally because I have seen the X Plan pricing bounce between +/-4% at least twice over the past 5 or 6 years.
There was a part of me that did not want to say that originally because I have seen the X Plan pricing bounce between +/-4% at least twice over the past 5 or 6 years.