Anyone Recently Finance Bronco Through Ford?

[FishKzor]

Hi All,
My Bronco is finally scheduled to be built on June 17th, and I've begun to do my due diligence to make sure I go find lowest interest rate financing I can.

I just got back from my bank, and was pretty shocked at how high their interest rates were ( know that they're up everywhere right now). But with good income, and great credit, and as a 20+ year member of my bank, I thought I might qualify for some *special* interest rates.
I guess those days are long over.

My question is to anyone in the same financial standing that may have recently financed their Bronco through Ford. What interest rate did you lock in at the dealership? (my bank was offering over 5%. I thought Ford was offering 2.9% initially, and was curious if that still stands)

[Please don't turn this post political, or tell me I'm dumb to finance through Ford. Just looking for honest answers]

Thanks!

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[F OR D]

i did. 3.2, rates were good and they used a local credit union.

 

[taperunner]

I don’t think you’ll get a good rate through ford motor credit. Probably north of 5. But your dealer might have a relationship with local banks or credit unions and can shop around for you.

 

[brentutk]

Haven't tried Ford yet, but I locked in 2.79% with USAA last week. Bronco pickup in the next 2 weeks hopefully.

 

[Lifeliberty]

Dealer offered Ford, local credit union, and another. Credit union came in best at 4% so went with them. My own bank Huntington was higher.
Then because i also have direct deposit with the credit union, they lowered it to 3.75. (May 2022)

Ford's rate is not competitive right now.
Fyi, i have a great score too

lowest I've seen is credit unions and VA

 

[FishKzor]

Haven't tried Ford yet, but I locked in 2.79% with USAA last week. Bronco pickup in the next 2 weeks hopefully.

Wow, thats great. Unfortunately I'm not active or retired military, so I can't get membership.

 

[brentutk]

Wow, thats great. Unfortunately I'm not active or retired military, so I can't get membership.

Me either. I was able to get an account years ago since my wife's grandfather was a veteran and USAA member.

 

[66GT]

Wow, thats great. Unfortunately I'm not active or retired military, so I can't get membership.

2.99% from a small credit union the dealer works with a lot. Get a decent pre-qual on your own before you go in... but let your dealer work their network, they may surprise you.

 

[F OR D]

2.99% from a small credit union the dealer works with a lot. Get a decent pre-qual on your own before you go in... but let your dealer work their network, they may surprise you.

exactly what i did. ford was close enough.

 

[SubmarineNuke]

So my finance guy said Ford was at like 4.9 or something ridiculous, and the best he shop around was 2.89. I’ve been with Navy Federal Credit Union since 1993 and I got 2.04 for 72

 

[Jeffal]

Got below 3% from a small, local credit union. It's actually an educators credit union but as I'm a member of my kid's school's PTA, I was eligible for membership.

 

[MNbronco]

still 1.79 for 60month at local CU

 

[DaveInSA]

Hi All,
My Bronco is finally scheduled to be built on June 17th, and I've begun to do my due diligence to make sure I go find lowest interest rate financing I can.

I just got back from my bank, and was pretty shocked at how high their interest rates were ( know that they're up everywhere right now). But with good income, and great credit, and as a 20+ year member of my bank, I thought I might qualify for some *special* interest rates.
I guess those days are long over.

My question is to anyone in the same financial standing that may have recently financed their Bronco through Ford. What interest rate did you lock in at the dealership? (my bank was offering over 5%. I thought Ford was offering 2.9% initially, and was curious if that still stands)

[Please don't turn this post political, or tell me I'm dumb to finance through Ford. Just looking for honest answers]

Thanks!

I bought my sport in April. I have excellent credit and got 2.3% via a credit union.
One month later on the Bronco the best I could do was 5%.. rates jumped.

 

[BoltUp]

Find a local credit union.

 

[Fly2Win]

2.89% from the F&I guy at the dealer using a local credit union. I had put in a Ford credit application but this beat it. Got dinged 3 extra points on my credit score for the second inquiry but it was worth it. It’ll be gone in a couple months.

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