BoneCrusher

Searched to see if there was a general time but didn't find anything. My local dealer got the exact truck I'm looking for and I'm just deciding what to do lol. I usually don't even think about taking a car loan without 0% but just wanted to see what everyone knew about Ford offering zero percent.

I know the current incentives go until the beginning of January so not before then I assume. Thanks!

moose_knuckle

They are in Canada now

buzzin 1/2 dozen

It's been my experience you get 0% or discounts, not both.

excaliber

I think a better question would be "When do you think the Incentives will be the best on the 2018's?"

BoneCrusher

Thanks for the replies. Good point excaliber I am really only interested in zero percent financing for the most part though. I can get 2.9% through a credit union and I have not approached the dealer to see what they have available to them through non Ford financing.

Iamraiderpower

hopefully soon because GM is offering 0% 72 mos right now

BoneCrusher

I saw that, that's a deal. Was on 2017's I believe.

RedsRock302

I wouldn't hold my breath (although I kind of am, since I am holding out for the best incentives to order my 2018). They still have quite a few 2017's to unload before year end at my local lots. I was thinking that March (I heard that is the next "truck month") would be the best timing to get the best incentives and still be able to order one, and see what the 19's may have.

BoneCrusher

Exactly what I was thinking too RedRocks probably March. I would need to order too I'm sure.

ProfessorP

iTrader: (1)

Same here! Manufacturer 0% financing usually comes with little to no discounts.

As an example my '17 F150 XLT window sticker was $49,800. Leaving tax, tag and title and down payment out of the equation.

Sticker price: $49,800
Interest: 2.9%
72 months
Total cost: $54,318
Interest paid: $4,518

Sticker price: $49,800
Interest: 0%
72 months
Total cost: $49,800
Interest paid: $0

Discount and incentive price: $39,800
Interest: 2.9%
72 months
Total cost: $43,411
Interest paid: $3,611

Going with 0% interest costs $6,389 more than taking the discounts and incentives and paying higher interest.

I went a step beyond that and received around an extra $1,200 in incentives for going with Ford Finance at the stupid high rate of 6.9% (Nuts considering my 859 FICO). The discounted price I paid not including tax, tag and title, was considerably better than the $10,000 off listed above. 30 days after buying the truck I refinanced at my credit union at 2%.

In the end I saved a lot more by not going with the 0% financing offer.