changed my mind

 

go to the ford partner site, enter your partner code, then build a truck, then click search. it will take you to fords site, and it will show you x plan prices.

 

X-plan is for vendors and friends.

A and Z-plans are for Ford employees and their immediate family. The A-plan is for current employees and the Z-plan is for retired employees.

The plan prices (all of them) are set by Ford at the time of production. Over time, the exact same vehicle can have different plan prices.

However, again, they are set by Ford at the time the invoice is created.

If you are buying with one of these plans, you are entitled to see the invoice itself and it will show all of the plan prices along the bottom...clearly stated.

The good news about a plan price is that many of the transaction fees are all set by Ford (low) and the dealer is not permitted to vary them.

Hope that helps.

 

different vehicles and trim levels have differing levels of discount. My XLT came out to $44820 sticker price, $40677 invoice, and $39022 with the Z plan, so its a little bit more than 4% under invoice for the z plan on the 2015 F150's.

 

You get any rebates or discounts on that as well? From my understanding those are applied after axz plan price.

 

they said something about incentives for using ford's credit service, however I get a much better rate and save way more over the loan's life by going through my credit union. if anything in regards to incentives comes out when I pick up, it'll apply.

 

Take the $1000 to finance with Ford. Then the following week refinance with your lender.

Don't fall for the "you have to make 3 payments with FMC or they come after you for the rebate" line. Thats a lie. Dealer gets a small kickback if you make 3 payments. Those 3 payments cost you an extra $200 in interest so dont do it.

 

Three years ago, I agreed to a $500 instant manufacturer's financing rebate and, before the 1st payment was due, refinanced through my CU at a lower rate at a total cost to me of $78 for vehicle re-registration/title fees...saved $$hundreds in interest outlay.

 

I was told the same thing, to wait three months. So this is not the case? I can refinance right away?

 

yes. I refinanced a week later after buying my 2012 new and still got the $1,000 off discount available at the time applied over the Z plan I used.