Ford is currently offering 0% finance for 72 months through the end of April. Is there anyone that has paid attention to the financing deals for the past few years?

I’m wondering if the 0/72 comes around a couple times a year or if there is usually only one offer per year like the current one?

 

I got 0% for 60m this past February. I'm not sure if they offered the 72m at that time.

 

With what rates are right now, I'd take that deal!

 

Be sure to look at the fine print...you can often come out better if you use a different financing that lets you keep the rebates. Look at it all, sales tax, the whole thing.

 

As far as I can tell the financing can be stacked with all current incentives in my area.

 

There are 2 sets of incentives. Some come from Ford Motor Company. Some come from Ford Finance. Almost, but not always, the Ford Finance offers that lower the rate below the normal rate (which is 5%+ now) result in a reduction in Ford Finance rebates. Same as paying cash.

The only way to know is to have the dealer run a Smart Vincent report for the specific truck. Make sure you look at each finance period, rate, and incentive change. IF 0% for 72 months doesn't reduce your incentives, that's great - but unusual.

If it does reduce your incentives, take the highest ones, pay off the loan days later, and refinance with someone like PenFed.

 

I've been using the same dealership since 2001, and they always run it both ways and show me the numbers. Getting a little higher int rate and taking all the incentives has always worked better for me. I also could take all the rebates/incentives and use my own finance, but I usually get under 2% from Ford for 50 or 72 months, where my CU is in the low 3's or higher depending on current rates.

 

When did this start? I literally picked my replacement truck (buyback) up this past Saturday and it was like 5% on F150s for 60 months.

 

For my last buy they were offering 0% or .9% and if you went at 0 the selling price was more...given how short I finance I went .9 and got a much better purchase price.
The overall difference was close to 2k

 

Signed the deal July last year. There were no incentives available beyond $1000 off if financed through them at regular rate or 0% for 72 months. I took the 0%.