Buying a truck... - - Home of Canadian Ford Truck Enthusiasts
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post #1 of 11 (permalink) Old 11-24-2009, 10:26 PM Thread Starter
Join Date: Oct 2009
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Buying a truck...

After looking at my financing options for a truck that is a few years old, I'm starting to consider buying a brand new one. There are so many incentives. What kind of financing rates has everyone gotten? I'm thinking a new FX4, 4 door with leather. Is the 0% available over 5 years?
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post #2 of 11 (permalink) Old 11-25-2009, 08:58 PM
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i went threw ford credit and got 6.9 over 5 yrs on my 2010 f150 xtr 2wd it's not a lease tho.

2010 F150 Supercrew 4X4
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post #3 of 11 (permalink) Old 11-26-2009, 11:49 AM
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Originally Posted by RADBMXER View Post
Is the 0% available over 5 years?
It depends on the region and province. Here in Southern Ontario, some dealers are offering 0% but most are not. I'm not sure what the catch is, but they're advertising this in the local papers.
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post #4 of 11 (permalink) Old 11-26-2009, 12:39 PM
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Location: Ottawa, ON
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I just purchased a very similar truck to what you are considering. I got all the incentives, $7000 off the top and invoice pricing; however I financed through the dealership at 6.9%.
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post #5 of 11 (permalink) Old 11-26-2009, 01:31 PM
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$7k is basically what Ford is giving the dealers right now. You can see this if you build a truck on and get to the financing screen.

How much more off the top can be saved? I figure another $2k-$3k should be possible on a $40+k MSRP. Probably even more than that if you're paying 6.9%. That's where they're making money now (as a reference prime is 2.25% right now)

I might just venture over to the dealer tomorrow and see what I can come up with... the MSRP on the truck I'm looking at (2010 'screw 4x4 XLT XTR package, similar to what I have now) is approximately $45000 - $7000 = $38000. I want to see what more I can get off that.
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post #6 of 11 (permalink) Old 02-05-2010, 11:41 AM
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EmmEff let us know how you make out, i just contacted a local dealer on the same model, will update when avail.
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post #7 of 11 (permalink) Old 02-05-2010, 11:51 AM
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If you're serious, my advice to you is to use APA or CarCostCanada, get the dealer invoice, and get hooked up with the dealer recommended by either organization.

I used the APA when I bought my '02 F150 and paid $500 over invoice + small admin fee. Totally happy with the transaction. APA told me the dealership and specifically, the salesperson's name. I called him and picked the truck I wanted. The deal was done literally in less than an hour. I paid the admin fee to the dealer, and the $500 profit.
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post #8 of 11 (permalink) Old 02-05-2010, 12:06 PM
Join Date: Jan 2010
Location: Barrie, ON
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Check out my 2010 pricing thread. Ford will give you 7000 off if you pay cash. So with retire your ride, costco membership, etc, you should be able to get close to 34 000 off the lot. I got a line of credit sucured against my house @ 2.75% interest.
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post #9 of 11 (permalink) Old 02-06-2010, 08:13 PM
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Location: Halifax, NS
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Yep, sounds about right. We just picked up a 2010 Screw XLT XTR package with lots of options (MSRP was $45,709), and we got the truck on the road (in NS) with protection pkg (undercoating and paint protection) and extended warranty (full coverage for 84/140k) for just over $38k total. We saved about $13k off of retail price with very little haggling. My wife is very happy (its her truck, lol)

2010 XLT Screw 6.5 box XTR pkg, 5.4, bike hauler
2010 Mazda 3 Sport, Black mica, commuter duties
2008 Kawasaki ZX-6R - race ready (track duties)
2002 Honda Foreman 4X4, 26`ITPs, mud toy
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post #10 of 11 (permalink) Old 02-14-2010, 07:47 PM
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Location: halton region
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was going to buy used through a guy at the dealer auction,,, but the diff between a 30000km 3yr old truck and brand new was $4000.

Got cash rebates, and $1k for costco membership, and $1k for owning a gm vehicle, and the sync and our 2010 f150 fx2 crew with leather and slider window, was $30599 out the door tax and everything included
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