Ford F150 - does anybody see the rebates or apr getting better in future

looking at buying a f150 the rebates are 3000 and apr for five years is 3.9 comes out to about 853 a month .dont know if i should take a chance and hold out for better .anybody please chime in .thanks zero apr would be nice would save about 85 a month

The rebates will go up and apr will go down. However, so will the value of your trade if you are trading. Also, options on available trucks will lower also. Check and see if there are any 09's still available. 60 month apr is 0% and rebate is higher also.

can you get both on the 09s plus i have the x plan

X-plan is useable with either the full rebate, low apr, or partial rebate/apr special(not as low as lowest with no rebate). If you plan to make equal payment throughout your loan and not make a large downpayment, usually, the 0% is the best. However, if you use 0%, make sure you plan to keep the vehicle at least 4 years or so. Otherwise, giving up rebate for low apr isn't the way to go.

You can't get both, ( low APR and Rebates at the same time )
Always take the rebate, then go with the dealers financing, then go to your local bank and have it refinanced at a lower APR.
No,, Ford Credit won't ask for the rebate back when you refinance.
If I was you I would buy that new truck right now.
The economy is coming back and the dollar is falling, next we are going to experience "hyperinflation" with increased interest rates and that same exact truck will cost much more next year.
I did a comparision price on my 09 F150 with the 2010 F150, exact same model with the exact same options and the price increased $2050.
(yes, I know there were some improvements on the 2010, but thats a big increase in price for one year)

[quote="Cycle Rider"]You can't get both, ( low APR and Rebates at the same time )
Always take the rebate, then go with the dealers financing, then go to your local bank and have it refinanced at a lower APR.
No,, Ford Credit won't ask for the rebate back when you refinance.
quote]

I wish that were true.

Ford credit will take back part of the rebate if you don't finance with them. Happens more than not. Each year and model has it's own rebate options.

As for my zip code, 29803, here are you options

Options
1. $5500 rebate financing with Ford with their standard rate (crazy high). If you want to do non Ford credit financing, the rebate is $4500. Lose $1K for not using Ford credit.

2. Financing with Ford @ 60 months tier0-2(fords way of grading finance deals), another option is $2500 rebate @2.9%.

3. Last options is $1000 rebate and 0%. If you finance the whole amount of the truck, this will make your payment the cheapest.


If you plan to keep the truck 1-2 years, take full rebate and get local or noon ford credit, maybe even Ford credit in order to get the full $5500 if you the tier is 0-1 and beacon is over 720.

If you plan to keep the truck and pay it off, take $1k and 0%. Payment will be cheaper.

If you go with a 2010, all what I wrote above changes. The full rebate is the same wheather go through Ford Credit or not. Also, there is no long term 0%.

So most of all, I'd figure out whether you have to have 2010 or a 2009. Better hurry if you want a 2009. Pickings are getting slim.

go for an 09. if you have a good credit score and a motivated sales person the chances are better. dealers can swap inventory. they may not have what you want, but can search for you. in my case, it took 2 weeks and talking to 4 dealerships. my truck was 600 miles from my dealer. got $4000 for financing thru ford and can pay it off w/o penalty after 4 payments

What kind of F-150 are you wanting to buy?

You really don't have to wait 4 months. It is good for the dealer if you wait 4 months, which is the nice thing to do. There is compensation held by the dealer after 3 months of payments.

Yes, you can refinance through a local bank. However, considering most people in the united states owe a little more than their vehicle is worth, you got to be careful what the value is to the refinancing company. If you financed $5,000 over sticker after rebate, you might have a problem. Take the 0% if your in an upside down situation.

Also, you need to consider Ford ESP warranty. Don't get tricked into buying one from the bank. The Ford ESP warranty is the best. Who wants to go to a Ford dealership for a warranty problem and deal with them and an aftermarket warranty. I've seen lots of warranties. Buy Ford ESP. If you have navigation, go with Premium Care. Also, look into maintainence. If you can get a good deal from your dealer on your cost, you will save money. Also, if your getting 0% financing, you are paying no interest on the extended coverages. They are transferable if you ever sell, and can be cancelled wiht a prorated refund later down the road if desired.

Good luck with your purchase. If you can find the 09 you like, go with it. There are some things the 10 has, that the 09 doesn't.

f150 2010 plantnium edition

It won't be 0% for 60 months for a while. I'd imagine, not until next spring/summer.

bbford? I had to take the Ford financing to recieve the $4500 rebate, 2 weeks later i refinanced it thru a local bank, its been 7 months now and Ford never asked me for their $4500 rebate back

It's all up front. After you get the rebate, technically, you can refinance the day after the loan is funded to the dealership. Once, you sign your contract, you are locked into the rebates. Usually the most ever lost by not financing through FMCC is $1000 or $500. I've seen $1500 before, but not usually.

I looked into my crystal ball and this is what I see;
The economy is tanking with no hope in the near future. Rebates and financing opportunities will improve. Dealers will be more motivated to work with buyers. That being said, inflation and the diminishing dollar are lurking just around the corner. Buy now or buy later, it isn't going to make a great bit of difference. By the way, the crystal ball is marked "Made in China" for whatever that is worth.