medicff0879

That is something you do online with your bank, or Ford, or whomever you finance with. Do you think the RC might be a little "impractical" vs going with extended or a Crew cab? Personally at your age I would want something to grow into with practicality? ALOT can change in your 20's in the 5 to 6 years down the road when your term is up? Speaking from personal experience, I wouldn't want a RC for anything more than a farm truck (tremor is not) or a play truck for not much else than hot rodding on the weekends?

ScottyBoost

Although high for an rcsb in general it's seems like that's good for a tremor by some of the prices I've seen posted here. The 5% however not so much. I'm not sure if you're dead set on the 6 year but if it's an option here's how I did it. Originally when I bought my truck I was just going to pay it in full, didn't even bother looking until I could just flat out buy it. But since I was 19 at the time I wanted to do a payment option to keep building my credit. The deals they gave me on financing were good but what ended up being the best was taking a lease then just buy it out when it done. I took a two year lease at 1% for half the value of the truck then at the end of the lease I'm just going to buy out the rest. So technically it's just doing a two year finance at .5% which is pretty damn good I'd say. If you really need to just take a loan for what's left at the end of the two years and you'll be able to get a better rate by then too. Like I said just an option not many seem to think about.

Sweatmachine

I'm 33. When I was 23 I bought a brand new F250 crew cab FX4 6.0 diesel. My dad cosigned for me. If I remember correctly it cost about $40k, but I might be mistaken. Anyway, I had no need for it other than it was exactly what I wanted and was more than I should have spent on a vehicle. I loved it but after 2 years of $700 monthly payments and $200 a month for insurance I sort of resented it because it kept me from doing other things because I couldn't afford them.

I sold it and bought something cheaper. Fast forward to today and my 2013 F150 STX seems downright practical.

Anyway, you're young and free and your dad wants to help you get a bad *** truck. I'd probably do the same thing again. You'll have fun with it, just remember that 72 months is a long F-ing time and though the newness and excitement will wear off the payments will still be a reality, and your goals will change a lot in the next 6 years.

Abraham5G

Well I'm 24, fresh out of school and I am blessed a good job, I always wanted a badass regular cab and the Tremor is the best regular cab on the market today. I know my plans will change, I have been dating a girl for 2 years and may get married and have kids in 2 yrs, by that time her convertible mustang will be paid off and she wants a 4 door jeep which is more practical with kids. I should probably save up for a down payment on a house and get a new supercrew later on when my '02 supercrew stops working, but I have always wanted a badass sport truck, and this may be my only chance to get one untill after I retire and I'm an old man with no kids living in the house. It will be hard to justify a 2 door truck or even a sports car in the next few years if I plan on marrying and starting a family, so right now is the perfect time to get one unless I wait until I retire, which is a very long time from now.

c-one

Life is short, go for it!

Abraham5G

That's a good plan but I really don't want to lease. Paying cash for the truck is not an option since I don't have it. I am choosing 72 month financing so I can have money to save for other things. I also plan on keeping it for the rest of its useful life and likely won't trade in when its time for a new vehicle

engineermike

I reeeaaaallly like the tremor, but ford missed the boat on the pricing. The ram express is also rcsb, has 30 more hp, and the Msrp is $26k. That's $15k cheaper for a very similar truck. That's 37% less money for 8% more hp.

Back in '08 I bought an rcsb 5.7 380 hp tundra for under $25k and it ran 13.9 in the quarter. Rcsb trucks shouldn't be $40k, especially with what is now a run-of-the-mill power train.

Abraham5G

So you would recommend to go ahead and get it?

Abraham5G

That's true, I considered that truck before the Tremor came out, but it's too common around here. I still think the Ram Express is the best value for your money, but the Tremor is so much more cooler.
Another thing that worries is me is that it will automatically look old in one month when the redesigned 2015 is revealed, and we really don't know if there will be a 2015 Tremor equivalent.

Sweatmachine

Only you can decide that. Also keep in mind that if you finance for 6 years you'll likely wind up way upside down on the note.

It took me a decade and lots of coin to figure out that some things are worth owning and some should be admired from afar. Now I have a more affordable truck, own a nice new house, have a sweet motorcycle, guns, tools, and all kinds of other toys. Don't think that you can only have your toys now or in retirement. My 30s have been the most fun and best years of my life.

Having no kids helps

Hell, if you can swing it and really want it then go for it.