2015 F250 SD Platinum How much off MSRP?
03-21-2015, 09:19 AM
#11
Senior Member/Vietnam Vet
I financed my F150 via Ford Credit to get the $1000 incentive, but they charged me 6% with an outstanding credit score, so they only got two payments before I refinanced through my credit union for much less. That and minus the those two payments saved me $65/month. When my other credit union offered a better deal a year later, I called my first CU and they met that rate. It is my money, after all.
Last edited by SkiSmuggs; 03-24-2015 at 12:33 PM.
03-22-2015, 09:26 AM
#12
Senior Member
I financed my F150 via Ford Credit to get the $1000 incentive, but they charged me 6% with an outstanding credit score, so they only got two payments before I refinanced through my credit union for much less. That and minus the those two payments saved my $65/month. When my other credit union offered a better deal a year later, I called my first CU and they met that rate. It is my money, after all.
03-22-2015, 01:24 PM
#14
Senior Member
I realize that adds the additional factory discount for "Ford Credit Retail Bonus Customer Cash" ($1K), but doesn't this end up costing you more in the long run? Meaning you finance through Ford Credit at a higher APR in order to get the cash discount off the MSRP, but then when you head over to your local credit union to refinance at a lower rate you're now up against "used car" APR rates which are typically higher then "new car" rates you could have obtained in the first place. Maybe I'm not considering something. Do you have any feedback on how to take advantage of this offer without getting screwed?
03-23-2015, 12:28 PM
#16
Senior Member
Oh and btw you can refi BEFORE the first payment to FordCredit without any issues while keeping the Ford Credit rebate. I and many members on here have with no problems regardless what the finance guy says. I even got a refund check from FordCredit when i refi'ed mine.
Don't trust the finance guy. Go through Ford to get the credit then refi it. You still keep the credit and you get a better rate (new car rate).
Wayne
Don't trust the finance guy. Go through Ford to get the credit then refi it. You still keep the credit and you get a better rate (new car rate).
Wayne
11-11-2018, 03:22 PM
#18
The finance guy will get charged back if you refinance in under 90 days. Not fair to him really. I refi’d and 95 days. Sometimes people forget that the car salesman and his time is valuable and they do have a family to feed.
The price I got from my dealer was very easy with no tension or stress. That’s the way it should be. If you got a dealer that screwing your round you’re at the wrong place.
The price I got from my dealer was very easy with no tension or stress. That’s the way it should be. If you got a dealer that screwing your round you’re at the wrong place.
Oh and btw you can refi BEFORE the first payment to FordCredit without any issues while keeping the Ford Credit rebate. I and many members on here have with no problems regardless what the finance guy says. I even got a refund check from FordCredit when i refi'ed mine.
Don't trust the finance guy. Go through Ford to get the credit then refi it. You still keep the credit and you get a better rate (new car rate).
Wayne
Don't trust the finance guy. Go through Ford to get the credit then refi it. You still keep the credit and you get a better rate (new car rate).
Wayne
11-17-2018, 05:06 PM
#19
Senior Member
You have to watch finance guys...
Last edited by rohada; 11-17-2018 at 05:18 PM.