toptobottom

I got my FMC paperwork about 3 weeks after purchase. I refinanced with DCU.org. I uploaded the payoff amount to them with address info and they sent Ford a check immediately. Ford sent me a Title with payoff release letter within 2 weeks.

This is for NY:

I downloaded a two DMV forms - one to get duplicate title and remove lienholder (FORD) by including original payoff letter with $20 fee and copy of Driver's license.

The second form is to add a lienholder - DCU - which needed my signature and a $5 check. Because DCU had to stamp/sign the 2nd form, they offered to take care of the mailing of both documents free of any handling charge, other than including individual check fees made out to NY DMV, So, I just forwarded the paperwork to them to take care.

This is really a piece of cake and worth it for an hour of work. I guarantee the hourly rate will be much more than what an Attorney charges. In my case the FMC rebate was $1,250 - Cha Ching!

toptobottom

LOL - it's a good pain to have in the end because dealing with the Devil is like having a part-time job!

Thanks for that rate info.

DCU.org has a refinance rate of 2.24% @ 65 months (nice because it lowers the payment sightly over a 60 mo. term) if you set up a checking/savings account which gives you a debit card for access too. To get this rate you need to setup a direct deposit if your employer offers it. You can do a split direct deposit in case your wondering so it could be the exact amount of your truck payment. Otherwise, without the direct deposit it's 2.74% (65 mo.). Also you can do 3.24% @ 72 mo. term with DD and 3.74% (72mo.) without DD.

DCU was so accommodating and easy as pie to do all online. I did hit a small hiccup with the online confirmation of rates and got a call immediately of apology accompanied by a rate reduction to 2.74% @ 72 mo without DD for my tiny inconvenience. Their outstanding reviews were also a tipping point for me.


PenFed and NFCU also have similar rates but I'm not sure of the details.

firecadet613

No need for a title. Call Ford Credit's 800 number and use your social to get your account number/payoff amount. Give that to your bank/credit union and they will take care of it. I've done this twice now - both paidoff in under 2 weeks.

wiread

mine took less than a week. When I called originally, the monday after I bought it, they didn't have the account created yet. Said it would be 10 days to 2 weeks before that was done. But my CU called on that Thursday I think so less than a week after purchase and I had the amount paid off to Ford Credit and a new loan with CU.

F150Enthusiast

I know this is not the best forum for asking about a raptor but I'm going to see if I can get a Supercab Base Raptor at sticker, anyone know of any good dealerships in the northeast. Would It be possible at sticker? I've seen some with a 15K + mark up? If I can't get for MSRP, I'll settle on a XLT Sport.

Celtic Knot

Can the pricing at Belzers Ford in MN. Be correct? $9000 off a 2018 Platinum. I get that their price includes the factory incentives, but taking those out of the equation they are $2,000 to $2,500 less than anyone in my neck of the woods.

toptobottom

Yup, just check your Zip Code to see if they match the ones they've deducted. They also subtracted $500 for First Responder (not sure why they do that unless you qualify which not many will - odd) so you'll need to add it back to your total. This gets you to YOUR true 'Unconditional Price'.

paulhdelman

$500 under...

twinkie10

First time poster after reading this thread for a few months.

I PM'ed toptobottom asking if this method applied to F-250s and he said the general formula should work. I ended up purchasing a car with MSRP of $72,330.

The purchase price ended up being $64,360 (with delivery fee included) for a dealer discount of $7970 or the equivalent of an 11% dealer discount. On top of this I got the $2750 in incentives from FoMoCo for financing through them. I also got a $750 private offer from browsing the website so total was $3500 off the $64,360 for a total price of $60,830 before TTL.

This is in Southern California. I had to drive about 1.5 hrs from San Diego to the inland empire but wanted to share in case anyone is wondering if they can apply this to Super Duty trucks.

Thanks everyone for participating. I learned a lot and enjoying my new F-250 Lariat.

toptobottom

WOW! You negotiated a great deal for San Diego. An 11.22% to be a bit more exact. I'm sure that makes you enjoy your new F-250 that much more. Congrats on getting that $750 as a bonus. So, I assume you got the pop-up box while signed in to Ford.com. If so, can you share if it was on a computer or phone/tablet?

The only thing that others Buying in that area need to take into account is that although I urge you to try this as your Target percentage, doesn't mean you'll get the same. This deal was unique being it was a less popular selling truck and being that it moves a bit slower, the Dealer may have had specific reasons to move it out from their inventory. To remind everyone, this San Diego area had two previous deals averaging 9.5% about 2-3 months ago.

Thanks for sharing this!

Congrats and enjoy your new truck!