Not sure but all I can say is here in Maryland, if you went with 0% thru ford, you loose all the rebates... Use all the rebates and you get 5.27% with a credit score of 790 and above. I financed thru ford and 3 days later re financed thru my credit union for 0.9% for only 4 years though.
Take the rebates instead, you will save big time. They gave every rebate they had even if I didn't qualify for it such as college student of military. After the rebates I talked them down another $ 2k with a spray in bed liner. You could do the same I am sure with an xlt. Like I said I saved $14,200 off sticker
All that money you saved you can afford some lug nuts. LOL
All that money you saved you can afford some lug nuts. LOL