Which is the better deal?

Turdchucker22 · May 9, 2018

For those of you who buy new cars regularly, I’m asking for your help. Looking at this truck at Koons ford in VA. Both of these deals are on the same truck. I will be using ford credit then refinancing to get the rebate. The one offer is of their “WOW” pricing, and the other is off of the x plan that I qualify for. Am I wrong in thinking the deal with the overall lower OTD price is the best deal?

BIG JUICE · May 9, 2018

interest rate the same on both deals? you have to make 2 payments and they prefer 3, and the first payments are always straight interest damn near

Turdchucker22 · May 9, 2018

When you’re talking about 2-3 payments, you’re referencing before you can refinance?

Inline6359 · May 9, 2018

Is that the best deal you have found? Seems high to me?

BIG JUICE · May 14, 2018

Yes, typically you can't refinance the first month to keep one of the rebates. Specifically, I think it was the ford credit finance rebate. Then the dealer asks real nice to wait 3 months so they get their cut

Jgon08 · May 14, 2018

X-plan is a joke. You need to find a dealer that offers A-plan pricing. That is roughly 9-10k off msrp plus rebates and your trade of course. Try haag Ford out of cincinatti. I made the 3 hour drive there to get mine and they saved me around 3-4K more that anyone else in the remote area.

Jsexton · May 14, 2018

Also have you though about finding your own financing through you local bank you do business with....

03_PSD · May 15, 2018

my stupid question is, why's there a difference on your trade value for each quote?

Strokersace · May 15, 2018

03_PSD said:
my stupid question is, why's there a difference on your trade value for each quote?

Good catch. I didn't see that the 1st time. That would be a huge flag imo.

SVTDiesel · May 15, 2018

On the non x plan they are also lowering the price of the truck about $10,339 and 4k less on trade.

sootie · May 15, 2018

neither deal is good. You are getting screwed.

bigrpowr · May 15, 2018

Jgon08 said:
X-plan is a joke. You need to find a dealer that offers A-plan pricing. That is roughly 9-10k off msrp plus rebates and your trade of course. Try haag Ford out of cincinatti. I made the 3 hour drive there to get mine and they saved me around 3-4K more that anyone else in the remote area.

A plan is tough, typically A-Plan gets you about $1000 cheaper than the cheapest deal you can find, other than those random steals some dealerships toss out there occasionally. All that goes out the window on trucks that have sat for a long time, heck i got $16000 off my green 6.4 , because well, it had sat for months and well, it was green. LOL

Goindownhole · May 25, 2018

Definitely get your trade at the same value as the X plan offer. They're straight bending you over because of that.
Even coming up 2k will make the OTD price lower than x plan.

Sleepersilverado · May 25, 2018

You do not have to wait any length of time to refinance, they just tell you that. If you do the math on waiting 3 months you are basically paying them back what you received in rebate.

ckrueg · May 25, 2018

I went with Ford credit and refinanced before the first payment with no issues. Saved almost 100 a month lol

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JHTX · May 26, 2018

I always go get a guaranteed buyout on my vehicle from somebody like CarMax. I use that to ensure the dealership does not mess with my trade value as they are usually higher than the dealership. Magically when I take that out my trade value goes to that minus taxes from trade.

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