Ford has pretty much already said all FEs will be delivered MY21. Some would be later if they choose mod black painted tops or all black leather but that seemed like the only real late availability options that will delay them.
I suspect Ford wants their First Editions on the road asap
I think many later reservation holders end up getting one simply based on configurations. Plenty or early reservations are probably going to pick options that are in short supply or late availability, which will allow other builds to happen sooner than their actual timestamp would suggest.
I don't know what they've got going now, but I've seen it on F150, Explorers, Expeditions, and Mustangs, so not exactly struggling models.
With great credit I'd expect to see rates between 1.75 and 2.5 honestly.
Locally a dealer near me(Fair Oaks Ford) is advertising 0% currently on F150...
Because MY22 Broncos will be delivered in order to the people who were supposed to get MY21s.
After those are delivered it will likely be a free for all with many becoming dealer stock. Obviously depending on material availability etc
The one call I received from then after reserving day one did not inspire confidence. Guy was talking absolute nonsense. Made it easier to cancel my day one reservation and just make one with Granger instead. At most an overnight trip to pick it up.